Large Loss Claims
Six- and seven-figure claims demand a different level of expertise.
Catastrophic and complex losses aren't handled the same way as everyday claims. They involve forensic accounting, engineering reports, code upgrades and business-interruption calculations — and the insurer will deploy its most experienced team to control the outcome.
Our large-loss adjusters and certified appraisers bring 20+ years of experience to commercial, industrial and high-value residential claims, building the documentation and expert support needed to recover what these losses truly cost.
Large-loss expertise
- Commercial & industrial property
- Business interruption & extra expense
- Code-upgrade / ordinance-or-law recovery
- Forensic accounting coordination
- Expert engineering & estimating
- Appraisal & umpire representation
Why work with a public adjuster
Insurance companies staff their claims with experienced adjusters, engineers and attorneys — all working to limit what they pay. A public adjuster is the only licensed professional who represents you instead. We interpret your policy, document the full scope of loss, and negotiate on your behalf so nothing is left on the table.
Our process
Free inspection & policy review
We assess the damage and review your coverage at no cost or obligation.
Detailed documentation
We build a defensible, line-item estimate capturing every element of your loss.
Negotiation & appraisal
We handle all insurer communication and push for a fair, complete settlement.
Recovery
You collect what you're owed — and we're paid only from that recovery.
Frequently asked questions
What qualifies as a large loss?
There's no fixed dollar line, but large losses typically involve six- and seven-figure damage: major structural harm, extended business interruption, code-upgrade requirements, or multiple buildings. What sets them apart is complexity — they demand engineering, forensic accounting and specialist documentation.
Why does a large-loss claim need forensic accounting?
Because the biggest numbers often aren't the bricks — they're lost income, extra expense and continuing costs during restoration. Insurers scrutinize these line by line, and a defensible business-interruption calculation requires financial records analyzed the way carriers' own experts analyze them.
What does it cost?
Nothing up front. We work on a contingency basis — we don't get paid unless you do. Your free evaluation carries no cost or obligation.
My claim was already denied or underpaid. Can you still help?
Yes. A large share of the claims we take on were previously denied or underpaid. We frequently reopen and re-document these claims to recover what was owed.