The services we provide include:

  • In depth analysis of your insurance policy and other related documents addressing all possible applications of coverages and limits of liability to maximize your recovery.
     
  • Immediate interfacing with you and your insurance agent. Assist in decision making as to (i) help evaluate any alternatives to reconstruction; (ii) consider any means to mitigate the loss impact upon operations during restoration;  and (iii) efficient handling of continuing and extra expenses, if such coverages exist, to facilitate a full recovery .
     
  • Immediate interfacing with adjusters from your insurance company, which contact would continue throughout the claim process.
     
  • Site inspections by our construction and adjusting personnel to prepare building replacement estimates, perform engineering surveys, if necessary, review as-built architectural plans, if available, take photographs, etc., all of which would be accumulated and preserved in evidence of the loss. Other personnel such as accountants and inventory takers would also be furnished as appropriate.
     
  • Prepare preliminary estimates of the loss (building, contents, business interruption, etc.) to assist the insurance company in their establishing a reasonable initial reserve for the loss and for your forecasting purposes.
     
  • Secure advance monies from the insurance company to permit restoration to commence as soon as possible and cover continuing expenses, if applicable.
     
  • Prepare a detailed and well supported claim submission, which will be reviewed with you prior to its submission. 
     
  • Arrange and attend all meetings with your insurance company to negotiate the settlement of the claim.
     
  • A project management approach is followed in our loss consulting engagements, which dictates periodic progress reports to you.
     
  • Stay alert for any potential subrogation recoveries which can be of significance in the event of uninsured losses.  Subrogation recovery is a third party action against any potentially responsible party. This nuance can provide a tremendous leverage in the negotiations of the first party claim settlement with the insurance carrier.

 Smith Orloff & Associates
Professional International Insurance Loss Adjusters
800-811-4008 or 610-526-2213