PRE-LOSS SERVICES

Evidence for Insurance Companies

Frequently, in the event of a loss, it is very challenging for our estimators to prove to insurance carriers the extent of the loss without the proper documentation or evidence of what the conditions were prior to the disaster.

This report will provide all the tools we need after a loss to prove your building’s condition. Our inspection report will have information, and in most cases, photos of:

  • Property Exterior

  • Property Interior

  • Building Contents & Furniture

  • Roof Systems

  • Elevator Equipment

  • Specialty Equipment

  • Lighting Control Systems

  • Electrical Systems

  • HVAC Systems

  • Stairs & Railings

  • Plumbing Systems

  • Foundation

  • Fire Suppression Systems

  • Life Safety Systems

At your option, Claremont can also store important documents relating to the property:

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  • Policies about to property and contents

  • Site survey Architectural plans

  • Receipts for capital improvements

  • Certificates of Occupancy

  • Municipality inspection documents

  • Building permits

  • Additional engineering reports

  • Other property-related documents

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Along with a physical inspection of your property we would like to:

Work with you on estimating downtime in the event of a loss so you can evaluate your business interruption insurance. This will ensure you have the money you need to pay business related expenses after a loss

Also we'd like to review your insurance policy to ensure complete coverage of your property and contents. Most often we see fences, ancillary buildings, maintenance shops, cabanas, pool equipment and parking lot lighting not covered

Finally we'd like to work with you to make sure you understand your risk related to your deductibles

We recommend code upgrade coverage based on what systems exist on your property and what may be required to be upgraded in the event of a loss: type of electric wiring, multiple roof layers, breaker panels, building access, energy code compliance, etc.