Fire damage to your business or home can result from a variety of sources . . .
Unintentional carelessness, random occurrences of equipment and/or appliance malfunction and volatile natural acts (sun’s heat, spontaneous ignition, lightning, static discharge, high winds and storms for starters). Fire can just as quickly and easily result from fireworks, explosives and explosions, sparks, smoldering objects and more, such as industrial and transportation chemical spills.
The economic losses and emotional distress are debilitating and often devastating.
The National Fire Protection Association (NFPA) reported in 2017 more than 1.3 million fires the previous year resulted in $10.6 billion in damage in the U. S. An estimated 475,000 commercial and residential structures were damaged in 2016 accounting for nearly $8 billion in losses or about 75% of the total.
The U.S. Small Business Administration (SBA) has reported more than 90% of businesses fail within two years after being struck by a disaster (fire and others such as hurricane).
Thus, there is considerable pressure to get your business and home life back to normal, quickly.
Which leaves insurance claimants with a potentially bigger mess:
Contending with the claims process alone without the benefit of a professional licensed public insurance claims adjuster who represents only the policy owner and not the insurance company.
Suffered a fire loss? Contact the leading fire public insurance claims adjuster:
First, the Declaration Page(s) of your insurance policy entitle you to a certain level of coverage…
…but page upon page of exclusions and limitations limit your ability to collect on a claim,when every cent is needed to get your business up and running or your home life back to normal, fast.
Navigating through the policy exclusions and limitations is nearly impossible if one is not skilled, trained, and experienced with property insurance policies. And, getting the approval to repair or replace takes significant time (and, ultimately, may cost significantly more than anticipated).
Will your insurance company cover that cost? What about the delay before your insurance company approves the re-build? Where will you get cash flow during that time?
And will your insurer and their appointed adjusters understand and reveal the sometimes hidden, often veiled, damage done by fire?
Consider potential carry-forward issues resulting from smoke residual, lightening damage to the electrical infrastructure and water damage to interior walls and electrical components as well as current and possibly future business interruption losses.
Meanwhile, you believe your insurer has your best interests at heart. The insurer doesn’t.
The initial call to your agent will not do anything to assure you will get the maximum to which you are entitled. Insurance companies are for-profit businesses run for the benefit of their shareholders. The agent’s call to the insurer merely starts a chain of events designed to attempt to limit the insurer’s monetary exposure.
Get More Easier, Faster…
…with the leading fire public insurance claims adjuster which has nearly 90 years of experience successfully obtaining the most for policy owners from insurance companies.
The Alex N. Sill Company team of licensed loss consultants and appraisers work in unison to eliminate the gap – the difference between an insurance company’s damage appraisal estimate and what is rightfully owed per the terms of the policy.
The Alex N. Sill Company has the:
- Expertise to expertly understand insurance policies and prepare the necessary business and personal property damages and then recover maximum possible under the terms of a policy;
- Experience to successfully handle communications and negotiations with the insurer and their adjusters, answering all questions while preparing a forthright counter loss estimate to support the policy owner’s claim; and
- Complete understanding of the complexities of dealing with loss claims, which in itself is complicated by the specific individual methodologies of each insurance company. Sill is precise in preparing forensic accounting calculations of what can be highly technical business losses and computations aligned with the policy language.
Sill is among the largest and longest practicing licensed public insurance claims adjusters. We are dedicated to reducing the amount of time, effort and aggravation policyholders endure filing claims and fighting with the insurance companies. Sill makes it easier and will get you more, faster.
Start here to get “More, Easier, Faster”:
The Sill process is thorough and effective, combining personal local support with the power of its internationally acclaimed resources able to go toe-to-toe with the biggest of insurers.
The Sill team takes sole and complete responsibility from the moment a loss occurs, marshaling its comprehensive resources to seamlessly help clients get their business and personal lives back to normal.
The company can have its team of experts on-site within 24 hours (and usually sooner) to begin all aspects of the claims process and work towards a final payout in the shortest amount of time.
All efforts are thus focused on a successful recovery, the cost of which is usually absorbed as a direct result of our involvement.
Get the max. Get Sill.
You can hire a public insurance claims adjuster at any time . . . before and even after the visit from an insurer’s adjuster.
However, engaging a public insurance claims adjuster immediately following a disaster and prior to your first meeting with your insurance company is most beneficial. The actions immediately following the disastrous “event” including framing the scope of the loss with the insurance company, documenting the damage and beginning the negotiation process with the insurer are critical to determining the final maximum settlement.
Sill can make the entire, otherwise stressful, claims process for you as easy as possible.
It is difficult enough to operate a business profitably during ordinary times. Imagine the stress and strain on you and your staff attempting to keep the business operating following a loss while at the same time attempting to properly prepare and present an insurance claim to your carrier. Remember: the burden of proof is on You, the insured, to present the claim!
Contact one of our pros for a no-cost assessment.
Our permanent staff of in-house professionals, each an expert within their respective fields, will take responsibility for total management of the multitude of steps in the claims process.
Thousands of businesses and public entities as well as homeowners have greatly benefitted from having Sill at their side.The time is now to make a move for the max.
The road to rebuilding and recovery begins with Sill. Start your insurance claim adjustment process here:
Insurance Industry Insight and Policy Owner Power
If claim recovery is what most concerns you, your insurer and its agent/broker are not the best alternatives for helping to get the most due from a fire claim.
CONFLICT 1 The primary goal of an insurance company is returning profits to its shareholders. One way that is accomplished is by minimizing claim payments . . . to you and thousands of others.
CONFLICT 2 Insurance agents are in the business of selling policies, not adjusting claims. They are not adjusters serving as forensic accountants able to calculate lost income.
CONFLICT 3 Beware the repair contractor that says they can negotiate your insurance claim for you and beware the insurance adjuster who also says they also can do the repair work. They are not educated nor trained in respect to the terms of insurance policies and are not experienced in adjusting property losses. They are only concerned with doing work on your property for which they will be reimbursedby your insurance or by you directly!*
You have the power to take control of the claims process and get the maximum due. Don’t get short-changed.
When you incur a loss, either one of two scenarios can play out: Either 1) you can allow the insurance company to control your claims process, or 2) you can control your claims process by hiring your own professional advocate — a public insurance claims adjuster.
The key purpose of public adjusters is to provide representation of insured policyholders which serves to eradicate the conflicts of interests as well as balance the scales of adjustment between you and the insurance company.
The public insurance claims adjuster you hire (not an adjuster the insurance company assigns) provides the policyholder the power to professionally calculate and present to the insurance company the amount of damage done and the total due per the policy language.
The likelihood of receiving the maximum payout possible per the policy terms is rendered nearly impossible when leaving the calculation of damage responsibility up to the insurance company, its own agents and own adjusters as well as company employed estimators, accountants and attorneys. (It would be like permitting the IRS to calculate your tax bill!)
Furthermore, you can choose the public insurance adjuster best qualified to represent your interests.
That freedom of choice has no up-front cost, but may have a significant upside reward.
* Other than public adjusters, only attorneys may directly represent policyholders. This would occur if it is necessary to file a lawsuit—often a lengthy, expensive, and unsatisfying experience—and in which case they would need to rely on the forensic, independently derived calculations provided by a licensed public adjuster.
Sill’s Inside Scoop
The Sill process for optimizing the financial return from your insurance policy is built upon the combination of the company’s trusted process with in-depth, in-house insurance industry expertise. Many of our team members are veteran industry professionals with first-hand experience in the employ of insurance companies before joining Sill. Their valuable insight into insurance company practices is of great advantage when preparing damage valuations and ultimately to obtaining the maximum benefit possible for the policy holder.