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Public Adjusters for Commercial Tornado or Other Windstorm Damage

If a tornado strikes and damages your commercial property, after everyone’s safe, your priority is to rebuild and to save your business. We are your public adjusters working as your advocates to assess damages, prepare your insurance claim, and negotiate with your insurance company to get you what you need to recover.

Tornado damage can be catastrophic or sometimes hidden and easily missed, and therefore compromising to your commercial property. Our expertise is in assessing such damage and negotiating a claim that will get your business what it needs to fully recover.

If your commercial property is damaged by a tornado, you may not be able to see the damage with the naked eye. This could be a cracked foundation or a loosened roof. How will you know if your property is safe? The first step is to engage a licensed engineer to determine if any structural deficiencies like these have occurred. If the damage is identified, our public adjusters can step in to help assess the full scope and prepare and manage your insurance claim.

Our team of public adjusters evaluates and documents your damage in full detail, and negotiates with your insurance company for a maximum claim recovery. As your trusted advocates, we make sure you obtain what you need to rebuild your property and business.

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The The Beneke Company/Adjusters International Offices

What To Focus On After Tornado or Other Windstorm 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? 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 very 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?

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

    • Bank One - Ft. Worth, TX
    • Buffalo County Fairgrounds - Kearney, NE
    • Da-Lite - Warsaw, IN
    • Dalcan Investments - Ft. Worth, TX
    • DVTC1 - Windsor, CO
    • Four States Supply - Joplin, MO
    • Garvin Mini Storage - Joplin, MO
    • Quality Inn - Taos, NM

    Testimonials

    ...a level F-2 tornado struck our property... The effects were such that the entire glass curtain wall of our 37-story building was destroyed, significant interior damage was sustained displacing all of our tenants and it became apparent that reconstruction would take more than a year to complete...From the time of engagement and until the completion of our insurance settlement, [your firm] provided us with every service needed to resolve an extremely complicated loss.
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    Ron Cherry
    President - Dalcan, Dallas, TX
    Through careful inspection and from your experience, you were able to prepare an estimate that was more than what we initially received from our carrier. You also overcame their [the insurance company] adjuster's opinion that the shingles did not suffer wind damage... Thanks again for your advocacy and professionalism!
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    Mark Copeland
  • 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

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02.02.2017

Tornado Insurance Claims Advice for Business Owners

Carl Gross, VP and CAO of Globe Midwest/Adjusters International gives business owners some tips on how to handle tornado insurance claims
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Issue # 3027

Hurricanes and Windstorm Coverage

Understanding your insurance policy before a disaster strikes is essential to protecting your organization and ensuring a fast recovery. Having contingency plans established in advance will help you ...
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Podcast
11.19.2015

Business Income Insurance

Understanding Business Income Coverage

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!