An IPG Partner

Commerical Property Claims

ARM is familiar with the needs and expectations of the excess and surplus lines market, as well as the standard line insurers in regards to commercial structures, and third party liability exposures.

Our staff is familiar with construction techniques and we work well with general contractors in the restoration of structures, which are damaged due to fire, vandalism, or weather related damages.

We utilize the Xactimate© to prepare estimates on damaged structures. This program applies material and labor amounts based upon zip codes to ensure fair compensation to the property owner while providing you with the best use of your indemnity dollars.

To assist in the investigation of weather-related events, ARM utilizes the services of trusted vendors such as Vaisala STRIKEnet® for determining the areas of lightning strikes. ARM is also quick to use the information provided by the National Oceanic and Atmospheric Administration. With late reported hail cases, ARM uses HailScope™ to confirm hail size and dates of loss.

ARM’s staff is familiar with, and works well with, all of the defense firms within the contiguous United States and Canada. In addition, we are familiar with the plaintiff firms, and the profile they fit in regards to the propensity to litigate or settle. With this intimate knowledge, ARM can provide useful information to your firm to move claims toward closure at the least cost.

ARM is licensed to handle homeowner related claims in 21 of the 31 states, along with various provinces in Canada which require adjuster licenses, with more areas being added as needed.

If your office requires evaluation on the value of your insured property for co-insurance purposes, Marshall & Swift ® Evaluation Services are used to establish the depreciated value of the structure, or its replacement cost. All ARM adjusters are Marshall & Swift ® Certified to ensure an accurate valuation of the insured’s property. In the event of a co-insurance penalty, the agent is notified so more coverage can be made available to the insured.

ARM is pro-active about pursuing subrogation in order to recoup your indemnity dollars. On average, ARM obtains up to 74% of your indemnity dollars through our dedicated adjusters and attorneys, or we will pass our investigation results to your panel of recovering attorneys.

ARM has an in-house CPA, who performs forensic accounting in regard to business interruption claims.