COMMERCIAL CLAIMS

We specialize in all aspects of Business and Residential Property Losses.
On Business Claims, that includes:

• Building
• Inventory and Business Property
• Machinery & Equipment
• Business Loss of Income and Extra Expense
• Business Interruption

Then there are terms such as:

ACV (actual cash value)	RCV (replacement cost value)
BI (business income)	EE (extra expense)
POL (proof of loss)	Code Upgrade
Coinsurance	Period of Restoration
Appraisal	Mediation
EUO (examination under oath)

The vast majority of Business Owners have never read their insurance policy. Most of those that have, do not understand it. Policies have endorsements and between the policy, endorsements, etc., coverage can be excluded in one area but given back in another. We have had numerous clients whose claims had been denied until we were retained. It can be very confusing. Remember, the insurance company adjusters are interpreting the policy according to their company guidelines which serves their best interest, not yours.

Not all insurance companies or adjusters act improperly. Some do so because of their company guidelines and some due to a lack of training and proper supervision. But no matter which insurance company or adjuster you have when you reach settlement, if you do not have a public adjuster representing you, your money is being left on the table.

Our Business Claim Settlements have ranged from tens of thousands of dollars to tens of millions of dollars. Our clients have received up to ten times the insurance company’s original offer or more after we were retained.

Please call us without any obligation. At the very least, you will receive some very necessary free information!