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
On behalf of the entire Tequesta Hills Condo Association and the Board of Directors, I’d like to take this opportunity to thank you both for your unyielding faith in our claim. Your constant communication and strong negotiating skills provided us with an unexpected outcome that would have been impossible without you.
| President, Tequesta Hills Condo Association
“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
“We are deeply grateful for all you have done to help us, educate us and represent us in this difficult time. I’m not sure where we would be without your help – but we surely wouldn’t have gotten the settlement your arranged and negotiated.”
Panama City, FL
“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.
“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
“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.”
“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.”
“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.”
“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.”
“We had the pleasure of working with Mr. Patrick Garrett and his company, Garrett Claims Group regarding our property insurance claims. If we had not engaged Mr. Garrett’s services we would have settled for substantially less regarding our two claims. In fact, he evaluated and examined the pre-existing claim that was over one year old and was able to recover additional monies owed by the insurance company.