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Insurance Claims for Winter Storm Damage

If your organization or community suffers winter storm damage to any of its facilities, your recovery can largely depend on how you assess and report the damage to your insurer. Our team of expert public adjusters will help you obtain the maximum claim recovery so you can get back on your feet sooner.

Because winter storms can cause a variety of damage, if you do not document and prove your loss properly, you may not receive the claim proceeds you need to fully recover.

If your organization or community’s infrastructure is interrupted by a winter storm, you will not only face the challenges of securing everyone’s safety and protecting the rest of your property. You will now also have to secure the necessary funding for your recovery. There may be a roof collapse, a pipe bursting and causing water damage and possibly mold, or even sudden fire damage. Do you know if you are covered in your insurance policy? The effect of any unrecoverable disaster costs can be an immobilizing blow to your organization or community.

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 our adjusters to consistently coordinate and obtain the maximum reimbursement for our clients, so that they may recover. With offices in Portland, Albany, Utica, Syracuse, Rochester, Buffalo, and Scranton, we are the premier public adjusters PA, NY, and ME organizations and communities rely on to help them recover more, sooner.

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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.
  • 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's or 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?
  • How do bond cycles affect the full replacement cost holdback provisions of a policy?
  • What building codes and regulations must be considered in the reconstruction?

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
Negotiations & Settlement
Restoration Of Property & Operations

How Our Team Helps 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.

Government & Non-Profits We Have Helped

...This storm caused area wide damage with downed trees and extensive power outages. The storm was declared a local, State and Federal disaster (Disaster #1665)...[your team] demonstrated a sincere interest and willingness to work with Erie County in its efforts to document the incurred costs and finalize the volumes of paperwork necessary as part of the Federal Disaster relief efforts...
Dean Messing
Deputy Commissioner/Emergency Services
Testimonial

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