COMMERCIAL CLAIMS
As a business owner, you must be focused on one thing – running YOUR business. When a property loss occurs, the demands of an insurance claim can quickly pull attention away from effectively realigning operations, servicing ongoing customers, and maximizing revenue. 3D removes that burden by doing the one thing we are focused on – running OUR business. This means managing the claim process on your behalf and allowing you to stay focused on your next steps, such as managing your team, your clients, and keeping your business moving forward.
Hiring 3D means you do not have to trailblaze the path forward through this process, rather,
simply follow our lead.
We work behind the scenes to secure the settlement you’re entitled to—efficiently and accurately, while minimizing distraction. Some of those services include*:
This includes photo reports, digital 3D twin of the property, 3D drone mapping, and moisture/thermal readings when applicable.
An in-depth review of your policy and related documents to ensure applicable coverages are sought. From form CPP policies, to BOPs, to full manuscript policy, we’ve seen it “all”.
Our in-house estimating team writes estimates in industry preferred software for efficient claim handling, supplemented with bids and quotes when necessary to negotiate a fair settlement.
Our team works with you and a forensic accounting team to recreate and substantiate your covered business income and extra expense losses, allowing you to mitigate financial loss and get back to your primary business function. This may also mean assisting with temporarily relocating the business or other means to get you up and running.
Our in-house personal property team coordinates the itemization of identifiable damaged items and works with you to recreate unidentifiable items lost. Collecting documentation and research are performed to price these items for submission.
Policies are not commodities. If your policy provides additional property coverages, we will provide damage estimates for those coverages as well.
Our team coordinates attendance of onsite meetings and assists with the coordination of necessary vendors for your project. Initial walk-throughs to set claim reserves and expectations is one of the most important aspects of a claim to have our team involved.
Following submission of our initial reports and review of the carrier’s corresponding reports, our office conducts comparisons of the differences, communicates them to you, and pursues the justifiable differences in the estimate to ensure you are receiving a fair settlement offer based on your available coverages in the policy. Ensuring our initial submissions are expertly crafted, based on facts, and fully supportable, adds the most value to your claim for the negotiation phase. Public Adjusters and Attorneys are typically the only licensed professionals able to negotiate the claim on your behalf.
Our team is the communication hub and document center for your claim. We maintain a file, efficiently communicate updates, manage insurance proceeds, and provide guidance and consult to the ultimate decision maker, you.
