Commercial Insurance Claims for Hurricane Damage

Hurricane damage to your business may seem irrecoverable. Our experts will be there on-site for you to evaluate the full scope of commercial property damage and business interruption to prepare and negotiate a claim that will get you the maximum settlement to fully recover.
In the wake of such devastation, our adjusters are there for you as your advocates and guides, responsible for managing your claim as you focus on the next critical steps of your business.

There are key factors to consider when preparing a claim for hurricane damage, given that you may be dealing with both windstorm and flood damages often covered by different insurance policies and handled by different adjusters. Without a proper grasp on this situation and a thorough understanding of your commercial insurance policy, you, the business owner, can be at a disadvantage and not receive what you truly need to restore your business.

As you begin to make decisions to maintain and restore your business, a crucial decision can be to hire a public adjuster immediately to prepare and manage your claim. We level the field when dealing with your insurance company. We guide you and advocate on your behalf as we evaluate and document your damage in detail to negotiate a claim for the maximum amount.

What To Focus On After Hurricane 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? Will his/her role be active or passive? When faced with supporting your position or the insurance company’s, where will he/she stand?
  • The insurance company hired a construction estimator. What do I need to know?
  • Wind Damage vs. Storm Surge vs. Flood. What is covered?
  • Why is a claim strategy so important?
  • Am I impacted by coinsurance?
  • Forensic Deconstruction may be required in order to determine the possible structural damages caused by pressure vs. suction and differential pressure (wind flow on two opposite sides of any building components such as roofs, walls, structural members, etc., which could deform or dislodge materials).
  • Is there coinsurance in your policy? Properly managing coinsurance requirements can prevent financial disaster. Not properly managing coinsurance requirements can put you out of business! If there is, what does it mean? If there is, did your insurance adjuster explain it you? How is coinsurance calculated: on replacement cost or actual cash value?
  • Is there a methodology to properly document the loss?
  • Is a moisture survey necessary? Why or why not?
  • When mold is an issue, be sure to hire professionals to record RH%, document the damage, and create a moisture map before removing ALL wet building materials.
  • Prompt inspection and documentation is key to a successful claim. It takes a trained professional to identify and document windstorm damage. Do you have the right expert lined up? You should not just rely on the insurance company’s experts.
  • The report from the roofing expert you choose can make all the difference in your recovery.
  • Repair vs. replacement of roofing can be a challenging issue. Are you familiar with matching issues/rules? Are you familiar with patching issues/rules? What about warranties?
  • Wind-driven rain vs. leakage. The difference can affect your recovery.
  • What happens following an extraordinary storm when drying equipment, generators, remediation labor, and other resources are unavailable for days? Weeks?

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

Industries We Have Helped

[We] sustained multi-million dollar damage to both the golf course and resort structures as a result of Hurricane Juliette, a category 4 storm... All claim preparations, from Business Income to structure damage, were taken care of by you, leaving our staff free from the complex paperwork and insurance company negotiations.
Ed Reisdorf
President - The Resort Group, Inc. Scottsdale, AZ
Testimonial
In post-storm Houston, resources were scarce, but you managed to marshal a team to quickly handle our various multi-family and commercial claims... In closing, while we hope to never have another claim, I have no doubt that if we do, yours will be the first number we dial.
Stephen Swan
President - Randall Davis Company, South Padre Island, TX
Testimonial

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
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!