Government Municipality
In the wake of major property damage in the regions you serve, it is your responsibility to find temporary solutions and restore operations as quickly as possible. You do not need the added stress of handling a complex insurance claim.
As your licensed public adjusters, we evaluate, document, and negotiate not only the physical damage to your property, but also the income lost from business interruption and the extra expenses that are incurred.
Our team understands the complexities of the insurance claim process and leverages our expertise to optimize your settlement.
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1
One or more properties in the community you serve just suffered serious damage and you are wondering what you need to do to expedite financial and operational recovery.
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2
You call the insurance company and wait for an adjuster to come out, believing the carrier your organization has invested in will have the community's best interests at heart.
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3
After that one phone call your organization has moved from the asset side of the insurer's ledger to the liability side.
We Can Help
Knowing everything you possibly can about the "fine print" of your organization's insurance policy before you have substantive dialogue with the carrier is critical. Understanding what is covered and how to claim it is where our experience starts to be of value.
Choosing what to say to the insurance company's adjuster and how to say it makes a dramatic difference in how much and how quickly your organization gets paid. Globe Midwest/Adjusters International's public adjusters are experts in insurance claim negotiation.
The more you know, the better the results, so turn to the firm who has been in the field for 99 years and has the repertoire of satisfied clients to prove it.
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 the broker's/agent’s role?
- Does the adjuster work for my organization or the insurance company? Why should this be a red flag?
- Does the insurance company pay for the necessary professionals to accurately evaluate the affected property's claim?
- What are Warranties and Protective Safeguard requirements? What do they mean and can my organization still collect if we're not in full compliance?
- How can the way my organization and I present the story of the affected property to the insurance carrier affect its recovery?
- Do I or my organization know the policy linked to the affected property's provisions?
- Is there coinsurance in the policy linked to the affected property? What does it mean?
- How is actual cash value determined? Why should my organization care?
- What is the difference between a schedule of values and a schedule of limits?
- Is the insurance company using an independent building or equipment consultant to prepare a bid? Who are these consultants and do they only work for insurance companies?
- How quickly can my organization start rebuilding?
- Will the insurance company pay for a construction manager?
- How does the policy linked to the affected property address increased costs due to new codes? If coverage is limited, what can my organization do about it?
- What are my organization's options when it comes to temporary facilities, portables, and hardscape? What are the pros and cons of temporary versus permanent replacement properties?
... I am writing on behalf of the City of Highland Park to thank you for the outstanding job you did in assisting us with our recent insurance claim ... Your knowledge, experience and advice helped us to get though the process efficiently and with all excellent results that we could not have achieved without your involvement ...
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Who We've Helped
Globe Midwest/Adjusters International has nearly a century of experience helping clients secure the settlements they need to meet their financial and operational recovery goals.
Don't just take our word for it. Read statements written by members of your community.
Globe Midwest/Adjusters International employs expert public adjusters who specialize in insurance claim evaluation, documentation, and negotiation. Read how we have helped clients who were once in similar situations to yours.