Building Damage

Building damage can range from minor accidents to rather extensive damage.  It can be quite a headache to deal with and  prevent further damage, maintain business processes, and claim recovery for your loss if you are not familiar with all these elements or even how to document your damage for insurance once it has occurred.  There can be many forms to assess building damage required.  Also required by your insurance and most law enforcement agencies are pictures of building damage due to whatever may be the cause.  There are building damage assessment tools that can help you better document damages to the building.   However, in emergency situations, emergency management and control is crucial.  Where and how are some of the common ways building damage can happen? It can come during construction work, renovations, general maintenance, natural disasters or through accidents.   Not uncommon are instances where a gas main explosion outside your building can cause major damage to your office. In minor incidents of damage the building may need to be inspected by engineers/maintenance employees to  make sure that it is safe to return to or continue working in or around the damage that has been sustained.

In urgent situations where damage is extensive and emergency care is required you first want to make sure of potential hazards that could extend the depth of damages such as the occurrence of major earthquakes, massive collisions, etc.  In such events you will want to make sure that the electricity, gas, and water is turned off.   Check for gas and/or fuel leaks. You will want to also and most importantly check for any injuries that have been sustained by you or your office staff, and tend to them.  Apply first aid measures immediately as needed, and be sure not to move seriously injured persons unless there is an immediate danger.  Have someone check for broken pipes, water sewage, etc.   You will want to check for cracks, building damage both to exterior and interior structures.  In the event of strong earthquakes you will want to prepare for aftershocks and be sure to stay calm.

Once you have made sure of the obvious you will want to recover from your loss.  Check your insurance policy and if you need help we are here for you.  We will help coordinate restoration services, adjuster visits, and more.  Amidst all the problems you may be going through during an occurrence of building damage, it can be quite disheartening to know that dealing with your insurance company could turn into additional headache.  We alleviate that by acting on your behalf .  We file claims and offer the second opinion you need and get your claim approved with the highest payout possible.   Read here to see whats involved in filing a claim and why you need a public adjuster.

You may contact us on this page via our Contact form or directly at 800-602-9915

Business Vandalism

Did you know that graffiti is the most common type of property vandalism? Other types of vandalism include breaking windows, removing /defacing signage, as well as trash dumping from receptacles.

No doubt financial loss can occur from these acts of vandalism.  Vandalism is impossible to prevent, however  there are measures that businesses, schools and other organizations can take to help prevent this type of demoralization.

If you can understand when and where vandals typically strike then your strategy on prevention will be that much better.   Vandals usually strike during  late evening hours when it is dark and there is little or no surveillance around the property.   Like other crimes, if your  building has been vandalized once, chances are it will be vandalized again, if not repeatedly.

Here are some easy steps to follow towards prevention and minimizing occurrences of vandalism:

  • At end of the day, walk-through of the building to ensure everyone has left.
  • Lock all doors, windows and gates surrounding the property when leaving the building .  If a lock is broken, repair it immediately.
  • Install tamper-resistant hardware around doors and windows.
  • Have perimeter lighting around buildings installed.  Conserve electricity by placing lights on motion sensors.
  • Ensure that exterior lighting is in good working order, replacing burnt-out bulbs immediately.
  • Cut back dense trees and bushes next to the building. Remove tree branches below 7’ from trees adjacent to the building and keep shrubbery trimmed below 4’ to eliminate hiding places.
  • Make sure windows are visible from the street.
  • Keep a log of people entering and exiting the facilities.
  • Do not tag keys with the address of the building or any other identification that would be evident to an outsider.
  • Change or re-key locks once a key has been lost.

If you have sustained damages contact our offices immediately 800-602-9915

Commercial Property Damage Around The World

Property damage has recently become a constant topic not just regionally, but globally.  No doubt you have either heard, read, or someone has been talking about the  massive earthquake that struck Darfield, New Zealand about 6 months ago on September 4, 2010.  The earthquake registered at a 7.1 magnitude.  Fortunately, there were not many houses that were not built with reinforced construction, so many fatalities were avoided due this precautionary measure.  Aftershocks continued for weeks on with the more notable and most recent 6.3 earthquake to that area which caused much damage to Christchurch, New Zealand.  They were not as fortunate as Darfield and did result in more fatalities and more property damage with several buildings that totally collapsed last month on February 22.  The structural damage caused is estimated from about $1.5 Billion to $2.5 Billion, U.S..  Not much later  (only 5 days later to be exact) Chile then had an earthquake that registerered at 8.8 on the Richter scale which is one of the strongest ever recorded in history before Japan’s quake.  That quake in Chile also triggered a Tsunami.  Then, on March 11 , Japan is hit with an 8.9 magnitude which is the the world’s fifth-largest since 1900 and the biggest in Japan in 140 years, also triggering a Tsunami extending to  the Pacific Ocean which extended to Hawaii bringing the Tsunami not only there but also to the West Coast which turned into high waves by the time it got to California’s coast lines.  This quake was so powerful that it  actually moved Asia several inches closer to the United States and much of Asia’s fish were swept to Mexico’s shores and fishing streams, which is  huge to say the least.

Now, while these events are all worrisome and devastating the question has come up…who’s paying for all of this? If you are a Californian you have no doubt had concerns about the likelihood of a quake coming to California as well.  If you have not obtained property earthquake insurance and the important riders necessary for aspects of damage your main policy may not cover, it is very important that you do so now.   The New Zealand risk management group, Risk Management Solutions (RMS)  said the estimate above does “cover damage to property – residential (including the losses covered by the Earthquake Commission and excess), commercial and industrial – as well as contents and motor. Fortunately New Zealand has stable companies in place to help cover the millions and billions needed for repair, but they cannot cover it all.  The Earthquake Commission is covering the residential portions.  However,  RMS’ estimate does not include losses resulting from damage to infrastructure and public buildings or to uninsured property which will obviously pose another problem.  Private business will also suffer greatly, no doubt.

Priority Adjusters is a fast growing public adjusting firm that deals in all types of commercial property damage, industrial damages, water flood damages and more.  Call or fill out the contact form to schedule an appointment with one of the best Public Adjusters in California.  Consultations are always free. Priority Adjusters fights for you to get you the settlement payment you deserve when damages occur.