Commercial Claims in California

Significant damage has occurred to your business. You’re not sure of your next steps. You ask yourself, is the insurance going to cover my loss? If so, what is covered and what is not covered? You are stuck on what to do until you get direction. You find your policy, wait for a representative from that insurance company to come and inspect your damages, and make commercial claims in California. You’re done, right?

No, it would help if you had someone to represent your side and give the answers not dictated to you by the insurance company’s management. Understand that you have moved from the insurance company’s income side to the expense side of their business, and they are always looking to minimize their expenses.

Conflict of Interests

The insurance company cannot fairly represent you and themselves in insurance claims. Even though they may be very nice over the phone or in person, the claim adjuster does not answer you. He/She answers to the insurance company. They will look to see what they think they are liable to pay. THAT IS A GREY AREA, which, if you are not represented, could cause you to miss out on what you deserve.

Public Insurance Adjusters

Public Adjusters represent you as your loss consultants for the claim.
They will:

• Review the policy for additional coverages.
• Inspect the damages, looking for more that you might not know about.
• Prepare the documents that will best represent your claim.
• Negotiate the claim settlement on your behalf.

Good Business Decision

You have poured time, energy, and money into your business. You have protected your company with an insurance policy.

In most cases, a loss will happen to a business once, maybe twice, in an owner’s lifetime. Insurance claims could amount to a large sum.

You need Claim Ally to represent you so you can afford all coverages and reach a fair settlement.