If your organization or community suffers a hailstorm, the damage can be devastating. Your recovery will depend on how you assess and report the damage. Our team of experts helps you obtain the maximum claim recovery so you can get back on your feet sooner.
Hail damage may not be immediately recognized, and its potential risks may not be realized until years later. Will you be protected?
If a hailstorm strikes, the full scope of damage to your property and infrastructure may be difficult to detect and document until much later and not be reported to your insurance company, which can cause more unexpected losses later. A hailstorm can strike and damage a roof, but it may take two to three years for the roof to begin to leak. In that time, has the damage grown to compromise the integrity of the property? A detailed damage assessment is essential. You should not wait for your insurance company to make one.
Our public adjusters have expertly managed claims for every type of disaster at the regional, state, and national levels. We are called upon by communities, non-profits, and government organizations for our unique ability to mobilize a top team of professionals who have the unmatched experience and comprehensive understanding of the laws, regulations, and policies involving disaster recovery. This enables us to consistently coordinate and obtain the maximum reimbursement for our clients so that they may recover sooner.
Make sure you fully understand the meaning of each of the following before you move forward. Feel free to reach out to us for a no-cost discussion about your claim.
Why should the county, city, town, or district optimize its claim?
Do we have a commitment to taxpayers to recover the most possible?
What if the insurance company engages a building consultant?
What is my agent/broker’s role?
Will my code upgrade coverage address all my code related issues? ADA, fire codes, etc.?
Is there coinsurance in my policy?
Do we need to issue an RFP in order to engage your services?
Who in our county, city, town, or district will be involved in making the decision to hire us?
Is your claim a result of an event that may be funded by FEMA? If so, it is your obligation to first maximize your insurance settlement to satisfy FEMA’s eligibility requirements.
Why can’t we do it ourselves?
What emergency facilities are necessary to continue operations?
Can temporary facilities still be used at the end of the claim and be considered permanent? If so, how?
How do existing plans for renovations or enhancements affect my claim?
What building codes and regulations must be considered in the reconstruction?
How do bond cycles affect the full replacement cost holdback provisions of a policy?
Property Damage Losses Government & Non-Profits Claims Recovery Process
Property Damage
Time Element
Life & Safety Issues
Mitigation of Damages
Establish A Preliminary Recovery Plan
Evaluation of Coverages
Valuation Of Damages, Claim Preparation, and Documentation
...we suffered a large rain event which affected over 50 of our schools...Within three weeks, AI had prepared the estimates...AI's professionalism led to a good working relationship with our insurance company's adjuster. There was never a time when I could not reach either you or a member of your staff to have my questions or concerns addressed. I believe that we picked an excellent company, AI, to provide adjusting services for the major catastrophe that befell our school district this year.
Kermit Falgout
Risk Manager - Houston Independent School District, Houston, TX
Testimonial
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Scott deLuise, President and CEO at AI/MBC, advises policyholders to look out for the Unauthorized Practice of Public Adjusting (UPPA), especially after major storms
David has helped hundreds of business and home owners to recover financially after devastating property losses caused by both natural and man-made disasters.
Evaluate
Fully reviewing your insurance coverage.
Strategy
Developing a claim management strategy.
Compliance
Determining policy compliance issues.
Valuations
Completing detailed valuations of building, equipment and inventory losses.
Interruption
Formulating business interruption models.
Itemization
Presenting and supporting an itemized claim package to your insurer.
Negotiation
Negotiating on your behalf with your insurance company.
Communication
Keeping you informed every step of the way.
Settlement
Ultimately settling the claim for the maximum amount and with less hassle for you.
PublicationIssue # 3015
Podcast03.04.2016
Video04.26.2017