Commercial Water Damage Claim - Public Adjuster

Has your commercial property been damaged by water?

Let Floridian International Adjusters inspect your commercial water damage loss with you. Call today for a FREE insurance claim evaluation.

Commercial water damage claims

Whether you operate an office, retail space, restaurant, hotel, or manufacturing facility, every business is susceptible to the perils of commercial water damage. Damages to a building or other commercial property caused by a water damage triggering event will present complex issues to a business owner and managers. The immediate effects is what many enterprises are not prepared and experienced to grasp. Immediate priorities of commercial water damage issues such as: damaged inventory & stock, machinery & equipment breakdown, water supply shut-offs, or even partial or full water damage to a commercial building property become imperative in addressing immediately.

Our experienced commercial claim public adjusters will properly address and identify underlying issues that yourself and insurance company may not understand. Many of these issues will be difficult to investigate and document once certain repairs are made to the property. However, other issues related to structure and non-cosmetic damages will remain until properly remedied. This is simply why it is encouraged to contact a commercial claim public adjuster at the early stages of your claim. Floridian International Adjusters can assist business owners & managers on new claims, underpaid claims, and even claims that have been denied coverage under the commercial insurance policy.

Tips for commercial property owners with water damage

Take safety measures for yourself and all occupants first
Ensure that your property is safe for entry
Take initial photos & videos and create an initial list of damaged property (Interior & Exterior of building)
Locate your property insurance policy (hardcopy & PDF if possible)
Immediately take steps to prevent further damage (For example: shutting the water supply & removing water from interior spaces.)
Contact Floridian International Adjusters for a FREE CONSULTATION!
Provide prompt notice of loss to your insurance company
Develop a plan and claim management strategy with your public adjuster

Do I have more damage than originally thought?

The initial documentation of your commercial water damage is imperative in providing the evidence needed to create an initial presentation to your insurance company. Taking photos and videos with your smartphone or any other device will help solidify your claim and show important documentation of damaged property that may not be obtainable at a later time. Floridian International Adjusters will advise that the property be tested for several issues such as: water damage causing mold growth, structural deficiencies caused by exposure to water, and other unseen failures to systems.

Claim management strategies for commercial water damage

Commercial water damage claims can vary in many ways. When consulting with your public adjuster, a plan should be developed with the following questions.

What is the extent and scope of my commercial water damage?
What is the initial proposed cost of repairs and restoration?
Do any of my property damages need to be brought up to code?
Do you have an estimated timeline for the period of repairs and restoration?
What are benefits under the commercial insurance policy contract?
What are my duties and conditions under the insurance policy?
How long will it take to receive any payment for my claim?
How do I claim business interruption?
How do I keep my tenants after a commercial water damage?
Do I have coverage for “Extended Period of Indemnity” or “Boiler & Machinery?
How long can my claim settlement take?

Policyholders who used a public adjuster on catastrophe losses increased their claim settlement by up to 747% - OPPAGA Report

Commercial Water Damage Claim Services

Our experienced public adjusters will be working with you throughout the entire claims process to ensure that all aspects and issues related to your commercial water damage are properly addressed to your insurance company. Apart from documenting your loss, Floridian International Adjusters may incorporate the experts such as: plumbing consultants, HVAC consultants, industry related consultants, industrial hygienist, engineers, architects, accountants, and appraisers needed to properly adjust and prepare your complex claim. Our comprehensive repair and restoration report will address many issues that your insurance company’s adjuster may overlook or not have the expertise to properly identify and allow for payment of your claim.

Reviewing your Policy

Reviewing the contract of the insurance policy is critical in the early stages. A comprehensive investigation of cause and origin of a loss is performed in order to understand the variables of each specific type of loss. Together with our experts and consultants, we begin to identify, research, examine, estimate, adjust and appraise the overall value of our client’s property loss.

Estimating your Damages

A claims package is prepared involving reports, proposals, estimates, photographs, inventories and other supporting documentation that is constructed to present to the client’s insurance company. The latest cost estimating software is used in the preparation of reports. A strategy can then be developed for presentation purposes.

Adjusting your Claim

Communication and negotiations with our client’s insurance company is a process that evolves as the claim development is underway. Issues of policy coverage, local, state & federal laws are addressed. Mitigation and reconstruction of building systems are presented and debated with the insurance company’s adjuster.

Maximizing your Settlement

Knowledge of a policyholder’s rights and duties under an insurance policy are imperative when navigating through the complexity of the insurance claim. Floridian International Adjusters excels in the advocacy of the client. Maximum recovery and indemnity of the policyholder’s property loss is our goal. All avenues and means will be exhausted in making sure that the property owner gets a fair settlement that will return them to “Pre-Loss” conditions.

Office Buildings

Let your own insurance claim professional inspect your office or retail damaged loss with you. Floridian International Adjusters is effective in identifying damaged items that you may have not known were damaged or could be claimed to your insurance carrier.

Supermarkets

When investigating property damage to your supermarkets’ building, its upgrades and the loss of inventory and equipment, it is important to thoroughly evaluate the scope of loss to solidify a claim package for your insurance company. Possible pitfalls such as co-insurance clauses can significantly affect an insurance claim pay out and cripple your business if not properly informed.

Business Interruption

Issues related to period of interruption and amount of time for the period of restoration need to be carefully documented. Floridian International Adjusters collaborates with experienced forensic accounts to ensure a carefully executed Business Interruption claim presentation for your insurance carrier.

Condominium

We collaborate with Homeowner’s Association (HOA) board members & property managers to effectively coordinate and manage condominium insurance claims by becoming the point of contact for all parties involved. The importance of understanding master policy vs. unit-owner issues and condominium by-laws is essential in resolving complex issues of coverage.

School Institutions

From universities to early childhood learning centers, Floridian International Adjusters adopts claims handling practices that will ensure your claim is well represented. Issues of maintaining student enrollment, business interruption, business personal property, building & improvements damage and safety requirements become some of the many aspects of an educational institution insurance claim.

Large Loss

Large loss insurance claims require the expertise and careful preparation from a team of experienced public adjusters. Many insurance companies and their “general adjusters” may not have the experience and proper claim skills to understand the issues related to complex large loss claims.

Hotel & Motels

Vacancy issues are one of the many complications hotel & motel owners face after a property loss. You may be faced with a sense of urgency to make property damage repairs and keep your occupants well accommodated to avoid becoming financially burdened. Floridian International Adjusters can successfully assist in preparing a claim management strategy that will prepare you for potential pitfalls.

Religious Institutions

Insurances claims involving places of worship require careful documentation & review of insurance policy coverage and benefits. When managing these types of insurance claims, it is imperative to focus on the potential of having to temporarily relocate and avoid losing members of your congregation. Floridian International Adjusters assists all faith-based organizations on their insurance claims.

Boiler & Machinery

If your business has incurred damages to essential equipment such as: motors, pumps, HVAC systems, aircraft machinery, boilers, renewable energy equipment, transformers, refrigerators, copiers or any other machine, our adjusters can assist you with a mechanical breakdown claim. It is crucial to understand the complexities of each piece of equipment and the resulting negative impact on adjoining equipment.

Restaurants

When navigating through a restaurant property loss claim, you may be faced with many issues involving the scope of property damage repairs, business interruption coverage, health department compliance, building code upgrades, and the loss of employees. Keeping your restaurant open and back in business is imperative before becoming economically challenged.

Industrial

Industrial facility insurance claims require specialized strategies that tailor to the business’s operational needs. Priority lies on resolving problems that come along with building alterations, code compliance, OSHA Standards, Business Interruption, value of stock, retention of employees, and repair & restoration logistics.

Medical Facility

Medical facilities such as hospitals and clinics involve a combination of several issues. Losses ranging from property damage to the building and its’ alterations, mechanical breakdown of equipment such as CAT scan & MRI equipment, and pitfalls related to business interruption are just some of the many aspects of a complex insurance claim to a medical facility.

Don't let the insurance company take advantage of you.

Floridian International Adjusters recovers millions for its clients every year. We work for you, not the insurance company.

Our public adjusters service the following areas

Floridian International Adjusters continues to expand into several regions of the US and abroad. Currently, our licensed adjusters can assist property owners with damage in the following locations:

Florida		Virgin Islands
Puerto Rico		Georgia
South Carolina		North Carolina
Virginia		Colorado
Texas

Property loss consultants working for you!

Founded in a region known for it’s high risk of natural disasters such as tropical storms, hurricanes, floods, fires and other catastrophes. Floridian International Adjusters has become a known advocate for policyholders who have incurred the consequence of property damage to their homes and businesses. Our licensed public adjusters have represented and settled thousands of property insurance claims on behalf of property owners. FIA’s trained staff and adjusters come from many diverse backgrounds such as customer relations, architecture, emergency restoration, marketing, business administration and even from inside the insurance carrier side of the property insurance industry. The combination of these various disciplines gives the firm a competitive edge in excelling the practice of public insurance adjusting, property loss consulting and loss appraisal.

Floridian International Adjusters core principles center on the needs of our clients. Our careful representation and insurance claim management strategies provide your property loss claim with an opportunity to maximize the benefits of your insurance policy coverage in an efficient and pro-active manner. Understanding the nature of identifying damage and properly appraising the value of your claim is our specialty.