Client Profiles & Partnerships

Schedule A Claim Review

Private Residential Clients

The Scenario: Fire, Water, or Catastrophic Storm Damage
The Pain Point: You are displaced from your home, and the carrier is pressuring you to accept a "repair" estimate when you know it needs a full reconstruction.
Our Role: When a family is displaced, time is the enemy. We take immediate control of the Additional Living Expense (ALE) coverage to ensure you are housed comfortably while we fight the battle on the structure. We refuse to let the carrier treat a catastrophic loss like a minor renovation. We push for full replacement of compromised systems - framing, electrical, insulation - ensuring the home is rebuilt to current code, not just "patched up."

The Scenario: Complex Damage to Luxury Assets
The Pain Point: The carrier is attempting to value your bespoke property using standard "tract home" pricing software (Xactimate), ignoring the true cost of imported materials and craftsmanship.
Our Role: We specialize in Luxury Valuation. We utilize specialty appraisers and conservationists to value custom millwork, smart-home systems, and architectural details that standard adjusters overlook. We operate with strict discretion, ensuring your privacy is protected while we demand a settlement that restores the property to its exact pre-loss standard - no compromises, no "matches," and no shortcuts.

The Pain Point: In high-turnover businesses, physical damage is only half the problem. The real killer is Business Interruption. Every day your doors are closed is not just lost revenue; it is lost market share to competitors.
Our Role: We treat these claims as financial emergencies. We deploy forensic accountants immediately to model your projected sales and capture "Continuing Expenses" (payroll, rent, utilities) that you still have to pay while closed. We fight for advance payments on the business income coverage to keep your cash flow positive while repairs are underway.

The Pain Point: A loss during construction or at a stabilized asset threatens your NOI and investor returns.
Our Role: We understand that for you, a property loss is a financial transaction. We focus on Business Interruption and Soft Costs (delay in opening, loss of rents, financing interest). We move fast to secure advance payments that keep your cash flow positive while we fight for the full capital expenditure required to restore the asset.

The Pain Point: A loss doesn’t just empty rooms tonight; it cancels bookings for months. Carriers often look at historical occupancy and ignore the "future bookings" on your books.
Our Role: We understand RevPAR (Revenue Per Available Room) and occupancy trends. We ensure your loss is calculated based on the seasonality and projected revenue of your specific market, not just a generic average. We also address "Brand Standards" - ensuring that repairs meet the strict aesthetic requirements of your hotel franchise agreement, which standard adjusters often ignore.

The Pain Point: The carrier is offering a "patch job" on a master policy claim that affects hundreds of units.
Our Role: We act as a fiduciary for the Board. We navigate the friction between the Master Policy and Unit Owner policies, ensuring the Association is not left holding the bag for deductibles or "betterment" costs. We present a unified, board-approved strategy to the carrier that protects the community’s reserve funds.

The Scenario: You have a file that has stalled, or the technical requirements (forensic accounting, industrial hygiene, engineering) exceed your current in-house bandwidth.
Our Role: Think of us as your "Second Chair." We provide "white label" consulting to substantiate complex losses that standard estimating cannot prove. We are often brought in to handle specific high-stakes components - such as the Business Interruption calculations - allowing you to focus on the general building damages and the client relationship.
Key Services: Appraiser of Record, Umpire Services, Co-Adjusting / Large Loss Support.

The Scenario: You are litigating a bad faith denial, but you need more than legal arguments - you need technical facts to survive summary judgment and win at trial.
Our Role: You know the law; we provide the evidence. We translate complex construction codes and policy language into irrefutable data. We act as expert consultants for litigation, reviewing the opposing carrier’s engineering reports to expose flaws in their methodology. We build the "Damages" portion of your case so you can focus on the "Liability."
Key Services: Expert Witness Testimony, File Review & Strategy, Code & Compliance Analysis.