1st party Commercial Claims: Everyone can't be expert in everything, especially when it comes to Commercial Claims because businesses and their attributes are so varied. Because we have done so many claims, there is a good chance that we have already settled claims like yours, but if we have not, we do know how to find out more about the claim in short order. We know where to look and with whom to consult to standardize even the most unusual claim into a format that can be quantified and finally indemnified. The first thing that we do is to read your policy or apply the appropriate ISO form & endorsements. We verify that coverage exists and to what limit, then we survey the loss and apply the policy with regard to depreciation, holdbacks, special limits, and exclusions to arrive at a settlement recommendation.
Vehicle impacted the full front of the insured beauty Salon. We were able to recommend a boarding company that would also reframe and install a working temporary door so that business could continue uninterrupted until the claim was settled and the new store front installed.
The board up company made a quick temporary covering inside the store so that customers would not be put off by the appearance of the exposed rough framing.
Additional damages to the soffit, electrical, and signage.
The knee-wall consisted of block with a brick veneer. This was covered by a custom made bench.
Unrelated prior floor tile damage. The tile work was not damaged by this loss.
Better look at the way the store appeared prior to the loss. The bench surrounded the whole front and part of the side.
Remains of the custom bench and a custom built counter. Both will need to be redone.
Wide view of insured excavator.
Close up of damaged cab pillar.