Buildings We Serve
Expert Public Adjusters
FLORIDA COMMUNITY ASSOCIATION JOURNAL BEST PUBLIC ADJUSTERS ● 2021, 2022, 2023
Why Hire an Expert Public Adjuster?
Stone Claims Group Adjusters Handle All Commercial Building Claims
Condominium Associations
Multi Family Buildings
Restaurants
High-Rises
Warehouses
Retail
Public Buildings
Condominium Associations
Condominium Associations
When dealing with a complex property loss, complying with statutory guidelines, the dynamics of working with a board of directors, and membership politics, this is a very specialized type of adjusting. We have helped condominiums and townhomes recover hundreds of millions of dollars in property losses, some of whom did not even know they had a claim to start with.
Multi Family Buildings
Multi Family Buildings
Multi-Family Buildings- When dealing with corporate or private ownership, Stone Claims Group understands that intricate loan structures often dictate claim practices and operational guidelines. Trusted by Risk Managers nationwide due to our macro understanding in adjusting losses for hotels, apartments, senior living, and treatment centers.
Restaurants
Restaurants
Restaurant Claims involve build-outs, business interruption, and refrigerator product loss. We work with our entrepreneurs to provide Michelin Star service through the claims process to get you back doing the same to your diners.
High-Rises
High-Rises
No matter the type of business, high rise buildings have their own complexities. The building construction, interworking systems, and propensity for damages are unique and only experienced by tall structures. Our team knows how to properly inspect and adjust for potential unseen damages to high-rise and mid-rise buildings.
Warehouses
Warehouses
Warehouses- Large Warehouse spaces are impacted by pressure deviations from storms differently than other types of buildings. Our expertise in flat roof systems investigations, combined with our understanding of business interruption coverages available, is crucial to a maximum claim recovery.
Retail
Retail
Shopping malls, theaters, and office buildings are unique in dealing with multiple tenant leases. The way these leases are written impacts claims coverages under your policy. Stone Claims Group works with you and your tenants to keep occupancy while navigating your claim to recovery.
Public Buildings
Public Buildings
Public Buildings – As a Woman-Owned Business, we understand the intricacies of self and group insurance, different statutory guidelines for publicly owned buildings, and the complexity of insurance claims for cities, churches, schools, universities, libraries, hospitals, post offices, and prisons.
Types of Commercial Building Damages We Cover
Our Licensed Public Adjusters Make it Easy For You
We Help Get the Fair Value for Your Loss
Bring us your claim
Complete a Thorough Inspection & Claims Package
Settle at a Higher Rate
Commercial Buildings We have Helped
Coral Reef was offered 910K, Stone Claims Group Settled their Claim for 6.5 Million
Carrier offer included only a roof repair. Stone Claims Group’s negotiated settlement included roofs, doors, windows, stucco, and paint.
Areas Our Expert Public Adjusters Serve
Licensed and Trusted in 18 states
112
Hail events
696
Wind events
370
Hurricane & flooding events
57
Tornado events
77
Lightning events
112
Hail events
696
Wind events
370
Hurricane & flooding events
57
Tornado events
77
Lightning events
79
Hail events
727
Wind events
762
Hurricane & flooding events
15
Tornado events
20
Lightning events
113
Hail events
1318
Wind events
293
Hurricane & flooding events
13
Tornado events
24
Lightning events
1394
Hail events
1448
Wind events
1277
Hurricane & flooding events
258
Tornado events
38
Lightning events
627
Hail events
347
Wind events
119
Hurricane & flooding events
57
Tornado events
7
Lightning events
20
Hail events
84
Wind events
185
Hurricane & flooding events
2
Tornado events
6
Lightning events
161
Hail events
945
Wind events
221
Hurricane & flooding events
147
Tornado events
31
Lightning events
63
Hail events
576
Wind events
571
Hurricane & Flooding events
7
Tornado events
6
Lightning events
66
Hail events
498
Wind events
259
Hurricane & flooding events
9
Tornado events
13
Lightning events
207
Hail events
1281
Wind events
1305
Hurricane & flooding events
33
Tornado events
16
Lightning events
209
Hail events
556
Wind events
244
Hurricane & flooding events
147
Tornado events
18
Lightning events
741
Hail events
563
Wind events
320
Hurricane & flooding events
46
Tornado events
5
Lightning events
291
Hail events
839
Wind events
503
Hurricane & flooding events
51
Tornado events
19
Lightning events
653
Hail events
632
Wind events
547
Hurricane & flooding events
171
Tornado events
4
Lightning events
289
Hail events
1334
Wind events
537
Hurricane & flooding events
37
Tornado events
12
Lightning events
158
Hail events
707
Wind events
370
Hurricane & flooding events
54
Tornado events
16
Lightning events
225
Hail events
848
Wind events
223
Hurricane & flooding events
40
Tornado events
24
Lightning events
176
Hail events
325
Wind events
289
Hurricane & flooding events
103
Tornado events
16
Lightning events
24
Hail events
156
Wind events
58
Hurricane & flooding events
4
Tornado events
1
Lightning event
*Source for each damage type comes from NOAA. Year of damage types vary from 2015 - 2020.
What Our Clients Are Saying
Unmatched Expertise at Stone Claims Group
“I just want to thank you for all you did for owners at Top of the Gulf. As you must have known I was one of the biggest skeptics. Thank you for changing my mind. I admire the way you never let up and continued to come by and tell us why we needed your company. Thank you again for persistence, we would have been in poor shape if everyone was like me.”
C. Jordan Board Member
Florida Panhandle
“Dealing with Stone Claims Group was one of the most rewarding experiences I’ve had as a board member. Not only did they deliver monetarily in a huge volume for our association, but they also brought an unmatched expertise and professionalism.”
R. Holland, BOD President
Jacksonville, FL
Common Questions About Commercial Property Claims
What is a Public Adjuster?
A Public Adjuster is a professional claim advocate representing the policyholder in negotiation and appraising your insurance claim.
A Public Adjuster is a professional claim advocate representing the policyholder in negotiation and appraising your insurance claim. A licensed public adjuster or an attorney are the only two types of individuals representing policyholders for a property damage claim. A public adjuster must meet strict educational, background, and ethical criteria required by the state government to work as a public adjuster.
How is Your Damage Estimate Prepared?
After a thorough inspection, possibly several inspections with contractors and experts as necessary, Stone Claims completes a comprehensive estimate in the software used by your insurance carrier for compatibility and clarity.
The estimate details each damaged item. Each item’s repair cost – area by area, reflects the real total repair costs, and this estimate, must conform to the coverages provided in your policy language. Our estimates will include repair costs and additional required items such as OSHA regulations, any law or ordinance issues, and increased costs of construction, to name just a few.
Why Do You Specialize in Commercial Losses?
Stone Claims Group is best suited for the complexity of commercial property insurance losses.
Commercial property claims are complicated, so insurance companies send out their most experienced adjusters to handle them. It is only fair to have an experienced public adjuster handling your claim, to level the playing field. We apply a team effort to every phase: investigation, estimating, negotiation to arrive at the final settlement.
When Should I Call a Public Adjuster?
You should call us at 1-800-892-1116 immediately after a loss. It is most beneficial for all parties when Stone Claims Group is involved at the beginning of the claim development to set the tone for the entire claim & settlement process.
Typically a carrier property insurance adjuster will investigate and evaluate your claim quickly after the claim is established, it’s usually with the intention of settling quickly, saving claim dollars, and moving on to the next insured. It is important to let the insurance company know the estimated amount of the loss at the beginning of the claim to properly set the reserve funds. Once an insurance company adjuster sets his or her reserve amount it is much harder to get them to change their minds and add to the amount.
What Are the Benefits of Hiring a Public Adjusting Firm?
A few of the benefits of hiring a Public Adjusting firm include helping a policyholder understand and interpret their policy, resolve the claim faster, ensure fair value for the claim, and protect the policyholder’s rights.
A few of the benefits of hiring a Public Adjusting firm include helping a policyholder understand and interpret their policy, resolve the claim faster, ensure fair value for the claim, and protect the policyholder’s rights. It is not the job, duty, or responsibility of your insurance company to discover the full extent of your loss. That responsibility is the policyholders’. A good public adjuster is essential to determine the fair repair amount of the loss.