Organizations, Corporations, and Associations have exposures of building damages business property and business interruption losses. Our client’s include: Office buildings, churches, medical centers, hotels, malls, retail stores, industrial buildings and warehouses.
Don’t drown in paperwork following a loss. Let us establish and defend your claim
Don’t just make a claim. Build a case
Commercial property owners have duties not only under the insurance policy, but obligations to tenants, clients and other owners. The ability to address all facets of a loss when damages occur creates a complex environment for commercial policyholders. These policyholders are unilaterally committed over and above their normal work flow when damages arise.
We keep communication simple for you by having one single point of contact for you
One point of contact to investigate, research, coordinate, identify policy benefits, communicate effectively with the carrier, properly present the claim and provide settlement options is an asset.
Retain us as your experts
Most people have little familiarity with their insurance policy. Many have neither the time, much less the expertise, to undertake the complexity of filing an insurance claim that results in a satisfactory settlement. It is not the job, duty, or responsibility of your insurance company to discover the full extent of your loss. It is yours.
We are on your side. Let us represent you, for we are an insurance claims adjusting, appraisal, and construction consulting company committed to recovering every client’s loss as if it were our own.
Common residential claims questions
Replacement Cost Value (RCV) means replacing with materials of like kind and quality.
Actual Cash Value (ACV) is defined as replacement cost less depreciation.
Depreciation means a loss of value due to wear, deterioration, or obsolescence.
Additional Living Expenses (ALE) / Loss of Use is defined as expenses that would not have occurred had the loss not taken place. These are expenses over and above the normal expenses.
Total Loss is a loss that completely destroys or renders useless the insured property or completely exhausts the applicable insurance limit.
Direct Physical Loss – resulting immediately and proximately from the occurrence and not remotely from some other consequences or effects thereof.
Do you have any other questions?
Patrick H. Garrett being interviewed by Fox 13 as Expert on Insurance Claims
Those impacted by Hurricane Irma should understand their obligations and the initial steps when making an insurance claim. It is simple to make the claim
How to handle a residential insurance claim
Our homes are not only the largest investment in our life, but it’s an emotional attachment to the memories and personal possessions that make up
FAPIA Bulletin Updates on Ban by Some Carriers From Using Public Adjusters
On January 26, 2022, the Florida Association of Public Insurance Adjusters (FAPIA) issued a bulletin in response to recent action by Louisiana Insurance Commissioner, James
What Our Satisfied Clients Have To Say
“We cannot thank you enough for all the efforts you made to get our claim settled! We were grateful to have had such confidence and trust in you! Your work has brought us such ease. Thank you, thank you, thank you”
“I would like to personally thank you both for all you’ve done to help us successfully negotiate this insurance maze. Your dogged determination combined with your constant and never ending faith that kept us focused on bringing this claim to a successful closure is so gratefully appreciated You were there fighting for us and holding us up when we had no idea where else to turn. Your expansive knowledge combined with your incredible negotiating skills mixed in with the facts have allowed us to finally close the book on this one.
| Former President – Tequesta Hills Condo Association
“Mr. Garrett’s firm, Garrett Claims Group, had the resources, reputation, enormous amount of detail, and professionalism to properly evaluate our claims. His comprehensive reports and persistent negotiating skills obtained our cultural center excellent insurance settlements. Without his involvement we would have never accomplished such just and equitable proceeds to restore our facility. We would not have known where to begin in separating the damages or have knowledge of our entitlements.
“When I originally began looking for an insurance consultant to handle our claim, I was drawn to GCG due to your years of experience and local knowledge; it was the correct selection. Without your efforts my family would not have benefitted as well.”
The Alvarez Family
“In seven months I had my insurance check. I cannot Thank Mr. Garrett enough for all he has done for me in such a short period. I would recommend Mr. Garrett and his company Garrett Claims Group as a licensed Public Insurance Adjuster in the highest regard.”
Port Richey, FL
“This letter is to present our utmost approval of the services received by Garrett Claims Group. Tristan Towers Homeowners Association utilized their skills in estimation, claims proposals and insurance arbitration. Excess of 2 million dollars were obtained as a direct result of their skill and proper presentation of our claims.”
| Tristan Towers Homeowners Association
Pensacola Beach, FL
“I just wanted to send a little note with a great BIG thank you for all that you both did for me. May God richly bless you for your professionalism, expertise, and kindness during the past 17 months. Your help in answering my questions and keep me abreast of everything were exemplary.”
Dade City , FL
“You and your team of public adjusters have been a great help to my clients during catastrophic losses. Your background as a general contractor and expertise in the construction field not only helped when handling hurricane claims, but in many other property disputes. You and your staff are professional, dependable and always give me 110% when handing a claim.”
“I want to thank you and your team for helping me in my time of complete desperation. When I reached out to you for help you came to my home within days, look through the large piles of reports and letters from the insurance company, and made sure I understood the process we would have to go through.”
“You made sure the right experienced experts came to my home so they could see the damage for themselves, and document their findings in reports that we would later need in the law suit.”
Live Oak, FL
“Thank you for all the hard work you performed on our fire loss. Your negotiating skills and knowledge of insurance claims was beyond expectations.
I highly recommend anyone dealing with an insurance company to use you. With the altered insurance contracts, wrongly written check and the way the insurance company basically ignored us we would have been “up a creek” without you.”