Health Care Claims
A disaster may damage more than your building or facilities. It may lead to the displacement of patients, residents, and medical staff, the destruction of lifesaving equipment and supplies, and lost revenue. As the health care administrator, your priority is to get operations back up and running quickly, but you do not have the time to handle the insurance claims process. Our licensed public adjusters lift that burden and handle the claim for you. We evaluate and document not only the physical damage to your property and contents, but also the income lost from business interruption.
Understandably, insurance companies and those they insure may differ on what a fair settlement might be. You have been our stalwart and assertive advocate, insistent that things be fair and done correctly, treating our situation as if it were your own. It has felt great to feel that such a skillful negotiator has been in our corner. We certainly could not have done the job on our own, both because of our lack of knowledge regarding so many factors involved in the process, and our emotional state – not to mention the fact that, both of us being in business, the demands on our time and energy would have been overwhelming…The team has stood up for us. They have been fair and clear and professional. They have calmly guided us through what felt to us like stormy and overwhelming seas
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1
Your health care facility just suffered serious damage and you are wondering what to do next.
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2
You call your insurance company and wait for an adjuster to come out, hoping they will have your best interests at heart.
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3
You move from the asset side of your insurance company's ledger to the liability side.
We Can Help
Knowing everything you possibly can about the "fine print" of your insurance policy before you have any substantive dialogue with your insurer is an absolute necessity. Know what you are covered for and how to claim it. What you say to your insurance company's adjuster and how you say it can make a dramatic difference in how much you get paid. The more you know, the better the results.
Health Care Factors To Consider
Be sure to understand each of the following factors before engaging with the insurance company. Knowledge is the key to a successful claim outcome.
- What is my broker's/agent’s role?
- Do they only work for insurance companies? Why this should be a red flag.
- Does the adjuster work for me? Or The Insurance company? Why they can't work for both. Conflict
- Does the insurance company pay for professionals necessary to evaluate my claim? Are they working for me? Or them?
- Is there coinsurance in my policy? What does it mean?
- How is actual cash value determined? Why should I care?
- Can I compensate employees who help with cleaning or restoration?
- Replacement properties. Lease purchase strategy. Is it good for me?
- Is the insurance company using an independent building or equipment consultant to prepare a bid? Who are these consultants? Who are they working for? Do they only work for insurance companies?
- How quickly can I get started rebuilding?
- How does my policy address increased costs due to new codes? If my coverage is limited, what can I do about it?
- Will the insurance company pay for a construction manager?
- What is the difference between a schedule of values and a schedule of limits?
- Does my risk manager have the requisite skill sets to negotiate a large property claim?
- What does Title 24 and handicap access mean to you and your claim?
- Can I continue to pay my employees?
- What are extra expenses? What can be included? Can I use extra expenses to offset shortfalls in property coverages?
- What are expediting expenses? How do they differ from extra expenses?
- Temporary facilities. Portables. Hardscape. Temporary or permanent? How presenting my story can affect my recovery. Do I know my policy provisions?
- How does the event affect volunteers?
The Difference Public Adjusters Make
We work exclusively for YOU, not the insurance company. Our insurance professionals have managed and negotiated thousands of claims for nearly every type of natural and man-made disaster. Local in our approach, we have over forty offices across the U.S. and Canada, and an unmatched network of expert resources to efficiently mobilize and be at your side.