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Public Adjusters for Collapse Damage

What if a sudden storm overwhelmed your building’s rooftop and caused it to collapse? Or hidden components within your building’s walls warped and weakened it over time to the brink of destruction? If your commercial property suffers a structural collapse, it does not also have to bring down your business operations.

Keep in mind that with collapse claims, the collapse damage can be interpreted in different ways, and less in your favor. As partners in your recovery, our public adjusters make sure you recover all that you deserve.

Some buildings are vulnerable to collapse for a variety of reasons. In most cases, collapse is already covered in your commercial property insurance policy because it can happen to you regardless of where your business is located. For instance, during a Midwest winter storm, heavy snow on your building may cause a roof collapse. In warmer months, air conditioning units on the top of your building may weigh down and weaken the roof to the point of collapse.

Is the damage partial or total? How can you determine your commercial insurance coverage for collapse claims? This may be your first and only time filing a claim. Meanwhile, your insurance company has a whole team of experts whose full-time job is to assess property damage claims to protect their interests. Is it an even match? Who’s looking out for you? For decades, our public adjusters have helped handle collapse claims for property owners and business owners throughout Michigan, Indiana, Illinois, Minnesota, and the greater Midwest. Our professionals have the experience and resources to evaluate and document your damage in detail and negotiate your claim for the maximum amount. When your business is at stake, you deserve to rebuild and continue operations as quickly as possible.

 

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What To Focus On After Collapse Damage

Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
  • What is my agent or broker’s role?
  • How do I keep my employees?
  • How do I keep my customers?
  • Why is a claim strategy so important?
  • Am I impacted by coinsurance?
  • What do I need to know about the insurance company’s adjuster and experts?
  • Am I entitled to an advance from the insurance company? What is reasonable?
  • What does it mean when the insurance company recommends a preferred vendor? Who will this vendor actually be working for?
  • Contractors may tell you they can do what public adjusters can do. Can they really? What is their background and education in insurance? Are they licensed and bonded? In many states, like California, it’s against the law to practice without a license!
  • The policy says it is your responsibility to submit a reconstruction estimate. Why would the insurer want to do it for you?
  • What is the difference between functional replacement and true replacement cost coverage and why should you care?
  • How is actual cash value determined?
  • Can you do the repairs yourself? Are you entitled to the overhead and/or profit that a contractor would typically charge?
  • What are the benefits and the pitfalls of not replacing your building?
  • Do you have to replace on the same site? Can you buy or build elsewhere?
  • Can you collect building code enhancement coverage if you build elsewhere?
  • How quickly can you start rebuilding following a loss?
  • How much of my time will this take?

Property Damage Losses Commercial Claims Recovery Process

Property Damage
Time Element
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
Negotiations & Settlement
Restoration Of Property & Operations

How Our Team Helps You

  • Evaluate Icon Evaluate Fully reviewing your insurance coverage.
  • Strategy Icon Strategy Developing a claim management strategy.
  • Compliance Icon Compliance Determining policy compliance issues.
  • Valuations Icon Valuations Completing detailed valuations of building, equipment and inventory losses.
  • Interruption Icon Interruption Formulating business interruption models.
  • Itemization Icon Itemization Presenting and supporting an itemized claim package to your insurer.
  • Negotiation Icon Negotiation Negotiating on your behalf with your insurance company.
  • Communication Icon Communication Keeping you informed every step of the way.
  • Settlement Icon Settlement Ultimately settling the claim for the maximum amount and with less hassle for you.

Industries Our Public Adjusters Have Helped

  • Client References & Testimonials

    Client References

    Testimonials

    Months after the storm passed, the County was still faced with tremendous burdens related to the insurance coverage issues and FEMA and MEMA eligibility issues. Jackson County hired Adjusters International to provide professional services for disaster assistance, remediation, restoration and recovery efforts....Their expertise with governmental regulations, the complex FEMA process and insurance adjustments resulted in our successful claim for over $2 million in additional FEMA Public Assistance funding specifically; in our successful negotiations with our insurance carrier; and in numerous other increases in the values FEMA and MEMA initially designated for County projects. Jackson County will always be mindful of the help we received from Adjusters International when we needed it most.
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    Alan K. Sudduth
    County Administrator - Board of Supervisors, Jackson County, Mississippi
    When I experienced a fire in my home, I immediately contacted your insurance company. You both worked and fought very hard to insure that I had received all the monies due to me under my insurance policy and also made sure that my house got put back together, right... I would highly recommend your services... Your service, professionalism and dedication to my claim were more than I could ask for.
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    Alice Fish
    Homeowner, Grand Rapids, MI
  • Case Studies

    For decades, L’Auberge Chez François has been one of the leading restaurants in the metro Washington, D.C., area. Known for its exceptional French cuisine and impressive service, the restaurant is a longtime favorite of Washingtonians celebrating anniversaries, birthdays or other special occasions.

    A magnitude 6.8 earthquake, called Nisqually in seismic circles, rocked Seattle, Washington, in 2001 and severely damaged the Starbucks corporate headquarters building.

    Super Typhoon Paka, as the storm came to be called, was a 12-hour session of destruction for the island of Guam. Stirring up winds in excess of 200 miles per hour, the tropical cyclone tossed buildings, planes and ships across the island like discarded toys. Among these was the headquarters of Continental Micronesia, a subsidiary of Continental Airlines. The main offices, the marketing buildings and the planes were damaged by the powerful typhoon.

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If you're suffering from a commercial property claim, we can help!
Call us at 800.445.1554 or fill out the form below:
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