Restaurant Damages

Joe Patti's

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.

Why Hire an Expert Public Adjuster?

Stone Claims Group Private Adjusters Handle your Restaurant Damage Claim

Ware House Inspection

We Handle The Headache

Insurnce Check

We Maximize Your Settlement

We get paid when you get paid

We Get Paid When You Get Paid

Group Discussion on the Claims

We Have The Policyholder's Interests In Mind

Type Of Restaurant Damages We Cover

Cast Iron PipesDAMAGE

Collapse & SinkholeDAMAGE

EarthquakeDAMAGE

HailDAMAGE

FireDAMAGE

HurricaneDAMAGE

LightningDAMAGE

Theft & VandalismDAMAGE

WaterDAMAGE

WindDAMAGE

Get the Best Settlement for Your Restaurant Damage Claim

Don't Leave any Money on the Table

Agreement
Review On Inspection
Coins

Bring us your claim

Complete a Thorough Inspection & Claims Package

Settle at a Higher Rate

Restaurants We Have Helped

Please take a moment to review some of our results, and some of the many clients we have helped throughout the years

Areas We 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

john-smith

“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

Carolyn Jordan

“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

Restaurant Damage FAQS

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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What Should I Expect With the Stone Claims Group Representation Process?

Expect: professionalism, personal attention, expertise, and the best possible outcome.

No two claims follow the same path. Part of the expertise of Stone Claims is knowing how to control and direct the claim to the best conclusion. Claims can include building damage, personal property damage, and business interruption. Regular conferences are held with you in person, by zoom, or by telephone. All claims are thoroughly documented, archived, and reviewed with you before submitting to the insurance company. A typical claim scenario flow:

  • Initial contact.
  • Contract.
  • Investigation.
  • Documentation of your loss.
  • Meeting with your Carrier Adjuster, Carrier experts.
  • Negotiations with additional experts if and as needed.
  • Client review of all claim documentation and values submission.
  • Submission to Carrier for settlement for repair costs as agreed.
  • Negotiating the best settlement.

Decisions involving thousands and sometimes millions of dollars must be made and often made quickly with little margin for error. You must decide early on whether this process is to be undertaken by the policyholder/board of directors, risk manager, or whether the expertise of a Public Adjuster should be brought in. Time and again, it has been demonstrated that when dealing in an unfamiliar area, the result can be a loss of invaluable time and money.

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How Does the Public Adjuster Get Paid?

Public adjusters work exclusively for the best interest of the policyholder – not the insurance company. For this reason, we only get paid if you get paid, and the fees for services are generally a small percentage of the insurance settlement.

Most of our past clients have seen such significant success with the increased settlements that the fee becomes inconsequential.

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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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