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Do you have large-loss property damage?

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

Condo Building Claim

Large-loss property claims

To some enterprises, a large loss can amount to millions of dollars in property damages. However, to other business owners, large losses can be considered to be any total amount of damages in excess of $50,000. Whether your commercial property has been damaged do to a burst pipe inundating multiple floor levels, or an industrial fire shutting down business operations, FIA and it’s experienced team are equipped to handle all issues related to large loss claims. Large- loss property damages create a series of challenges that not only affect the occupants, but can also directly or indirectly affect the operations and workflow of the business.

When a major disaster happens, operations managers and business owners are faced with logistical obstacles, unfortunately their training is not correlated with property insurance claim matters. Insurance claim issues such as: mechanical equipment damage, scope of property damage repairs, business interruption coverage, extended period of indemnity, OSHA standards, health department compliance, building code upgrades, and not losing employees become some of the many complexities when navigating a large loss claim. In many cases, even the insurance company’s personnel may not be experienced or equipped to organize and coordinate the flow of a large loss claim. Floridian International Adjusters clearly understands these issues and excels in managing your insurance claim from the beginning and until a settlement is reached that is beneficial to your organization.

Roof Damage

Having a PA for your large-loss claim

Our team of public adjusters will assist in collaborating with you and your staff to effectively coordinate, manage and become the point contact for all parties involved in a large loss property damage insurance claim. The immediate aftermath is what many business owners are not prepared and experienced to fathom. Urgent property damage issues such as: damaged machinery, salvaging inventory, avoiding spoilage, keeping employees, operation closures, power outages, damaged roof components, exposure of building envelopes, water intrusion to the interior of your building causing major water damage to improvements & alterations are some of the complexities of keeping your business from misfortune. An experienced commercial claim public adjuster will properly address and identify underlying issues that you and the 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 public adjuster at the early stages of your claim. Floridian International Adjusters can assist industrial and manufacturing businesses on new claims, underpaid claims, and even claims that have been denied coverage under your property policy.

Tile Roof Damage Commercial

Tips for commercial property owners after a large loss

  • Take safety measures for all occupants and staff
  • Ensure that your property is safe for entry and inspection
  • 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: Tarping roofs, removing water from common spaces & units)
  • 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

Is there more damage than originally thought?

The initial documentation of your large loss 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 property managers, boards and other policyholders at times fail to understand and identify the nature and extent of their damage. Our adjusters have the experience and trained eye that allows us to immediately understand the scope of repairs with clarity. It is imperative that property damage issues be immediately addressed and identified at the early stages of presenting a damage insurance claim for a large loss.

Warehouse Commercial Fire

Claim management strategies for large-losses

Large losses can be different in many ways. When consulting with your public adjuster, a plan should be developed with the following questions.

  • What caused the damage?
  • Where do I relocate employees & staff?
  • How do we maintain operations?
  • How do we maintain OSHA standards?
  • What is the extent and scope of damages to my property?
  • What is the initial proposed cost of repairs and restoration?
  • Does any of my property damage 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 insurance policy contract?
  • What are the duties and conditions under the insurance policy?
  • How long will it take to receive any payment for my claim?
  • 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

Large-Loss 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 large loss damaged property are properly addressed to your insurance company. Apart from documenting your loss, Floridian International Adjusters may incorporate the experts such as: industry related consultants, mechanical engineers, industrial hygienist, structural 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.

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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