Local presence. National reach.
Whether following an insured property loss or a wide-scale declared disaster event, we will put together a team of specialists handpicked for the specific needs of each individual loss. With over 40 offices nationwide, the Adjusters International team includes the top talent from the public insurance adjusting and disaster recovery industries. Local commitment, personalized service and proven expertise are the hallmarks of our reputation.
About Adjusters International
Adjusters International was founded when the leading public adjusting firms in the nation came together with one goal: to provide our clients with an unsurpassed level of expertise in preparing and settling property damage insurance claims. From start to finish, our public adjusters are by your side, working closely with you and your insurance company to achieve a full and fair settlement.
Over the years, our service offerings have grown to encompass working with local communities and government entities to secure FEMA Public Assistance grants following major disasters. Our disaster recovery consulting services also incorporates hazard mitigation programs, commercial insurance, and other funding sources. Our goal is to make sure our clients get—and retain—all eligible funding for disaster related damages and hazard mitigation projects.
Now Available — Insights for Your Industry — Restaurants
We are pleased to announce that our publication Insights for Your Industry has now expanded to cover issues specific to restaurateurs. Designed to help specific industries protect their ...
We are pleased to announce that our publication Insights for Your Industry has now expanded to cover issues specific to restaurateurs. Designed to help specific industries protect their property, these articles are written from a policyholder’s perspective and include real-life examples intended to improve disaster preparedness.
Our first edition in the Restaurant series “Keys to Successful Restaurant Operations — Good Sanitation/Quality Control Practices and Sufficient Insurance” focuses on the potential losses faced by restaurant operators. Restaurant operators face a variety of loss exposures, including fire and theft, business interruption, and liability to customers who are injured on the premises or will become ill due to food poisoning or contamination. One area that restaurant owners should not view lightly is that of insurance.
Offered in electronic format, all of the issues of Insights for Your Industry are available for free download on our website.
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Ring in the New Year with a 12-Step Disaster Plan
Make your New Year’s Resolution one that is attainable, affordable and advantageous by creating a comprehensive disaster plan for your home, business or family. A full disaster plan ...
Make your New Year’s Resolution one that is attainable, affordable and advantageous by creating a comprehensive disaster plan for your home, business or family. A full disaster plan can be a daunting and overwhelming task to take on initially. Start off your new year the right way by breaking your plan into manageable monthly duties. Having all of the necessary components planned out beforehand is the foundation for disaster resilience and survival. A disaster plan is exactly that, a plan to help you when the unexpected happens.
January — Review your property insurance policy
Over the course of a year a property can undergo many modifications. A few minor upgrades and repairs can amount to a much larger total sum of money spent on renovations. The amount of insurance coverage needed on a property is directly related to that property’s worth and value, therefore any changes throughout the year can impact your policy.
Generally it is advised that you review all insurance policies annually. An annual review offers the opportunity to discuss any concerns, to address changes made to the property that may require extra or additional coverage(s), and most of all it allows for peace of mind. During this review, you can discuss with your provider:
- Any major upgrades or renovations made to the property
- Business income during a disaster
- Exclusions and limitations of your policy (i.e. mold/fungi)
- Flood/earthquake exposure
- New, moved, or closed location(s)
- Newly purchased items
- Works of art/antiques
- Operational changes (number of employees, types of products manufactured/sold, worker’s compensation)
- Ordinance or Law Coverage (compliant with updated building codes)
- Other: data breaches, debris removal, outdoor signage, sprinkler leakage, etc.
*Note: not all of these items will apply to homeowners.
February — Inventory of possessions
After an insured disaster, the policyholder is required to provide their insurance company with a comprehensive list of all possessions that were damaged during the event. In order to be fully reimbursed for all items, this step must be done in extreme detail, which can take several months. But a full inventory is crucial when it comes to settling claims such as house fires, hurricanes and natural disasters that damaged your material items. If not done properly, the insured may suffer a major monetary loss when it comes time to settle their claim.
Before a disaster strikes is the best time to make an inventory. To complete your inventory:
- Begin one room at a time by either listing each item, taking photographs, videotaping, or all three
- Make a list of valuable documents and create copies of each
- Save receipts of expensive items and owner’s manuals for proof of purchase and value
- Digitize your inventory list thereafter
- Be specific!
There are many resources that provide home/business inventory templates to make the process much easier. For example, Microsoft Office provides a template which also helps to keep your records digitized at the same time.
March — Back-up critical documents
Before disaster hits is the best time to make sure that you have all critical documents digitized and safely stored. All efforts to create a home/business inventory will be of no use unless they are saved in a place of safe-keeping. Certain documents and important records can be reissued, such as birth certificates, driver’s licenses, and social security cards, but it can take weeks to receive replacements.
To keep your critical documents safe, you should:
- Digitize all documents via scanner;
- Store all digitized documents on a USB or external hard drive;
- Further back up all documents in ‘the cloud’;
- Store the original documents in a laminated binder (to protect documents from water damage) in a fireproof safe.
For more details and instructions on how to digitize documents, read: “The Importance of Off-site and Virtual Backup.”
Check back in April for the Part Two in this series on preparing for spring weather, starting an emergency fund, and developing an emergency communication plan.
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