Why Hire an Expert Public Adjuster?

Stone Claims Group Adjusters Handle All Commercial Building Claims

Condominium Associations

Condominium Associations

When dealing with a complex property loss, complying with statutory guidelines, the dynamics of working with a board of directors, and membership politics, this is a very specialized type of adjusting. We have helped condominiums and townhomes recover hundreds of millions of dollars in property losses, some of whom did not even know they had a claim to start with. 

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Multi Family Buildings

Multi Family Buildings

Multi-Family Buildings- When dealing with corporate or private ownership, Stone Claims Group understands that intricate loan structures often dictate claim practices and operational guidelines.  Trusted by Risk Managers nationwide due to our macro understanding in adjusting losses for hotels, apartments, senior living, and treatment centers.

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Restaurants

Restaurants

Restaurant Claims involve build-outs, business interruption, and refrigerator product loss.   We work with our entrepreneurs to provide Michelin Star service through the claims process to get you back doing the same to your diners.

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High-Rises

High-Rises

No matter the type of business, high rise buildings have their own complexities. The building construction, interworking systems, and propensity for damages are unique and only experienced by tall structures. Our team knows how to properly inspect and adjust for potential unseen damages to high-rise and mid-rise buildings.  

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Warehouses

Warehouses

Warehouses- Large Warehouse spaces are impacted by pressure deviations from storms differently than other types of buildings. Our expertise in flat roof systems investigations, combined with our understanding of business interruption coverages available, is crucial to a maximum claim recovery. 

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Retail

Retail

Shopping malls, theaters, and office buildings are unique in dealing with multiple tenant leases. The way these leases are written impacts claims coverages under your policy. Stone Claims Group works with you and your tenants to keep occupancy while navigating your claim to recovery. 

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Public Buildings

Public Buildings

Public Buildings – As a Woman-Owned Business, we understand the intricacies of self and group insurance, different statutory guidelines for publicly owned buildings, and the complexity of insurance claims for cities, churches, schools, universities, libraries, hospitals, post offices, and prisons.

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Types of Commercial Building Damages We Cover

WaterDAMAGE

HurricaneDAMAGE

HailDAMAGE

FireDAMAGE

Cast Iron PipesDAMAGE

LightningDAMAGE

WindDAMAGE

Collapse & SinkholeDAMAGE

EarthquakeDAMAGE

Theft & VandalismDAMAGE

Our Licensed Public Adjusters Make it Easy For You

We Help Get the Fair Value for Your Loss

Bring us your claim

Complete a Thorough Inspection & Claims Package

Settle at a Higher Rate

Commercial Buildings We have Helped

Coral Reef was offered 910K, Stone Claims Group Settled their Claim for 6.5 Million

Carrier offer included only a roof repair. Stone Claims Group’s negotiated settlement included roofs, doors, windows, stucco, and paint.

Areas Our Expert Public Adjusters Serve

Licensed and Trusted in 18 states

Florida

112

Hail events

696

Wind events

370

Hurricane & flooding events

57

Tornado events

77

Lightning events

*Source for each damage type comes from NOAA. Year of damage types vary from 2015 - 2020.

What Our Clients Are Saying

Unmatched Expertise at Stone Claims Group

“I just want to thank you for all you did for owners at Top of the Gulf. As you must have known I was one of the biggest skeptics. Thank you for changing my mind. I admire the way you never let up and continued to come by and tell us why we needed your company. Thank you again for persistence, we would have been in poor shape if everyone was like me.”

C. Jordan Board Member

Florida Panhandle

“Dealing with Stone Claims Group was one of the most rewarding experiences I’ve had as a board member. Not only did they deliver monetarily in a huge volume for our association, but they also brought an unmatched expertise and professionalism.”

R. Holland, BOD President

Jacksonville, FL

Common Questions About Commercial Property Claims

What is a Public Adjuster?

A Public Adjuster is a professional claim advocate representing the policyholder in negotiation and appraising your insurance claim. 

A Public Adjuster is a professional claim advocate representing the policyholder in negotiation and appraising your insurance claim. A licensed public adjuster or an attorney are the only two types of individuals representing policyholders for a property damage claim. A public adjuster must meet strict educational, background, and ethical criteria required by the state government to work as a public adjuster.

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How is Your Damage Estimate Prepared?

After a thorough inspection, possibly several inspections with contractors and experts as necessary, Stone Claims completes a comprehensive estimate in the software used by your insurance carrier for compatibility and clarity.

The estimate details each damaged item. Each item’s repair cost – area by area, reflects the real total repair costs, and this estimate, must conform to the coverages provided in your policy language. Our estimates will include repair costs and additional required items such as OSHA regulations, any law or ordinance issues, and increased costs of construction, to name just a few.

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Why Do You Specialize in Commercial Losses?

Stone Claims Group is best suited for the complexity of commercial property insurance losses.

Commercial property claims are complicated, so insurance companies send out their most experienced adjusters to handle them. It is only fair to have an experienced public adjuster handling your claim, to level the playing field. We apply a team effort to every phase: investigation, estimating, negotiation to arrive at the final settlement.

 

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When Should I Call a Public Adjuster?

You should call us at  1-800-892-1116 immediately after a loss. It is most beneficial for all parties when Stone Claims Group is involved at the beginning of the claim development to set the tone for the entire claim & settlement process.

Typically a carrier property insurance adjuster will investigate and evaluate your claim quickly after the claim is established, it’s usually with the intention of settling quickly, saving claim dollars, and moving on to the next insured. It is important to let the insurance company know the estimated amount of the loss at the beginning of the claim to properly set the reserve funds. Once an insurance company adjuster sets his or her reserve amount it is much harder to get them to change their minds and add to the amount.

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What Are the Benefits of Hiring a Public Adjusting Firm?

A few of the benefits of hiring a Public Adjusting firm include helping a policyholder understand and interpret their policy, resolve the claim faster, ensure fair value for the claim, and protect the policyholder’s rights.

A few of the benefits of hiring a Public Adjusting firm include helping a policyholder understand and interpret their policy, resolve the claim faster, ensure fair value for the claim, and protect the policyholder’s rights. It is not the job, duty, or responsibility of your insurance company to discover the full extent of your loss. That responsibility is the policyholders’. A good public adjuster is essential to determine the fair repair amount of the loss.

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