Claim Types

Claims Overview

Have you recently experienced damage to your commercial property or business? Do you need help appealing a denied or underpaid claim? Our expert public adjusters are one call away!

What Type of Claim Do You Have?

In order for us to help you reach a fair and honest settlement, our Guardians need to know what kind of claim you are dealing with. Here are the most common types of claims we handle for policyholders.

Water Damage

A water disaster is usually caused by pipe bursts, leaky appliances, or a roofing issue. After disaster strikes, other serious issues, like mold build-up, can create even more problems. Unfortunately, when it comes to water damage, not all insurance coverage is created equal. Some policies cover one issue while they exclude another. Our expert public adjusters our experts at scouring complicated policies to create the strongest case possible for your water damage claim.

Pipe Burst

A very common claim is water damage caused by pipe burst. Pipe bursts may occur suddenly and without notice, especially in aging properties with outdated infrastructure. This tragedy takes place when pressurized plumbing lines fracture, causing water to seep into your walls, kitchen, bathroom, below floor slabs, and even on your furniture and personal electronics. Sadly, some insurance carriers attempt to pay as little as possible for pipe burst claims. Our Guardians know how to cut through runaround insurance processes to win you a fair settlement.

Flood Damage

Flood damage should not be confused with typical water damage. Since the introduction of the National Flood Insurance Program (NFIP) in 1968, most flood matters are ONLY covered by private insurance companies, NOT by your standard property insurance plan. This makes filing flood claims complicated, especially since the NFIP definition of what constitutes a “flood” holds possible loopholes that insurance carriers may try to exploit. Our expert policy analyzers are here to help prove your loss and support your claim.

Hail Damage

Policyholders are often surprised by the amount of damage hail can cause to their property. Solid balls of ice hurled down thousands of feet can easily rip through screen enclosures, break windows, dent gutters, and mess up air conditioning units. They can also damage roofs, causing water leaks and mold formation. After a hailstorm, we suggest you contact one of our public adjusters to assess the damage and establish a formal report in case you need to file a hail damage claim.

Fire Damage

Nothing is more devastating to a commercial property than a fire. Fire losses can literally cause your business to go up in smoke. While flames may burn up personal items and the property itself, smoke will seep into the walls of your structure and can have long-term effects on your health. Even at the slightest threat of fire in your building, you should call 911. An official report of the fire is the key to an honest claim and a fair settlement. Our Guardians will also step in to relieve you from the stress of the claim so you can focus on what matters most – recovery.

Marine Damage

Marine damage claims cover a vast number of categories, including hull damage, watercraft grounding, explosions and fires, burglary and vandalism, electrical damage, storm damage, and more. With so many types of policies and coverage, it can be difficult for policyholders to deal with marine claims on their own. Our team will oversee your claim and ensure you never get confused or misled by complicated policy language or insurance processes.

Cybertheft

As our modern world becomes more and more dependent on digital assets, we unfortunately become a greater target for cybertheft. Cyber crime can have devastating effects on businesses and individuals alike. Illegal activity associated with network attacks, phishing, browser hijacking, and computer hacking can put private information into the wrong hands. If you have experienced losses due to cybertheft, our public adjusters are here to stand behind your claim.

Denied claims and supplements

Your insurance policy is supposed to make you feel safe in case disaster strikes. Sadly, insurance carriers frequently deny claims, sometimes with little to no reasoning behind the denial. This causes policyholders to undergo intense stress and anxiety. If you filed an honest claim and were rejected by your insurer, our Guardians will help you appeal it. We know all of the nuances in the paperwork and investigative processes to build a strong case for your situation. We will do everything in our power to get you the approval status you deserve.

Why Should You Partner With A Public Adjuster?

At Guardian Claims USA, we help policyholders like you recover from big losses. When it comes to commercial property and business damage or loss, it can be a nightmare to go through the insurance process by yourself.

In fact, if you file a claim WITHOUT the watchful eye of a public adjuster on your side, you might get short-changed into an unfair settlement… or worse, a denied claim!

That’s why our highly-skilled team of public adjusters go above and beyond to help you maximize your recovery, even BEFORE you file a claim. We know what to look out for so you never get short-changed by insurance carriers.

In the case you already filed a claim, we also know how to prepare and present a strong case to appeal a denied or underpaid claim.

Ready to Settle a New, Denied, or Underpaid Claim

Our Guardians are licensed in 9 states and territories, including the U.S. Virgin Islands. We are ready to provide nationwide service. Call us today at (561) 441-8505 or click the button below to start a claim.

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