Nonprofit Property Damage Claims
When a nonprofit organization suffers major property damage from a disaster, it could result in stalled operations and loss of donations, employees, and volunteers, setting the entire venture backward. This is a time to focus on getting organized and back up and running instead of worrying about how to handle the insurance claim. Our team of licensed public adjusters will take care of the claim for you. We evaluate and document not only the physical damage to your property, but also losses incurred from stalled operations.
Audubon Canyon Ranch suffered a catastrophic loss as a result of wildfire. This was a rapid and painful loss of the sites’ most essential buildings including all offices, staff residences, utility/maintenance facilities, and our beloved nature center. What added insult to injury was the amount of money our insurance carrier offered in payment for the value of the lost buildings. It was our organization’s very good fortune to hear about The Greenspan Co./Adjusters International and the excellent work you all do. After eleven months of dedicated collaboration with Greenspan’s extremely competent employees, we are over the moon to be receiving a settlement that increases our payout by almost a million dollars. On behalf of Audubon Canyon Ranch, I wish to offer my deepest gratitude to your team. Their dedicated efforts on our behalf made the impossible possible.
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You just suffered serious damage to your nonprofit organization and are wondering what to do next.
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You call your insurance company and wait for an adjuster to come out, hoping they will have your best interests at heart.
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You move from the asset side of your insurance company's ledger to the liability side.
We Can Help
Knowing everything you possibly can about the "fine print" of your insurance policy before you have any substantive dialogue with your insurer is an absolute necessity. Know what you are covered for and how to claim it. What you say to your insurance company's adjuster and how you say it can make a dramatic difference in how much you get paid. The more you know, the better the results.
Nonprofit Factors to Consider
Be sure to understand each of the following factors before engaging with the insurance company. Knowledge is the key to a successful claim outcome.
- What is my broker's/agent’s role?
- Does the adjuster work for us or the insurance company? Why they can't work for both. It's a conflict.
- Can I compensate employees who help with cleaning or restoration?
- How quickly can we get started rebuilding?
- How does the event affect volunteers?
- How does the event affect donations?
- How to quantify long-term effects of less effective community outreach?
- Is the insurance company using an independent building or equipment consultant to prepare a bid? Who are these consultants? Who are they working for? Do they only work for insurance companies?
- Continuing services to the congregation or the communities serviced. Best practices to continue.
- Does the insurance company pay for professionals necessary to evaluate our claim? Are they working for us or them?
- Is there coinsurance in my policy? What does it mean?
- How does our policy address increased costs due to new codes? If our coverage is limited, what can we do about it?
- Will the insurance company pay for a construction manager?
- Utilizing extra expense coverage to secure "E-Space" for classrooms off-campus.
- Can I compensate employees or volunteers who help with cleaning or restoration?
Nonprofit References
In addition to the 5,000+ references on our list, here are some well-known names in the non-profit industry we have helped.
- American Legion Santa Ana Post 131
- Ashby Community Partners
- Berkeley Youth Alternatives
- The Brandeis Bardin Institute
- California Professional Firefighters
- The CED Construction Companies Seeds Of Peace Camp
- Children's Hospital of Orange County (CHOC)
- Coachella Valley Rescue Mission
- Conard House
- Congretation Beth David
- Escondido Humane Society
- Evergreen Land Trust
- Fresno - Madera Agency on Aging
- Friends of Lubavitch of Florida
- Germania-Verein
- Harbor Branch Oceanographic Institution
- Historic Core
- Jewish Community Center of Puerto Rico and Share Zedek Synagogue
- Miami Beach Chamber of Commerce
- National Health Law Program
- National Lumber & Building Materials Dealers Association (NLBMDA)
- Old Cowtown Museum
- Omak Elks Lodge #1742
- Pacific Community Services, Inc.
- Patten College
- San Diego Council of Camp Fire
- San Jose Foothill / Family Community Clinic
- United Automobile Workers Union
- Volunteers of America
- The Washington Ballet
- Westside Jewish Community Center
- YMCA of Metropolitan Chicago - We're Family
The Difference Public Adjusters Make
We work exclusively for YOU, not the insurance company. Our insurance professionals have managed and negotiated thousands of claims for nearly every type of natural and man-made disaster. Local in our approach, we have over forty offices across the U.S. and Canada, and an unmatched network of expert resources to efficiently mobilize and be at your side.