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Do you have equipment breakdown?

Let Floridian International Adjusters inspect your equipment breakdown damage with you. Call today for a FREE insurance claim evaluation.

Equipment

Our team can assist equipment breakdown claims

Previously known as “Boiler & Machinery” insurance, equipment breakdown insurance policies have been available for over 100 years. This coverage can play a crucial role in the survival of a business, therefore, it is important that business owners strongly consider avoiding the risk of losing a vital piece of equipment that can cripple an organization’s operations. A piece of valuable equipment can be operating fine, however like any machinery, breakdowns can happen. On many insurance policies the term “Accident” is defined as, “a  fortuitous  event  that  causes  direct  physical  damage  to  “covered  equipment.” This definition carries many insurance coverage issues that need to be carefully investigated and addressed in order to properly present an insurance claim to the proper insurance policy. Many policyholders will be surprised to find out that their Equipment Breakdown policy can have many exclusions, typically up to 21 different exclusions.

For example, is fire and explosion covered or not covered? This may depend under certain circumstances that caused the fire or explosion. An experienced boiler & machinery insurance claim professional can help address the issues of causation to an insurance carrier. Floridian International Adjusters clearly understands equipment breakdown claim concerns and excels in managing your equipment breakdown claim from the beginning and until a settlement is reached that is beneficial to your business.

Machinery

Gathering your equipment’s records

The initial documentation of your equipment breakdown & property damage is imperative in providing the evidence needed to create an initial presentation to your insurance company. Taking photos and videos with a 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. Contacting an insurance claim professional such as a public adjuster is beneficial in the documentation of damaged property at the early stages of an insurance claim.

We find that business owners, managers, boards and other policyholders at times fail to understand and identify the nature and extent of their damage. Retrieving all documentation related to inspection reports, maintenance, lease contracts, and purchase orders for the equipment will be necessary. Gathering the necessary financial documentation to support your claim for loss of income is crucial. Our adjusters have the experience and trained eye that allows us to immediately understand the scope of repairs with clarity. Understanding the period of time needed for restoration will help set the timeline to calculate the monies being claimed to an insurance carrier.

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

Equipment Breakdown Claim Services

Our experienced public adjusters will be working with you throughout the whole claims process to ensure that all aspects and issues related to your equipment breakdown & business interruption claim are properly addressed to your insurance company. Apart from documenting your loss, Floridian International Adjusters may incorporate the experts such as; mechanical & electrical engineers, industry related experts, CPAs, forensic accountants, structural engineers, architects, and appraisers needed to properly adjust and prepare your complex claim. Our comprehensive equipment breakdown 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.

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.

Office Buildings

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

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

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

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

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

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

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

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

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

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

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 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  
AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC
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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.

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