When your business premises is damaged by an insured cause of loss, there a number of reasons why you might decide to handle your own commercial property claim.
When a fire damages your commercial building, it sets into motion a complicated recovery cycle that can takes months to complete. Assessing the damage is just the beginning, but if you don’t get that part right, the entire recovery process can become more complicated than it has to be.
Settling a commercial property insurance claim is a complex transaction. Though your first impulse after a catastrophe may be to do whatever it takes to alleviate the loss and get back to business as usual, that rarely results in getting you the best settlement. This is definitely a situation where haste makes waste, as accepting an insurance adjuster’s opinions, or your insurer’s first offer of settlement, will likely lead to a settlement that is far below the figure you deserve.
When you experience business fire damage, it may become a front page headline, a six o’clock news story or an internet blurb. Such public awareness may bring a parade of contractors, fire restoration services, and other companies to your place of business. These professionals know you’ll need them sooner or later, so they may fill your mail slot or entryway with offers for inspections, courtesy estimates, and discounts.
Commercial property claims are complicated, so insurance companies send out their most experienced adjusters to handle them. Seasoned adjusters know damage and coverage issues, and while their experience and knowledge should be a comfort to you as you rebuild your business, they can actually make the process more difficult.
Commercial property loss claims are extremely complicated. If your business has suffered a catastrophic loss, your focus is typically on maintaining operations and making critical recovery decisions. It’s not the time to be learning the ins and outs of your insurance policy or the loss claims process.
When you submit a commercial insurance claim, taking charge from the start will help you secure your business's interests. Certified public adjusters will tell you how to take the lead in negotiations - and how to hold that lead until you have what you want.
Even the most conscientious business owners suffer losses and damages that, if not covered by commercial insurance policy, can spell disaster for their organization. That’s why the majority of business owners carry insurance – it gives them the financial protection and peace of mind they need for when the unexpected happens. One of the best ways to ensure your business is adequately insured is through a Business Owner’s Policy (BOP).
When is The Right Time for the Appraisal Clause?
There’s more to fire damage than meets the eye. Fire can also cause hidden damages that can be hard to detect. The two main culprits: smoke/soot damage, and water damage. Knowing about these additional impacts on your property, and how to take care of them, helps ensure you’re reimbursed appropriately for your claim.
Building codes are in a constant state of evolution. Advancements in engineering, technology, safety, building materials and methods, and changes in the physical environment all drive changes in building codes. If your fire-damaged home is 10 or more years old, complying with the current building codes may add substantial cost to your reconstruction. Will you be stuck with the bill?
This expert’s guide will take you through the steps to manage your insurance claim from start to finish and help you maximize the settlement.
If I could provide one crucial piece of advice to anyone dealing with a major loss due to fire, water damage, etc. – it would be to contact Miller Public Adjusters!
“Excellent experience. I had a major fire which destroyed my business. My Insurance company was hostile and adversarial at best. I hired Miller Public Adjusters. They did everything. I never had to have another conversation with a elusive and hostile insurance company. If I hadn’t hired Miller Public Adjusters to represent me, I would’ve lost everything.”
“Dave is super knowledgable on the process as he’s not only been in the industry for years but he has also had personal experience with his own fire-damaged home. No matter how trivial you may think your question is Dave and his staff will take the time to make sure your questions get answered and you understand the ramifications. His expertise on the matter quickly turned what seemed to be a hopeless uphill battle into a more manageable playing field.
“Top-notch service would recommend Miller Public Adjusters service to anyone. Dave thank you much. The process was great.”
“David and his staff are outstanding and worth their weight in gold. If you need help with any insurance claim, hire them; you’ll be glad you did! If I could rate them 100 stars, I would!”
"Champions. Warriors. Heroes. Lifesavers! That’s exactly what David Miller and his fantastic team at Miller Public Adjusters are! There really are no words to describe what his team has done for me and my family. We are extremely grateful, and they are WORTH EVERY SINGLE PENNY you pay them for their services and then some!"
“Thankfully, the restoration company referred us here. From that point on, David at Miller Public Adjusters reassured us that he would do everything in his power and knowledge to prove that our homeowners insurance should cover the damages. In the end, we won the case and the claim was paid. I can’t thank David at Miller Public Adjusters enough!”
We never would have been able to navigate the confusing world of a total loss claim without their help, guidance and expertise,” Todd stressed. “I would recommend Miller Public Adjusters to anyone who is faced with a traumatic claim that involves dealing with ‘Big Insurance.’ They will absolutely help to alleviate much of the pain.
They were successful at getting the maximum settlement from the insurance company. My family and I are always praising Miller Public Adjusters to people who ask us about the fire. We can’t thank them enough.
“Miller Public Adjusters knows what they are doing and stood firm against the insurance company. Miller Public Adjusters got us everything we were entitled to, and even more than we thought, in a matter of months. We did not have to deal with our insurance company and also did not have to purchase anything and turn in receipts for reimbursement. What a time-saving relief. Miller Public Adjusters are knowledgeable, understanding professionals, and we highly recommend them to all our friends and family.”
At just a month into Fall, some Wisconsinites already shoveled snow, many are past the first frost,
At just a month into Fall, some Wisconsinites already shoveled snow, many are past the first frost,
At just a month into Fall, some Wisconsinites already shoveled snow, many are past the first frost,
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