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Wolf Investors

The adage that “improbable events happen all the time” was never more true than in the case of one of suburban Cleveland, Ohio’s most prestigious apartments, Sherri Park Apartments. The property includes two beautiful multi-floor apartment buildings. Within a six month period, one of the buildings suffered significant damage from a gas explosion and resulting fire while the second building suffered serious damage when it was caught in the path of the winds of Hurricane Sandy that swept across Lake Erie.
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Marion Centre Mall Realty Management

It is something different every day in the public insurance claims adjusting business. In the dead of a recent winter, a vehicle skidded on ice and struck a fire hydrant outside the Marion Centre Mall in Marion, Ohio. The force of the accident caused a pipe to burst in the mall, resulting in four to six inches of water covering half of the 527,000 square foot mall, anchored by Sears and Elder Beerman department stores and accompanied by such other recognizable national brand retailers such as GNC and Bath & Body Works.…

Analyzing the Notre Dame Cathedral Disaster From an Insurance Loss Perspective

I watched along with millions of people around the world in disbelief and sadness as flames engulfed Paris’ majestic Notre Dame Cathedral.The iconic international treasure has served as a place of Catholic worship for more than eight centuries and hosts nearly 13 million visitors of all ethnicities and religions each year.…

We Were Hacked and My Employee Wired Money to a Third Party.

My last BLOG, published in January 2019, addressed the above question: Does a company have coverage if, under false pretenses, an unsuspecting employee wires funds to a third party? The BLOG was well read and obviously the topic remains of significant interest based on the number of lookalike cases triggering lawsuits and the inconsistency in court rulings.…

Will Business Insurance Cover Hackers and Fraudulent Schemes?

I was hacked! Figuratively, that is, my computer and not physically. Hard to tell which is a worse fate. In pre-computer days, one of our worst nightmares was getting held up for our wallets. It was our “money or our lives.” Usually, the perps wanted our cash and credit cards. Assuming we were not physically harmed, this was a nightmare with “limitations.” All we really lost (in addition to peace of mind) was the cash we were carrying, the time spent canceling and replacing credit cards and the tedious trip to the DMV for a replacement driver’s license.…

Insurance Coverage for Vandalism, But Not Theft

We received such positive feedback from readers of our first “war story” described in the August 2, 2018 BLOG (Good Guys Win the Battle: A Recent Property Insurance Settlement War Story), we decided to follow that one with another report from the trenches on a timely topic. However, as the issue we are about to describe is a current matter, we are characterizing it conceptually as a paradoxical insurance coverage issue rather than an existing claim.…

A Recent Property Insurance Settlement War Story

On January 7, 2018, a fire occurred in a building that housed a successful and highly respected mid-sized printing company in Ohio. The fire damaged a considerable section of the building, but the flames did not reach any of the printing equipment. However, both smoke and the water from the firefighters’ efforts to strike the fire did reach and affect the printing equipment.…

What Living Expenses Can I Recover from the Insurance Company?

A fire severely damaged your home compelling you to move out while it is being repaired. You gather a few salvageable necessities and vacate the premises expecting your insurance policy to cover living expenses. Your insurance company says, “not so fast, buster” and directs you to the small print in the policy. Uh oh, you weren’t prepared for loopholes.…

Appraisal as an Insurance Policy Remedy

The insurer says, “Okay,” presenting you the workup of a damage estimate and hoping the amount will pass the blink test. But the number isn’t all right with you. You have tried in good faith to resolve your insurance claim for the significant damage to your business, residential real estate or personal property, but the insurance company offered $x and you want/need/deserve and are actually insured for $x-plus-plus-plus!…

Determining Optimal Property Loss Recovery Options

One of the most frequently asked questions when assisting a business or residential property owner in adjusting a property insurance loss is: “What are my options for an insurance claim recovery from this loss?” The question, though simple, is complex in nature and thus becomes the driver for most property owners to retain a public insurance claims adjuster, read Alex N. Sill Company, when contending with an insurance loss.…

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