The Greenspan Co./Adjusters International are professional loss consultants who exclusively negotiate claims for policyholders. Having a public adjuster on your side eliminates the inherent conflict of interest that exists when the insurance company’s adjuster, represents both you and your insurance company. Canada’s unique geography makes it susceptible to natural disasters such as winter storms, wildfires, and flooding among others. When these dangerous weather conditions damage your property such as your home or business, we are there to help you prepare, present, and negotiate your claim to your insurance company.
Property owners have the right to hire professional help.
- We relieve your emotional burden of having to deal with an insurance company following an insured event.
- We generate a higher settlement for you with the insurance company.
- We allow you to focus on keeping your business profitable with confidence that your insurance claim will not suffer.
- We handle all aspects of your claim while you focus on your family and/or business.
Fire Strikes Residential Home
It was late winter when a fire broke out at Charles Loughran’s 75-year-old home. As a lawyer, Loughran…(Read Full Case Study)
Earthquake Rocks Starbucks’ Corporate Headquarters Building
A 7.3 magnitude earthquake, later named Nisqually, rocked the major coffee retailer, Starbucks…(Read Full Case Study)
Hurricane Hits Harbor Branch Oceanographic Institution (HBOI) Causing $30 Million in Damages
§ Hurricane Frances hit the HBOI campus causing widespread damage to buildings and wildlife…(Read Full Case Study)
10 Things You Can Do To Make Disaster Recovery Go More Smoothly
By definition, disasters are rarely tame or predictable, and few property owners are truly prepared for the full extent and nature of a disaster when it does strike. While recovery is never easy, there are a few key steps you can take before and after an event to help make your insurance claim — which is, after all, the basis for your financial recovery — go more smoothly.
1 – Take photographs of property before a disaster occurs.
Photographs will be important to prove the extent of your damages later. Take new photos every year, or after any alterations to the property.
2 – Back up business-critical information.
Make sure your business-critical client records and communications systems are backed up off site so you can immediately retrieve key client information, financial documents, and sales histories. Having this information immediately available can make or break your public relations and disaster recovery efforts.
3 – Have a response team in place.
Put a claim management team together before a disaster strikes and assign a lead spokesperson. Only an individual who is knowledgeable in the area of insurance should handle interactions with your carrier. This is essential, since the smallest comment can make a big difference in how much money you recover.
4 – Protect your property from further damage.
Where necessary, to protect your belongings and keep others from getting hurt.
5 – Beware of contractors asking you to sign a contract for non-emergency services.
Ideally, you should not hire a contractor to rebuild your business until you have agreed on a repair/replacement scope of damage and an estimate of pricing with your insurance company. Then you will know how much you have to spend on reconstruction.
6 – Document the damage.
Photograph or videotape the scene, including the “debris pile,” before you begin any cleanup efforts. When estimating damages, do not rely solely on your historical records. Instead, secure replacement cost estimates.
7 – Request a complete copy of your insurance policy.
Read and make sure you understand your rights and obligations under your insurance policy before entering into any serious discussions or negotiations with your carrier. Seek out a professional to help you understand what your policy actually covers and, just as important, what it doesn’t.
8 – Document all your activities and expenses.
Keep a log of all activities and save all receipts, including those for property replacement and extra expenses. This will provide the documentation a disaster recovery professional requires to present expenses to your carrier, and you will know which expenses will be reimbursed as you rebuild.
9 – Make decisions that are best for the survival of your business.
Policyholders often expect the insurance company to tell them what to do to save their business. Insurance company adjusters are simply auditors of your property insurance claim. Only you know your business and what’s best for your recovery.
10 – Hire your own experts.
The insurance adjuster sent by your carrier to evaluate the damages is working exclusively for the insurance company, not for you. It’s your responsibility to document and submit your claim. Make sure you have someone on your side who knows insurance inside and out to ensure that you get a full, fair and expedited settlement — while you concentrate on maintaining your operations, not on claim details. Understand that your claim will have to be verified.
The Greenspan Co./AI Works for You
In 1985 our firm, along with a group of leading public adjusting firms in the United States, Canada and the United Kingdom, foresaw the need for an international network of highly skilled public adjusters who could bring specific expertise to servicing any type of loss, anywhere, at any time. Adjusters International was the result.
In 1989, recognizing the need for our services outside of the Southern California, we opened our first Northern California office in San Francisco. The Oakland Hills Firestorm of 1991 cemented our success and established us as the public adjusting company sought out by other industry professionals, including insurance agents, real estate brokers and attorneys. We also represented hundreds of homeowners impacted by the Oakland Hills Firestorm.
In 1994, as a direct result of the Northridge Earthquake and the resulting demand for our services, our firm grew exponentially. The reputation we had earned in over 50 years of business made us the go-to firm for earthquake claims expertise. Each of our offices assures you of the understanding of regional particularities including pricing and industry protocols. Our services are supported by our network of highly skilled professionals including adjusters, attorneys, construction cost estimators, forensic accountants and inventory specialists. We are experienced with the different types of natural disasters that strike, the many companies that insure against them, and how claims are handled. Our professional loss consultants have the resources and expertise to thoroughly investigate your loss, accurately prepare, document and submit your claim. This assures you of a full, fair and expedited settlement.
Contact us for more information.