Hurricanes Are Relentless. Your Public Adjuster Should Be Too.

Hurricanes bring an influx of disaster that no home or business is ever ready for. Maybe you evacuated for the storm of the century and came back to a house in the rubble. Or maybe you waited the storm out, listening to the howling winds and pelting rain.

Hurricanes are devastating. Whether the storms hit New Jersey, the Carolinas, or Florida, they leave destruction in their path. Hurricanes are merciless. You know them by name—Sandy, Florence, Michael, Katrina, Irene, Irma. And you’re left with the heartbreaking clean-up. Damaged houses, lost possessions. Forced to rebuild or relocate. It’s emotional and overwhelming.

You’re thinking about what to do minute-by-minute or hour-by-hour. You’re not thinking about your insurance company. Your insurance company isn’t thinking about you either. They want to protect their financial interest, and that includes minimizing your claim. They know you’re vulnerable after a disaster, and that’s the best time to settle with a low bid.

With United Public Adjusters, we make sure that insurance companies don’t take advantage of our clients. We fight for you and make sure you get the most for your claim. We’re with you from the beginning to the end.

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 a business before income taxes and continuing operating expenses, including payroll.
• Extra Expense  covers expenses while mitigating the business loss, or increased costs in continuing a 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.