Commercial Fire Damage Insurance Claims

At Prime Adjustments, we understand the implications a fire can have on your commercial business. Navigating commercial fire damage insurance claim can be overwhelming, but our team is here to ensure you get the compensation you rightly deserve.

You’re running a business and a fire occurs.  What do you do first?  What are your duties under the policy to mitigate the damage?  Who do I hire first to help me?  How do I select the proper fire restoration company?  What are my commercial fire coverages?  These are all issues we assist with to ensure a proper settlement and ease your frustration throughout the process.

What To Do After A Commercial Fire?

• Prompt Reporting: The sooner your claim is reported, the quicker it can be addressed. We assist in immediate reporting to ensure your claim is reported promptly to the carrier.
• Documentation: A robust claim is backed by detailed evidence. We’ll compile vital documentation, including photos, inventory losses, and expert evaluations.  Our experts will document the loss in Xactimate, an insurance software that generates replacement costs in your area.
• Thorough Policy Review: Many policyholders are unaware of the intricacies of their coverage. Our public adjusters dive deep, examining the specifics of your coverage and clarifying potential exclusions.
• Business Interruption Coverage: We understand that downtime impacts revenue. With an efficient claim process, we help your operations return to normalcy at the earliest and file a claim for the loss of use.  In certain cases we will obtain forensic accountants to accomplish this.
• Evading Unreasonable Settlements: Rapid settlements might seem enticing, but they can often undervalue your loss. We ensure you’re getting compensated for the proper claim value to rebuild your business.

Why hire Prime Adjustments?

1. Commercial Fire Claim Expertise: Our extensive experience handling commercial fire damage insurance claims ensures that we understand all its facets, from policy interpretation to negotiation tactics with insurance companies.
2. Advocacy: More often than not, insurance companies may present an offer that doesn’t truly represent the extent of your damage. Our role is to stand firmly by your side, ensuring your claim is fully documented and the fire damage is covered under your policy.
3. Damage Analysis: Beyond the apparent fire damage, other issues such as smoke damage, water damage from firefighting efforts, and structural vulnerabilities may arise. We undertake a meticulous evaluation process, leaving no damage unturned while hiring designated experts to prove your damages.