What happens after a large loss to a commercial property? Typically the insurance carrier sends out an adjuster and provides the insured with a scope of loss document (the "Scope"). The Scope includes all items the carrier believes will be necessary to restore the property to its pre-loss condition. Not surprisingly, initial Scopes are often underwritten, forcing the insured to find cheap contractors who use inferior materials and unlicensed laborers just to avoid the burden of out-of-pocket expenses. Complex claims present even more challenges, including Scope gaps that may not be recognized for months or the myriad items that policyholders don't know were actually performed by the restoration contractors. Many quality restoration contractors can help with these types of issues, but just as many who claim to be experts fall short of their alleged expertise.
JRS employs public adjusters to write full and complete Scopes at the beginning of restoration projects. These public adjusters coordinate with the carriers, obtain approvals, and submit claim documents related to the work at issue. Unlike typical public adjusting firms, JRS also reviews all contractor pay applications, ensuring that payments are only made for those items actually completed.
If and when a carrier refuses to pay the full and fair value of the loss, typical public adjusting firms are impotent to do anything about it. Most will farm out litigation to separate law firms, which require the insureds to execute separate engagement letters and pay attorneys separate fees. This arrangement rarely makes it viable to litigate anything but large loss claims when using a public adjuster - there are simply too many hands in the cookie jar. But JRS employs its own in-house attorneys who can litigate coverage claims all the way through trial, making us the one-stop shop for all your claims management needs.
Public adjusters write full and complete scopes of loss
Ensure contractors are only being paid for completed items
JRS attorneys can litigate claims when necessary
Our staff ensures you are indemnified to the full extent of your policy
From initial claim to litigation, we handle it all for restoration contractors, property managers, commercial property owners, HOAs, and other stakeholders.
We understand that managing insurance claims can be time-consuming, frustrating, and confusing. That's why we're revolutionizing the process with our full-service claim management solutions, designed to work with you from start to finish. Unlike other public adjusting firms, we can handle claims all the way through litigation if necessary, giving you peace of mind every step of the way. Here are a number of reasons why we are the best choice as your claims management partner:
We are contractors, attorneys, adjusters, and tradesmen all under one roof. Gone are the days of dealing with adjusters who don't actually understand the construction process. Gone are the days of dealing with those who don't actually understand the law and how some policy exclusions or provisions may be disregarded as a matter of public policy. And gone are the days of dealing with people who don't understand all aspects of your business. Here are some of the reasons why we are different:
When disaster strikes, JRS brings calm after the chaos by timely planning and implementing a mitigation plan, managing the claims process, and restoring your property to its pre-loss condition.