Understanding the Commercial Insurance Claims Process

Commercial claims can be complicated, with insurance companies wanting to minimize their payouts. When you file a claim, the insurance company's initial step is to send their adjuster to assess the damage. Unlike an independent adjuster, this adjuster won't have your best interests in mind.

Typically, the insurance company will proceed with these steps:

  • Adjudication: First, proof of loss documentation must be submitted to your insurance company. The insurer will then use their adjusters to evaluate your property and gather evidence. It's important to have an independent adjuster during this phase to protect your interests.
  • Submission: After gathering the evidence, the next step involves filing your insurance claims. The submission process can be lengthy, and having a public adjuster can yield better results. If you haven't heard back within 30 days, you may need to send more proof-of-loss documentation to your insurer.
  • Payment: Once your claim leads to a settlement, you can expect to receive your payment within a few days to a few weeks. Claims on the lower end of the spectrum will be processed faster, while those that have undergone changes during the process can take up to 6 weeks.

To get the most out of this process, you should think about hiring a public adjuster in Brentwood. This is where Excel Adjusters can help. We offer:

The Insurance Adjuster
  • Advocacy Against The Insurance Adjuster
  • To prevent your insurance company from manipulating the claims process, we offer public insurance adjusters and expert guidance. A public adjuster will level the playing field compared to the insurance company’s adjuster. While your property is being assessed, you'll have a knowledgeable advocate working exclusively for you.

  • Insurance Industry Expertise
  • Our licensed insurance professionals have comprehensive knowledge of the industry, enabling them to interpret insurance policies, assess damages accurately, and negotiate effectively with carriers.

  • Expert Guidance Through the Claims Process
  • Managing the complexities of the claims process can be incredibly daunting, particularly when tasked with gathering and presenting necessary evidence to your insurance company. Our experienced public adjusters offer expert support and comprehensive guidance, ensuring you feel confident and secure from the moment you file your claim until the final settlement is reached.

  • Efficient Communication with Insurance Companies
  • With our unparalleled understanding of commercial insurance policies, we can communicate efficiently and effectively with your insurance company. We correspond with them and their claims adjusters in a language they comprehend, ensuring that your interests are well-represented at every stage. The outcome is a fair and just settlement that equips you with everything necessary to repair your property.

Efficient Communication
Advocacy Against The Insurance Adjuster

Why Us - Our Services

Providing Loss Assessments Experts as Needed

We have strong relationships with public adjusters and other professionals in Brentwood who are essential for strengthening your insurance claim. Involving independent experts is vital since the evidence they gather and the analyses they conduct will advocate for your interests, not the insurance company's.

Documenting Property Damage

Following our damage assessment, we comprehensively document all evidence necessary to support your insurance claim. This involves identifying hidden damages, as we engage the right experts to detect problems that you or your insurer might miss.

Claims Strategy Development

By hiring a public adjuster, we ensure that we thoroughly analyze your personal insurance policies. The goal is to create the most effective claims strategy possible, maximizing insurance claims based on the unique aspects of your policy and property.

Why Us - Our Services
Providing Full Proof of Loss

Providing Full Proof of Loss

With our thorough documentation of evidence and extensive understanding of your policy, we can present full proof of loss to your insurance company.

Managing Complex Communications

We manage all interactions between the policyholder and the insurance company until the case is resolved, helping to make your experience as smooth and stress-free as possible. We also guide you through the complete fire insurance claim process, updating you regularly on our progress.

Negotiation for The Maximum Settlement

We excel in negotiating with insurance companies to obtain fair and equitable settlements. When you file insurance claims, we use our expertise to achieve the best possible payouts.

What Our Commercial Claims Services In Brentwood Cover

Commercial Claims Services Cover
  • Wind & Hail Damage Claims:
  • Wind and hail damage, commonly seen during thunderstorms and other severe weather, is a regular problem for commercial properties. We will send a public insurance adjuster to inspect the damage to your roof and other parts of your property.

  • Fire Damage Claims:
  • With the possibility of hidden problems such as smoke damage and compromised pipes, fire damage claims can be complex. Luckily, we will have a professional hygienist conduct a thorough evaluation of your property before initiating the claim process.

  • Water Damage Claims:
  • Water damage is often devastating and costly, but we focus on pinpointing the source and collecting all the evidence necessary to present a comprehensive insurance claim.

  • Vandalism Claims:
  • Businesses often face major challenges with vandalism, especially in restrooms and on the exterior of the building. Trust us to create a property insurance claim that provides the resources you need to clean and repair the damage.

  • Theft & Burglary Claims:
  • Even with protective measures in place, theft and burglary can still occur. In these instances, we’ll carefully document all stolen items to ensure you get the necessary compensation to replace the stolen goods and property.

  • Personalized Claims:
  • We know that each claim is distinct. Our public adjusters provide individualized attention, adapting their strategy to suit the specific property damage you’ve sustained.

Providing Full Proof of Loss

Commercial Insurance Claims FAQ

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What is a commercial insurance claim?

Businesses make commercial insurance claims to their insurers to receive financial compensation for losses or damages. The compensation can include property, assets, or operational damages due to events like storm damage or vandalism, as specified in their commercial insurance policy.

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What types of damages are typically covered by commercial insurance?

Typically, commercial insurance policies cover damages resulting from storms, natural disasters, business interruptions, theft, liability, and worker injuries. Coverage, however, can vary based on your region and the type of policy you have, so make sure to review your policy specifics before initiating the claims process.

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What is the difference between a public insurance adjuster and an insurance company adjuster?

The main difference between a fire claims public adjuster and an insurance adjuster is rooted in their allegiance. Insurance companies assign independent adjusters to handle claims, who may bias the results in favor of the insurer. Conversely, a public adjuster is hired by you specifically to advocate for your best interests throughout the claims process.

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How can I prevent disputes with my insurance company?

Hiring a public insurance adjuster in Brentwood is the most effective way to avoid disputes. Their ability to collect and document evidence, combined with their understanding of your policy and commitment to open communication, will help in preventing disputes.

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How much does hiring a public adjuster in Brentwood cost?

Typically, public adjusters charge a percentage of the settlement amount, incentivizing them to achieve the best results on your behalf.

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