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Government Insurance Claims

Understanding State & Local Government Property Damage Claims

State and local governments including school boards, marine ports and other publicly owned facilities are increasingly turning to professional public adjusters for assistance in adjusting large losses resulting from catastrophic events. The sheer size of these properties as well as the complex structure of the insurance coverage requires professional public adjusting assistance.

Based on our experience, the one thing we see that could be improved is quicker discussion and decision making on the part of elected officials or boards to involve a professional public adjuster early in the adjusting process. Often the council or board will want to wait and see what the insurance company will pay and if not satisfied then seek professional help.

Valuable time is lost by not allowing a professional adjuster to start the investigative process. This also creates lost productivity of in-house staff dealing with the loss when their talent and time could be utilized restoring operations rather than attempting to adjust a claim for which they have little or no experience. Oftentimes matters are made worse due to a failure to provide correct information based on the facts of a loss and within the provisions of the insurance policy.

Some state and government agencies that have experienced large losses have entered into pre-loss service contracts to insure that a professional public adjusting firm is available and ready to go before the loss.



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