Business Interruption Damage Claim
Public Adjusters
In the event that a disaster should impact your business, it may result in your place of work becoming unusable. Losses can be from fire, smoke, water damage, mechanical breakage of large machinery, hurricane, storm or wind damage, etc. Income will not be produced while fixed costs may continue to incur (e.g. rent, utilities, etc.)
During this period of business interruption, whatever income your business would have made cannot be used. Our forensic specialists analyze your historic financial records to determine this unusable income and work hard to speed up the process which gets you paid quickly.
Business interruption coverage also entails:
- The cost and expense of the business incur during the period of time that the location is unusable. Again, our forensic specialists will analyze historical financial records to determine these fixed costs.
- Expenses that incur while moving to a temporary location to resume business — this has to be proven, and the claimant will get compensation if covered under their policy.
- “Extra expenses” that may incur from keeping the location opened for business. Insurers offer this form of coverage to reduce business interruption costs. E.g. If the rental of a piece of equipment was necessary for the business to remain open, this extra expense is covered, as the insurer prefers to pay the extra expense of the rental as opposed to the cost of a shutdown.
What TO DO when you have business interruption Claim in Florida?
- Do put us on your speed dial or contacts now (800-952-7693).
- Do secure your books and records in fireproof cabinets and always back up your computers off-site.
- Do store disaster recovery plans off-site.
- Do store your insurance policies and important documents or at least copies thereof off-site.
What NOT TO DO when you have storm or hurricane damage in Florida?
- Do not try and settle a business interruption claim without your Public Adjuster.
- Do not try and handle all the details of the claim yourself without your Public Adjuster.
- Do not spend a second with the insurance company because your talents will be needed finding new space, renting new equipment, reconstructing accounts receivable and payable, relocating your business, hiring new personnel and dealing with the stress of hundreds of daily decisions in addition to keeping your business operating.
- Do not sign any contracts with any remediation firms without seeking advice from your attorney. If you insist on hiring a firm then only sign to have them do emergency services. Do not sign a contract to have them do the repairs on your home after the emergency service is completed.They usually have in the fine print a 20% penalty clause for liquidated damages on their contracts and you will have to pay them even if they did not complete any work.
Florida's Best Public Adjusters
At our firm, we’re aligned with your objectives – securing the highest possible financial restitution for the damage sustained by your property or enterprise. Our team of Public Adjusters is dedicated to optimizing your insurance claim’s value.
Notably, we hold the top spot in Google Search rankings as the leading Public Adjuster. What sets us apart is our unwavering commitment to serving your best interests, as we work exclusively for you, not the insurance provider. Our mission is clear: to assist you in fully maximizing your insurance claim.
Stephen Lippy
CEO & Founder of Florida’s Best Public Adjusters
Tips for Business Interruption Claims in Florida
If you were wise enough to purchase business interruption insurance, it will most likely prove to be the most valuable form of coverage your business has. Business interruption claims are very complicated and time-consuming to handle on your own. We at Florida’s Best Public Adjusters can offer complete claims handling services. Our staff has two decades of experience in handling small and large business interruption claims.
At Florida’s Best Public Adjusters, we understand that business interruption claim is an extraordinary event and definitely not something you deal with every day.
Bottom Line: We represent you and not the insurance company. Your insurance company’s brokers/sales agents handed you a lengthy document that is there to protect them and not you. The agent or broker who sold you your policy represents the insurance company and not you. According to Florida State Statutes, aside from yourself, there are only two entities that can represent you with claims and dealings with your insurance company. Those two are either an attorney or a Public Adjuster (PA).
We don’t represent you if we can’t win because we don’t get paid unless you do!
According to the Florida Legislature’s Office of Program Policy Analysis and Government Accountability-OPPAGA, Policyholders who hired public adjusters (PA) for non-catastrophic claims received 574% more money than those who did not hire a PA. Policyholders who hired public adjusters for Hurricane related claims received 747% more money.
Insurance companies have teams of adjusters, engineers, claims managers and preferred contractors that represent their interests.
Aaron SkloffOctober 30, 2023Stephen was very knowledgeable and sincerely took an interest.
D HJuly 28, 2022Florida’s Best Public Adjusters ARE the best. Our adjuster came to the house a few times to scope out the damage from a water leak and he spent quite a bit of time measuring the affected areas. The resulting claim amount was amazing. If we had handled the insurance company ourselves we would have come up way short. We highly recommend and trust Florida’s Best. Thanks Julian!
Erika ClancyMay 1, 2022Stephen Lippy was great to work with! Very informative and communicative throughout the process. We were not familiar with the public adjusting process but Steve and his team helped walk us through everything and explained things very thoroughly.
Ken FraidinApril 8, 2022Julian & Florida's Best Public Adjusters were extremely helpful in getting winning my claim. They were easy to work with, very responsive & made the process very easy. I recommend them highly.
Miriam B. R.May 6, 2021Stephen Lippy is a professional and experience PA. Stephen is knowledgeable and reliable. He provided personal attention and was always available to answer all questions. Excellent services!
Nekisha HymanMay 5, 2021Receive a referral from a friend for this company. I was very pleased with the way they handled my claim and were able to resolve my issues without too much hassle from the insurance company. Their follow through is amazing. The follow up after things are resolved is exceptional.
scott solomonMay 4, 2021The professional service we received made our insurance claim easy.
Ryan SteeleMarch 17, 2021Stephen got my denial reversed….had all to do with his reputation, and not the “luck of the Irish” on this St. Patrick's day! Him and his team are very professional, responsive and caring during the entire ordeal. If they are not on your team, you have chosen poorly.
FREE CLAIM ANALYSIS
Once we establish we can help you, and its in your best interest to file an insurance claim, we will schedule an onsite inspection. Speak with one of our adjusters today to start your insurance claim!
We are available 24/7!
WHAT IS A PUBLIC ADJUSTER?
Confused about your insurance claim? Not sure if you’re getting the compensation you deserve? Let us introduce you to a game-changing solution – the public adjuster.
At Florida’s Best Public Adjusters, we believe that you deserve every dollar of your insurance claim, and more. Our experienced team of public adjusters is here to guide you through the labyrinth of insurance claims, advocating for your rights and ensuring that you receive the highest possible settlement.
So, what exactly is a public adjuster, and how can we work to your advantage?
A public adjuster is your personal insurance advocate. We are licensed professionals, working independently from insurance companies, with one primary objective: to protect your interests and maximize your settlement. Our expertise lies in understanding the intricate details of insurance policies, navigating the claims process, and negotiating on your behalf.
How Can a Public Adjuster Benefit You?
Insurance Expertise: Public adjusters are policy wizards, ensuring you get the best payout possible.
Streamlined Process: Say goodbye to claim complications; we make it easy.
Negotiation Process: Our recent case proves it, we turned a $13,000 offer into an incredible $175,000 settlement!
NO RESULTS, NO CHARGE
If your home or business has been damaged or your claim has been underpaid, call us for a free consultation. We will negotiate with the insurance companies to obtain the maximum settlement.
Our public adjusters in Florida will file all proper documentation and go to the depositions on your behalf.
We work for you not the insurance companies. We have a team of highly experienced professionals who are here to help adjust your claim.