Services

 Reading and understanding an insurance policy is very challenging. Our policy review department thoroughly reviews your insurance policies to make sure you have the right type of coverage for your asset. Our professionals also inspect your property with trained eyes and specialty equipment to identify areas of damage that may otherwise be overseen. 

 We prepare your claim and submit the filings with your insurance company and professionally present your claim. This can be a lengthy and complex process which we handle from beginning to end. We manage all the communication, so you can focus on your business. 

 Our highly trained and expert inspectors and estimators use sophisticated software combined with industry experience to estimate the full legal value of your loss. 

 We know how to deal with the common delays and tactics of insurance companies, and how to expedite the payments related to your business loss. We don’t settle until you are are satisfied and treated fairly! We are with you and you will have our team by your side, all the way! 

 We tirelessly fight to get you the full value according to the actual limits within your policy. We ensure your business is not left uncompensated and distressed by diminutive insurance company estimates and "quick settlements."

 Business interruption insurance is intended to provide protection for the lost revenue and continuing expenses that are incurred when a business is forced to temporarily cease operations as a result of property damage. The financial impact of your business interruption can reach far beyond lost earnings during downtime and the cost of repairs. Property Loss Advisors will work diligently to get you a fair and equitable settlement as soon as possible ensuring that your business returns to normal operations quickly and efficiently.

There are many types of business interruption coverage with their attached endorsements often underwritten based on a business’s operational category. Property Loss Advisors will conduct a thorough review of your policy and will advise and assist you regarding your coverage limits, applicable deductibles which is often a time deductible when referencing a business interruption loss, any exclusions of coverage and most importantly explain to you, the insured, in easy-to-understand terminology what is covered and what is not.

Determining the amount to claim in a business interruption loss is complex. It involves determining what your business would have earned had the loss not occurred, while taking into account how future business plans and market trends would have impacted your revenue. Insurance companies take into account past tax returns, profit and loss statements, projected sales, continuing expenses and other financial and operating data when taking into account the true depth of loss. 

 Hotels, Motels, Resorts, Restaurants, Marinas, and Gaming properties fall within a highly specialized real estate asset class and require certain expertise, knowledge, and care when an event of loss occurs. When a Hotel suffers a loss, the scope and impact it can have are often unforeseen by the ownership group and often bears a heavy burden on management.

Property Loss Advisors has represented the hospitality industry on all types of losses and has adjusted claims for properties with as little as 20 rooms and large as 400 rooms. 

 Our team of professionals has experience and knowledge in virtually all types of property loss claims. Our company handles Commercial Property claims for all major real estate asset classes, including Multi-family, Retail, Office, and Industrial. Additionally, we continue to maintain a special concentration in the Hospitality Real Estate asset class, which includes Hotels, Motels, Resorts, Restaurants, Marinas, Cruise & Gaming.