RESIDENTIAL

Losing your home due to an accident or disaster can be overwhelming, confusing... even fear inducing. Homeowners insurance is required by lenders when purchasing a new home to cover the home and property in case of such an incident. Following a devastating loss the homeowner is required to document the damages, calculate and file property loss reports, and file the claim. The insurance companies require the documents and claim be filed correctly before paying out, and will find any loopholes possible to pay out the minimum on the policy - regardless of whether or not that payout even covers all of the damages. This is where Sill comes in. We work for the policy holders to manage the claim, and manage the insurance companies. Our team of experts will come out to document the damages, asses the losses, and then submit and file all paperwork and claims to ensure everything is up to par for the insurance company. After everything is filed we continue to work with the insurance company to guarantee our clients the maximum payout their policy will allow and get cash in their hand as quickly as possible.

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COMMERCIAL

A disaster can not only cause physical damage to your business, but hurt or destroy it entirely if you're out of business for too long. Business owners need to be focusing on getting operations back up and running, not spending their time dealing with their insurance company. This is where Sill comes in. Our main priority is working for our commercial clients to maximize and expedite their insurance claim so they can focus on this business' operational recovery. First steps are to assess any life and safety issues, and then move onto mitigation of damages. From there our team of experts can help the business with forming a preliminary plan of recovery, and then comes the evaluation of your insurance policy and what it covers. This includes recording and assessing the damages, calculating any equipment and inventory losses, calculating business interruption losses, and more. Sill's team of experts will then formulate the claim based on the records and calculations and file the claim and documents with the insurance company to start the claims process. Sill works on the business' behalf to negotiate the maximum settlement and then expedite the payout process to get the business repairs completed and operating at full capacity again.

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natural-disasters
While natural disasters can often seem like an easy insurance claim due to obvious damages left behind, there are long term issues that come with each type of natural disaster that can go unnoticed and therefore unfiled if you don't know what to look for. Sill and our team of experts have been working on all types of natural disaster claims for decades - knowing what type of underlying and long term damages to check for and how to handle the complexity these damages may add to the insurance claims.
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NATURAL DISASTERS

Sill and our team of public adjusters have decades of experience helping our clients recover from natural disasters, including the following:

Fire damage not only can cause physical destruction of a building, but can leave behind smoke or water damage that can lead to long term damages that may not be evident immediately following the original incident.

Floods can lead to severe water damage, and can also lead to contamination, mold, and other issues that could be potentially harmful long after the flood or water leak has subsided.

Hurricanes can bring a combination of damages when they strike, including wind damage, flooding, storm surges, and other physical damages to property.

Tornados and wind damage in general can be catastrophic. Much of the wind damage following a storm may not be noticeable by the naked eye, and could lead to further damages and long term effects to the structural integrity of your building or property.

The damage following an earthquake may seem easy to document and assess. What is often overlooked is how the earthquake may have compromised the structural integrity of a building or property which can lead to catastrophic losses down the road.

Any structure or building can be susceptible to collapse. There are a variety of reasons that can lead to a collapse and the insurance company may interpret collapse coverage differently based on the building location, extent of damage, etc.

Hail damage typically affects outside equipment and the roof of a building, however it can lead to water damage or structural integrity issues following a hail storm.

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