SERVICES
The ability to navigate the insurance claims process is critical to a quick recovery. Our loss consultants handle complicated insurance policies and have specialized expertise in their fields. They work closely with you to:
Total loss inventories: Your insurance policy will list this under your duties after a loss. We will inspect every aspect of your loss (including personal damaged items), list them, and research the costs of replacement, depreciation, and their actual cash value.
Examine and analyze all pertinent insurance coverage on the risk in question to determine the specific type of insurance involved and coverage stipulations such as co-insurance, replacement cost, etc.
Coordinate the preparation and presentation of a fully detailed and documented claim to substantiate the total costs of:
· Reconstruction and/or repair of the affected portions of the property, using like kind and quality, taking into consideration all improvements and betterments to the real property.
· Business and personal property damage, taking into account a complete assessment where necessary.
Loss of earnings, extra expenses, or business interruption.
Attend all meetings with the insurance company, their adjusting or building representative, or any other interested parties.
Initiate as necessary and document a continuing dialogue of agreements proposed during the course of the adjustment, and, when appropriate, provide a written confirmation to the insurance company.
Review all claims with you prior to their submission to the insurance carrier, and, most importantly, review of all adjustment offers elicited during our meetings for your full and final approval.
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