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Sharp Claim Solutions

As winter descends with its icy grip, the challenges presented by freezing temperatures extend beyond individual homes to commercial and multi-family properties. The impact of frigid weather on these larger structures can be substantial, posing various risks and potential damages. Often, when temperatures drop below freezing, commercial property owners must rely on tenants or maintenance personnel to ensure potential damage is thwarted, which, unfortunately, can lead to unintentional property damage.

Managing a commercial property insurance claim is a complex and intricate process. While it may be tempting to handle it on your own to save money, doing so can often lead to costly mistakes. In this article, we will explore the various issues that can arise when individuals or business owners attempt to navigate their commercial property insurance claims independently. These issues include inadequate documentation, policies and regulations, underestimating the value of property and losses, misinterpretation of policy language, time-consuming processes, missed deadlines, and other crucial considerations.

Severe weather events have the potential to inflict substantial harm upon your business establishment, leading to operational hindrances. Given the escalating frequency of weather-related crises, proactive measures are imperative. Should your commercial property be vulnerable to the ravages of storm damage, consider adhering to these constructive guidelines for effective preparation.

There are three types of insurance claims adjusters: company adjusters, independent adjusters, and public adjusters.

Are adjusters who work for insurance companies as full-time employees. They will not charge you a fee, however they represent the best interest of the carrier not the insured.

When you hire a public adjuster, they will handle the entire claim process on your behalf. They will visit your home to assess the damage, calculate the recommended payout based on the loss and coordinate with your insurance company to process your payout.