Commercial Resource Center
Working With Adjusters on a Commercial Loss
How facility directors and property managers can work effectively with an insurance adjuster during a commercial property claim.
Direct answer
How facility directors and property managers can work effectively with an insurance adjuster during a commercial property claim.
Executive summary
How facility directors and property managers can work effectively with an insurance adjuster during a commercial property claim.
Key takeaways
- Use written scope, responsibilities, and decision records.
- Verify conditions and dependencies before authorizing work.
- Align construction activity with operations and stakeholders.
- Maintain clear approvals and closeout documentation.
Supporting detail
An adjuster reviews documented damage against the applicable policy to determine coverage; a restoration contractor's role is to document field conditions and propose a construction scope for approval.
Providing the adjuster with organized documentation, a clear point of contact, and reasonable access to the property supports a more efficient review.
Facility teams should keep their own copies of all correspondence and approved scope documents rather than relying solely on the adjuster's or carrier's records.
Coverage interpretation questions should go to the adjuster, carrier, or the facility's insurance broker; a contractor can describe construction conditions but does not determine coverage.
FAQs
- What can a restoration contractor do for an insurance claim?
- A restoration contractor can document observed damage, prepare a construction scope, perform authorized mitigation or rebuild work, and communicate about the work. The carrier determines coverage and claim payment under the policy; contractors do not make coverage decisions.
- Insurance claim vs private pay: how do I choose?
- Insurance claims may apply when damage is covered by your policy. Private pay can be simpler for elective upgrades or non-claim work. Review your policy and discuss options before authorizing construction. The decision is personal and policy-specific. Contractors should not pressure a claim pathway.
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