Insurance Claim Services For Agriculture Complexes
When you’ve worked hard to grow your operations, suffering insured property damage shouldn’t threaten your future. Your commercial property insurance claim is supposed to make you whole — and our public insurance adjusters make sure no one stands in the way of your maximum financial recovery.
If you’ve suffered commercial property damage from fire, water, wind or another disastrous event, you do NOT have to deal with commercial insurance claim delays, denials, or low-ball offers.
Call in the public adjusters at Globe Midwest Adjusters International. We have a 94-year track record of successfully helping policyholders collect every dollar they’re entitled to under the terms of their commercial property insurance.
Trusting your insurance company to pay you everything you’re entitled to for your commercial property insurance claim is like trusting the IRS to do your taxes. It’s not a risk you have to take.
Much like you’d consult a CPA for complex tax matters, or an attorney for complex legal matters, our public insurance adjusters are licensed professionals who work exclusively for you when you need the highest payout for your insurance claim settlement.
If you’re being treated unfairly settling your commercial property insurance claim, Globe Midwest Adjusters International tips the scale back in your favor.
How We Can Help
The More You Know, The Better The Results.
- Settlement We will negotiate the best possible settlement.
- Peace of Mind We can help you get back to your lives, family, and business sooner.
- Administration We cover every part in preparing and settling your claim.
- Team A team of experts on your side.
Factors To Consider
What are the pros and cons of replacing versus repairing packing lines?
Hazardous materials such as asbestos and lead can be expensive to address. Make sure your insurance carrier does not cut corners when addressing this issue.
Insurance companies frequently use independent building and equipment consultants to prepare a bid.
- Who are these consultants?
- Who are they working for?
- Do they only work for insurance companies? Why should this be a red flag?
What happens when the insurance company engages a forensic accountant?
- What is his/her role?
- Why can’t your accountant just prepare your claim?
- What is the harm in sharing your financial statements?
- Are you required to produce your tax returns?
- Can you recast your financial statements? If so, why?
What is your broker or agent’s role?
- Will he/she be adjusting the claim?
- How many claims has he/she handled?
- Will his/her role be active of passive?
- When faced with supporting your position or the insurance company’s, where will he/she stand?
Growing crops cannot be processed? How do they fit into your property claim and your business interruption claim?
Is there coinsurance in your policy?
- If there is, what does it mean?
- If there is, did your insurance company’s adjuster tell you? If not, why not?
- How is coinsurance calculated on replacement cost? On actual cash value?
- Properly managing coinsurance can prevent disaster. Not properly managing coinsurance can put you out of business!
Code Upgrade coverage is very important when rebuilding after a fire.
- How does your coverage address code issues?
- If your coverage is limited, is there anything you can do about it?
Can you continue to pay your employees?
- “Ordinary” employees versus “key” employees. How do they get classified? What is covered?
Temporary packing lines in other owned or non-owned locations? What happens at the end of your claim?
How can you use industry statistics/surveys to support projected crop yields?
Federal grants and subsidies. Are they considered income?
What are extra expenses? What can be included?
Increased efficiency and productivity with new equipment. Does the insurance company get a “credit?”
How does the smoke and the water used to fight the fire affect your equipment? Your computers and other electronics?
Valuation of raw materials. Work in progress. Finished goods. Methodologies employed.
What are expediting expenses? How do they differ from extra expenses?
Does your risk manager have the requisite skill sets to negotiate a large property claim?
Agriculture Client References
- Lambrights Egg Company - LaGrange, IN
- Mid-County Co-Op - Shawano, WI
- Van Slooten Tree Farms, Inc. - Muskegon, MI