Nonprofit Property Damage Claims
When a nonprofit organization suffers major property damage from a disaster, it could result in stalled operations and loss of donations, employees, and volunteers, setting the entire venture backward. This is a time to focus on getting organized and back up and running instead of worrying about how to handle the insurance claim. Our team of licensed public adjusters will take care of the claim for you. We evaluate and document not only the physical damage to your property, but also losses incurred from stalled operations.
Between the fire and the 25,000 gallons of water necessary to put it out, every floor and the basement sustained significant damage. How could we possibly embark on the steep learning curve required to responsibly oversee this work, while also working our full time jobs and fulfilling family obligations? We had dozens of questions and no answers. Frankly, none of us had ever heard of public adjusters. But after meeting with the AI team to understand what they could do for us, and doing some research on different public adjuster firms, we decided to hire Adjusters International. It was, hands down, the best decision we could have made! Bottom line: Hiring a public adjuster firm may seem expensive, especially in the initial hours and days after such a life-altering event, when money is tight and it’s hard to know how much anything will cost. It may be tempting to think it’s not really necessary. But if you hire the right public adjuster, it will be the best decision you make! Adjusters International was worth every penny we paid them!
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You just suffered serious damage to your nonprofit organization and are wondering what to do next.
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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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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.
Nonprofit Property Damage Claim 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 our broker's/agent’s role?
- Does the adjuster work for us or the insurance company? Why they can't work for both. Conflict.
- Can I compensate employees who help with cleaning or restoration?
- How quickly can we get started rebuilding?
- How does the event affect volunteers?
- How does the event affect donations?
- How to quantify long-term effects of less effective community outreach?
- 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?
- Continuing services to the congregation or the communities serviced. Best practices to continue.
- Does the insurance company pay for professionals necessary to evaluate our claim? Are they working for us or them?
- Is there coinsurance in my policy? What does it mean?
- How does our policy address increased costs due to new codes? If our coverage is limited, what can we do about it?
- Will the insurance company pay for a construction manager?
- Utilizing extra expense coverage to secure "E-Space" for classrooms off-campus.
- Can I compensate employees or volunteers who help with cleaning or restoration?
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.