Fire Damage Works Fast. Your Public Adjuster Should Too.
Has your home or business fallen victim to fire peril? United Public Adjusters is on your side.
Fires are devastating losses, whether to your home or business and can stem from a variety of sources including; electric space heaters, an overloaded electrical system, frayed extension cords, dry Christmas trees, ungrounded homes, unattended candles, faulty appliances, spontaneous combustion, dirty rags, lightning strike, smoking (cigarettes), flammable chemicals, wildfire – embers and WORSE- ARSON.
When fires occur, they can make you feel violated and enormously frustrated. Your whole life is turned upside down. Even if everyone gets out safely, an overwhelming task is added to your to-do list. The fire itself is chaotic but other elements such as char, soot, ensuing water damages, structural damages, and deodorization make handling property insurance claims a nightmare! After your property has been affected by the disastrous result of fire, the last thing you need is more stress on your mind. Our team of licensed and bonded public adjusters will work to advocate and negotiate all claims pertaining to property damage and associated loss caused by fire.
Insurance companies develop complex claims for a reason – they are only concerned with protecting their interest. When a fire disaster strikes, they recognize the vulnerability that comes along with it. With a public adjuster, we ensure insurance companies do not take advantage of our clients. Since each of our public adjusters are professionals, skilled in handling insurance claims, we’ll advocate on your behalf.
We will fight fearlessly on your behalf and assess:
BUSINESS PROPERTY DAMAGE / Business Owner Policy (BOP), including:
- Business Personal Property (BPP) including Property located in or on the buildings at the described premises or in the open (or in a vehicle) within 100 feet of the described premises. This can include property you own or lease (office furniture, equipment, and inventory), as well as tenant’s improvements and betterments.
- Improvements and betterments are permanent fixtures, alterations, additions or installations to a building by and at the expense of the tenant.
- Business Interruption intended to provide funds necessary while a business’ operations are suspended as a result of damage caused by a covered peril. Business interruption pays a business’s net profit or loss before income taxes and continuing operating expenses, including payroll.
- Extra Expense covers expenses while mitigating the business loss, or increased costs in continuing business in the wake of a loss. Reimbursement can include moving a covered business to a different location while the covered property is restored.
- Business Income intended to help you cover loss of income if your business has to temporarily close due to damage caused by a covered loss.
- Equipment breakdown covers your equipment, including computers.
- Crime insurance covers your business from fraud, theft, and forgery.
RESIDENTIAL PROPERTY DAMAGE / Homeowner Policy, including:
- Dwelling, Other Structures, and Personal Property.
- Ordinance or Law which provides coverage in the event that building codes (placed after a structure was built) require additional features not contained in the covered structure at the time of loss
Loss of Use including:
- Additional Living Expense pays the costs of living in a temporary location (hotel, house or apartment rental) if a covered loss makes the damaged home unlivable.
- Fair Rental Value pays for lost rental income while a property is inhabitable.
COMMERCIAL PROPERTY DAMAGE / COMMERCIAL POLICY, including:
- Property Damage including buildings, fixtures, machines, furnishings, raw materials, and inventory.
- Business Interruption intended to provide funds necessary while a business’ operations are suspended as a result of damage caused by a covered peril. Business interruption pays the net profit or loss of business before income taxes and continuing operating expenses, including payroll.
- Extra Expense covers expenses while mitigating the business loss, or increased costs in continuing business in the wake of a loss. Reimbursement can include moving a covered business to a different location while the covered property is restored and can include equipment breakdown coverage.
- Contingent Business Interruption includes benefits to cover lost profits and extra expenses resulting from damage to a third party’s property.
- Ordinary Payroll Coverage provides for salaries as a continued expense and can include hourly employee expenses.
- Loss of Rents pays for lost renter’s income while a property is restored.
- Extended Period of Indemnity covers business interruption and extra expense benefits beyond the period of restoration.
- Civil Authority covers business income benefits during mandatory evacuations.
- Utility Services – Time Element extends business income and extra expense insurance coverage for losses caused by a utility that provides a business with water, power, or communications.
- Loss of Ingress or Egress coverage for when ingress to or egress from real and personal property is prevented.