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Services

Our service offerings cover the spectrum of claims – from pre-loss planning through the final collection from third parties responsible for the loss.

• Disaster Recovery Planning: The best time to handle a disaster is before it strikes a business! Many businesses will unfortunately have an event of loss or damage, but if the event is catastrophic, some will not survive. Maintaining quality business insurance covering assets and income is just a fraction of protecting your business, your employees, your clients and your investment. A business will rapidly suffer unless immediate action is taken to restore operations. Disaster recovery planning enables business leaders to start the action of recovery, while supplies and resources exist, and before the competition consumes anxious customers.
  
  Our services add value beyond typical recovery, and are designed to assure that action is started before a disaster can cripple operations. Many of the expenses incurred restoring operations after damage are lost in the shuffle and confusion, which can overwhelm management and employees alike. At Property Claim Advisory Services, we take steps to guard against the loss of thousands, and possibly hundreds of thousands of dollars, that businesses typically sustain due to ineffective disaster planning and foresight. Our techniques promote the process of recovering all costs from your insurer, and avoid a serving of “eat the bill” from the platter that often comes with a lethal price tag, the cost of someone’s career.
  
  
• Disaster Recovery Execution: While planning is important, execution is everything! Knowledgeable business leaders understand that surviving a catastrophe depends upon their ability to get things done quickly. While employees, who respond beyond expectations to save their jobs and company, may get the business going to serve some customers, inadequate planning, and marginal performance, will ultimately resurface to haunt the business. Insurance claim are often reduced as a result of poor business performance enhanced by these circumstances. Even highly effective leadership will fail to recover tens or hundreds of thousands of dollars unless they have expertise in business interruption or time element insurance. Due to this factor, smart leaders invest in a professional to assist in restoring the business just as they would invest in a building or equipment specialist to rebuild physical plant and equipment. Restoring business operations with efficacy is the most important goal of the company if customers and stakeholders are to be satisfied. Even if Property Claim Advisory Services did not assist in the disaster planning stage, our services can still allow a business to capture and recover costs as long as we are brought in immediately after the disaster.
  
  Our services allow leadership to run the company without the constant chaos and distraction that overwhelms every officer and employee of the company. We work with management to quickly identify the critical path for restoration of operations, interim alternatives, potential for expediting, estimate costs for options and to document decisions and direction for recovery from insurance or other parties. These are performed in conjunction with a full analysis of insurance coverage to know the recovery potential at the onset so issues are known and best practices can be implemented. We manage the business restoration project and report frequently to management on the status and what progress has been made with the insurer or other party, if any.
  
  We are on site as part of the company team to integrate processes, measurements and documentation efforts so that nothing is left to chance. Every critical aspect is linked so that costs and activity are tracked. This allows the expense portion of the business interruption and property damage claims to be tracked along with overall progress of the recovery effort. We continue to calculate loss of business income until the business is fully restored to normal as before the disaster. When our calculation of business income loss is completed, we continue to support the cash recovery effort through sound approaches to business, giving our clients insight on claim adjustment practices.
  
  
• Litigation Support: We prefer to work collaboratively with the insured or the insurance adjuster as a team member, but we recognize that sometimes interests are diverse and we function quite well for our client in a competitive environment. When necessary, we are eager to consult with client’s counsel and assist in developing a comprehensive strategy for a fair and just settlement, provide litigation support or even expert witness testimony. We have specialized experience in claim legal issues and testimony including coverage interpretation, loss measurement validity, regulatory compliance, and bad faith, especially, fulfillment of performance requirements under insurance policies during evolving conditions. This affords counsel the benefit of an anthology of experience and insight to design an approach for an effective result through trial or negotiated settlement. While we do not offer legal advice, we are ready to share what has been learned from numerous legal disputes.
  
  
• Claim Administration: Our services allow risk and claim professionals a host of choices in fulfilling the requirements of the claim function. Whether we are designing an entire claim program or tackling a cluster of execution anomalies, we approach solutions with the client’s desired goal being fulfilled.
  
  Our expertise includes claim administration and has involved various aspects of professional assistance designed to reduce expenses and improve specific results, including creation or improvement of claim operations (with or without a captive or reinsurance framework), efficacy of reserving practices, implementation of account reconciliation processes, technical procedures, management practices, training and development programs, regulatory compliance, performance management processes, third party administrator services (especially, vetting, contracting, program administration and performance evaluation), reinsurance application and all other forms of recovery.
  
  
• Claim Expediting Liaison: This highly specialized collaborative service represents the perfection of customer claim service between parties with the highest integrity and commitment to ethical business dealings. This service combines many of the features of the Disaster Recovery Execution and Claim Administration offerings.
  
  Where long term relationships are valued and promoted, we design and implement Special Claim Handling Procedures for the parties and act as liaison in executing the business recovery and claim recovery processes after a disaster. The focus of this service is to expedite the flow of information and fulfillment of requirements between an insured and its insurer by acting as a link between them. Each party gets their needs met in a timely professional manner while gaining invaluable insights on risk management, exposure analysis, loss control engineering, and relationship enhancement. Service fees are shared by the insured and insurer.
  
  
• Special Projects:
  
  Specialized assistance is available for any claims related project. Our capability ranges widely from assisting clients on individual complex cases to innovation throughout their operations. We understand the implications of insufficient resources and strive to reduce the problems besetting our clients. Please enquire about how we can tailor services for your particular needs.
  
  
• About Pricing: We intend to always remain competitive with other professional services that work on a time and expense basis. In those rare cases where we are asked by our client to function in the role of a Public Adjuster, we believe our superior services ultimately cost far less than those who charge a percentage of the claim. Thus, we expect to always be the better value. Contact us to compare and get the best deal possible.