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Public Adjusters For Commercial Fire Damage

Within moments, a fire can engulf your property and interrupt your business indefinitely. As you concentrate on the safety of all occupants and how to stay in business, you will also need the time to prepare a thorough insurance claim covering your loss.

According to the National Fire Protection Association, business owners and organizations suffer $2.3 billion in commercial and industrial property losses each year.

The fire insurance claim process can be especially complex because of the different types of damages fire can cause. For example, fire can create serious damage from smoke, burning residue, and corrosive substances released in the flames. There can also be substantial water damage from the effort to extinguish the blaze. In the aftermath, your commercial property and assets may be exposed to the elements, becoming even more damaged if not addressed immediately. As the policyholder, it’s your responsibility to minimize the overall fire damage while you focus on keeping your business running. Do you also have the time to accurately document, prepare, and prove your fire damage claim to your insurance company?

Your insurance company will present an offer that they think is sufficient based on their own damage assessment. Our public adjusters work only for your interests to evaluate, document, and prove the full scope of loss and negotiate your claim for the maximum amount. As experts in the fire claim process, our public adjusters have helped countless business owners with fire insurance claims in Austin, TX, San Antonio, TX, Caldwell, TX and throughout central Texas. Contact us today to help your business recover more, sooner.

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What To Focus On After Fire 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/broker’s role?
  • The insurance company hired a construction estimator. What do I need to know?
  • Why is a claim strategy so important?
  • Am I impacted by coinsurance?
  • Can smoke damage be removed/neutralized?
  • How can you identify/document items that are totally destroyed?
  • Your insurance company pays less if you clean/restore as much of your equipment and improvements as possible. Is that a good idea?
  • How do the smoke and the water used to fight the fire affect your machinery? Your computers, equipment, and other electronics?
  • If water used in suppressing the fire causes mold and fungus, is the ensuing damage covered?
  • Asbestos, lead, and other hazardous materials can have a major impact on your claim. Are you aware of how to properly address these in order to prepare your claim and to avoid future liability issues? Hazardous materials such as asbestos and lead can be expensive to address. You want to make sure to not cut corners when addressing this issue. You want to make sure to not cut corners when addressing this issue.
  • Code Upgrade coverage is very important when rebuilding after a fire. How does your insurance policy address code coverage? Also, what about any Green building upgrades? Checking the correct building codes before you prepare your claim is critical.
  • What happens when the insurance company engages a forensic accountant? What is his/her role? Why can’t your accountant just prepare your claim? You will have to produce your financial statements and possibly your tax return. You may need to recast your financial statements? If so, why? What are extra expenses? What can be included?
  • What are expediting expenses? How do they differ from extra expenses?
  • How much of my time will this take?
  • What is pressurized smoke?

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 Public Adjusters Help 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

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    It was comforting to know that we were well represented by [your firm] and could rely on you and your staff to represent us in a professional manner throughout the claims process... Your experienced estimators know that certain aspects of a fire clean up must be handled expeditiously. You negotiated reasonable settlements with our insurance carrier in a timely fashion with a minimal amount of friction.
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    Chris Jordan
  • 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.

Related Resources

Contact Us

If you're suffering from a commercial property claim, we can help!
Call us at 800.578.1851 or fill out the form below:
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Meet Your Public Adjuster
Jim Beneke Headshot
Jim Beneke, SPPA
President
Jim is a third-generation public adjuster, he has a reputation for honesty and integrity in negotiating a fair and proper insurance settlement for his clients.
Contact him today!