Commercial Claims

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.

FAQ

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?

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