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 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?
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
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
“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
“Your help, support and guidance throughout the process of obtaining a fair and just offer of payment for our claim was immeasurable. Having you as our advocate was such a source of comfort in a very stressful situation. Your attention to detail made a huge difference in OUR monetary recovery from State Farm Insurance Company.
Additionally, your prompt response to any communication was so reassuring. Your staff and support team were always so professional and helpful; we never once worried that our messages were falling on deaf ears!
Dr. and Councilwoman Zimmern
Gulf Breeze, FL
“It is our pleasure to recommend Mr. Patrick H. Garrett with Garrett Claims Group. We retained his firm to represent us in negotiations with our insurance company when our property at 701 W. Bay St. in Tampa, Florida burned in April of 2007. Mr. Garrett acted professionally, worked in a timely matter, and demonstrated an impressive working knowledge of insurance claims and benefits. He was an effective and efficient liaison with the insurance company, and we believe maximized policy benefits due us.
Thanks to Mr. Garrett, we were able to rebuild our beautiful historic property that was damaged, and restore it to its’ former elegance. Though we hope this never happens again, we would not hesitate to call for Mr. Garrett’s services.”
| Griffin & Griffin Inc.
“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”
“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.”
“You were the best liaison. I am delighted with the outcome and would highly recommend you and your company to anyone in need of an excellent public adjuster, appraiser, negotiator, and/or contractor. Your business acumen and experience, as well as, your superb negotiation skills enabled me to recoup a great deal of the insurance monies to which I was entitled. I was able to get back into my condo with the assurance that all water, mold, and construction remediation issues were addressed and resolved.”
“No one should have to face the big insurance companies alone, and you were there every step of the way to make sure that our insurance carrier treated us fairly, and that we received the money that we were due. I really don’t know what we would have done without you.”
I met Pat Garrett a few days after Hurricane Frances did substantial damage to my shopping center on A1A along the Atlantic coast. His demeanor, knowledge and prompt attention to my claim resulted in a Policy Limits settlement. We were very pleased with GCG’s results.
| Paradise Beach Properties, LLC
“I would like to thank you for the great job you have done. I’m really glad we came in contact with you & your business. I can only think of the number of people that just accepted the original offers from their insurance companies.”
Gulf Breeze, FL
“Thanks for all your help. Construction is now underway – soon we will be back to normal.”
Marco Island, FL