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Public Adjusters for Commercial Winter Storm Damage

What if heavy snow overwhelmed your building’s rooftop and caused it to collapse? Or freezing temperatures caused a pipe bursting, leading to water damage and mold? If your commercial property suffers winter storm damage, it does not have to bring down your business.

To maximize your recovery, it’s important to properly document the various kinds of winter storm damage to your property, and to know what your commercial insurance policy covers.

Your commercial property can experience a range of winter storm damage. Heavy snow can cause a roof collapse. Pipes can freeze and burst, causing water damage and possibly mold. Even space heaters incorrectly connected and positioned in the office can spark fire damage. If the unexpected happens, your insurance company’s team will have their own interpretation about the extent of the property damage and what is covered in your commercial insurance policy. Shouldn’t you have an expert on your side representing only your interests?


Our professional public adjusters are there to lift that burden from beginning to end in your insurance claim process. We work only for you, not the insurance company. We level the playing field with our unmatched expertise and resources in evaluating, documenting, and negotiating your insurance claim for the maximum amount so you can get back to business sooner.

What To Focus On After Winter Storm Damage

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.
  • What is my agent's or broker’s role?
  • How do I keep my employees?
  • How do I keep my customers?
  • Why is a claim strategy so important?
  • Am I impacted by coinsurance?
  • What do I need to know about the insurance company’s adjuster and experts?
  • Am I entitled to an advance from the insurance company? What is reasonable?
  • What does it mean when the insurance company recommends a preferred vendor? Who will this vendor actually be working for?
  • Contractors may tell you they can do what public adjusters can do. Can they really? What is their background and education in insurance? Are they licensed and bonded? In many states, like California, it’s against the law to practice without a license!
  • The policy says it is your responsibility to submit a reconstruction estimate. Why would the insurer want to do it for you?
  • What is the difference between functional replacement and true replacement cost coverage and why should you care?
  • How is actual cash value determined?
  • Can you do the repairs yourself? Are you entitled to the overhead and/or profit that a contractor would typically charge?
  • What are the benefits and the pitfalls of not replacing your building?
  • Do you have to replace on the same site? Can you buy or build elsewhere?
  • Can you collect building code enhancement coverage if you build elsewhere?
  • How quickly can you start rebuilding following a loss?
  • How much of my time will this take?

Property Damage Losses Commercial 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
Negotiations & Settlement
Restoration Of Property & Operations

How Our Public Adjusters Help You

  • Evaluate Icon Evaluate Fully reviewing your insurance coverage.
  • Strategy Icon Strategy Developing a claim management strategy.
  • Compliance Icon Compliance Determining policy compliance issues.
  • Valuations Icon Valuations Completing detailed valuations of building, equipment and inventory losses.
  • Interruption Icon Interruption Formulating business interruption models.
  • Itemization Icon Itemization Presenting and supporting an itemized claim package to your insurer.
  • Negotiation Icon Negotiation Negotiating on your behalf with your insurance company.
  • Communication Icon Communication Keeping you informed every step of the way.
  • Settlement Icon Settlement Ultimately settling the claim for the maximum amount and with less hassle for you.

Industries Our Public Adjusters Have Helped

  • Client References & Testimonials

    Client References

    • Kmart Plaza - Utica, NY
    • Norm Siekan TV & Appliance - Utica, NY
    • Northeast Granite Company, Inc. - Montpelier, VT

    Testimonials

    ...Thank you for your diligence, you made an otherwise frustrating and disappointing experience, a much more pleasant one. Thank you for pursuing opportunities we never would have considered. Thank you or exceeding our expectations in terms of service and follow up. Most of all, thank you for maximizing our return, you and your team left nothing on the table...
    Placeholder Logo
    Barton Raser
    Vice President - Carr Hardware and Supply, Pittsfield, MA
  • Case Studies

    In the spring of 2013, the Village of Watkins Glen and Schuyler County suffered a devastating fire to its new, 15,000-square-foot Shared Services Building. This services facility was the headquarters or central location of key departments for the county’s and village’s operations. The Adjusters International/Basloe, Levin & Cuccaro public adjusting team was chosen to manage the county’s and village’s property damage insurance claims while ensuring that public services continued unhindered. After initial offers from both insurance carriers at much lower levels, AI/BLC was able to negotiate and secure a total recovery amount of $3.2 million dollars.

    Wilbert’s, a prominent three-location automotive recycling operation across Western and Central New York, suffered a devastating fire to a new 10,000-square-foot building at its Williamson location. As this building was the center of business for that location, Adjusters International/Basloe, Levin & Cuccaro (AI/BLC) immediately established temporary solutions to mitigate the losses and also developed strategies and objectives to make sure Wilbert’s received an optimal insurance settlement.

    New Energy Works, a leading timber company in America, suffered winter-related roof collapse to one of its main 15,000-square-foot buildings. When operations could have been left in limbo, our public adjusters quickly took control of the insurance claim process to help make sure New Energy Works kept running and did not lose customers to competitors.

Related Resources

Challenges of Winter Weather Claims Thumbnail Image
Video
02.01.2017

Challenges of Winter Weather Claims

Scott Greenwald, Regional VP at GGG-AI discusses the challenges of winter weather claims for home and business owners
Insurance Coverage For Collapse Thumbnail Image
Publication
Issue # 3039

Insurance Coverage For Collapse

Webster's lead definition of "collapse" seems so clear and straightforward as to preclude the possibility of such an event being debatable. Yet in the field of property insurance, few concepts have been as open to interpretation...
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Newsroom Article
10.25.2018

How Can You Prepare this Autumn for Winter?

Winterize Your Home To Help Prevent Property Damage