The Commercial Contents Problem

There is virtually no standardization within the commercial contents adjusting field.

Insurance carriers cover approximately $10 Billion annually in US commercial contents claims. Studies estimate that carriers over-pay these claims by 20 – 30% due to process gaps. This equates to billions of dollars in annual leakage, settlement delays and frustrated customers.

Commercial contents claims cover a wide range of products and often involve specialized or technical equipment. It is not reasonable to expect any single adjuster to have the requisite background and experience to determine:

  • What is the appropriate like kind and quality replacement equipment for a four-year-old company wide IT system consisting of 200 separate components (servers, switches, routers, computers, printers, etc.).
  • The current replacement value for specialty tools at a manufacturing company destroyed by a flood.
  • Actual cash value for dental equipment damaged by a tornado.
  • Whom to call for advice on fair replacement value for commercial kitchen equipment, furnishings and inventory damaged/lost in a restaurant fire.

Adjusters are invariably pressed for time. They often times rely on the insured party to provide them with an inventory of lost/damaged items and valuation information—-not the ideal situation! This process can result in settlement delays and valuation controversy.


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Commercial Property FF&E Claim Handling

  • 60 West Terra Cotta Ave, Suite #125 Crystal Lake, IL. 60014
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