As public adjusters in Boca Raton, we work with both commercial and residential policyholders to help them receive the right claim settlements for their property damage. This means filing an insurance claim after damage has occurred, but we also provide a service where we document the condition of your property before damage occurs.
Insurance companies ask commercial property owners for all kinds of information once a claim has been filed. Given the fact that it can be difficult or sometimes impossible to get this information, pre-loss inspections can be vital for getting your claim approved when the insurance company asserts the damage is pre-existing to the loss date or that the damage has been going on over a period of time.
What Is a Pre-Loss Inspection?
A pre-loss inspection is designed to provide you with a photo report and/or videos showcasing the current condition of your property. The methods we use for taking this documentation will vary depending on your needs.
In most cases, we take extensive photos of the interior and exterior of your property together with a drone video of your roof. In other cases, a drone video of just the exterior of the property and roof, or just interior photos of the property is sufficient. Either way, if you ever need to file an insurance claim, the goal is to prove there is no pre-existing damage to your property.
In Florida, pre-loss inspections are especially common before hurricanes or other catastrophic events such as fire, lightning strikes or hail damage. That said, pre-loss inspections can be useful any time you are concerned about having the documentation you will need to file a claim with your insurance company.
Here are just some of the insurance claims where a pre-loss inspection report can help you:
What is the Difference Between a Commercial and Residential Pre-Loss Inspection?
There are some areas of overlap between residential and commercial pre-loss inspections. For instance, both commercial and residential policyholders will want documentation regarding the current condition of your property.
However, we also keep in mind the different kinds of claims a building owner and homeowner might have and have different pre-loss inspection packages.
Why Business Owners Choose Reliant Insurance Adjusters for Pre-Loss Inspections
When hiring a public adjuster for a pre-loss inspection, you want to look for knowledge and experience. An experienced public adjuster in Boca Raton will be able to anticipate problems before they occur or catch something you may not see. This will allow you to protect your property by repairing it timely. We also know what to look for and how to properly document your claim to avoid a claim denial.
In some cases, this can mean letting you know about aspects of your property that are not covered in your policy. We discussed this in our recent blog about EIFS exclusion. While inspecting your property, we will also be able to provide examples specific to your property should they exist.
Along with that, it is also useful to find someone with skills that can help during the information gathering process. My business partner, Scott Scovin, is a licensed drone pilot. By working with a drone pilot who understands insurance, you can rest easy knowing that all the information needed will be gathered.
Are You Looking for a Public Adjuster in Boca Raton?
You have come to the right place. At Reliant Insurance Adjusters, we have decades of experience helping commercial and residential property owners understand their policies and file claims with their insurance company.
Whether you are currently in the process of filing your claim or you have been underpaid or denied for your claim, we can help. Are you prepared in the event of a hurricane or other catastrophic event such as fire? Either way, please do not hesitate to contact us. We are always happy to help property owners navigate the complicated world of insurance.
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