Fire & Smoke
Smoke and Fire Damage claims can be the most devastating among all perils. Even after a fire has been put out, smoke and soot particles are still present and can cause long lasting damage if not mitigation properly. Fire Damage claims, if not handled properly can, turn into a problem
Water & Mold
Water damage occurs as a result of storms, floods, burst pipes, sink or tub overflow, sewage or toilet backups and water intrusion from breaches in a roof or window. Coverage for water damage and mold damage can be the most complex peril covered by insurance policies.
Hail, Wind & Storm
Damage from wind and hail can cause a fair amount of destruction and they occur frequently enough in all parts the country to worry anyone with property. A tornado can cause total devastation to anything in its path. This typically includes heavy wind damage as well as hail damage.
Hurricanes often damage residences and businesses along the Eastern and Southern coastal regions. Hurricane Insurance Claims are complex and typically deal with multiple policies which each have their own terms and language on how they settle the loss. Let us help you navigate.
Theft & Vandalism
Theft and vandalism is a type of peril that is very unique not only because our security is threatened, but because of factors that need to be dealt with carefully. Even though it is unexpected, many factors need to be investigated and documented for a successful theft or vandalism claim.
Collapse & Sinkhole
Building collapse caused by hidden decay or weight of snow and ice, sometimes have very limited and restrictive coverage. Sinkholes in the southern states have become more active and most policies have very limited coverage, if any at all for sinkhole damage.
After any type of loss to you commercial property or business, without the right understanding, expertise, and preparation, the slightest oversight and lack of experience in the claim process could result into substantially lower claim settlement and loss of valuable time.
In our experience, most business and property owners have never looked at their insurance policy. Understanding that policy and the coverages is critical to protecting your assets and business. As Licensed Public Adjusters, we understand every aspect of your business insurance policy to protect your interests and maximum your claim settlement in the event of a loss. The following coverages are all important in any size or type of property insurance claim: