MBC Public Adjusters

Delighted to share our latest video featuring Mehul Patel from NewcrestImage. Mehul's invaluable insights offer a deeper look into the core of our work and the power of collaboration. Tune in for an enriching conversation that showcases our combined journey and expertise. Catch the full video for a dose of inspiration and industry wisdom. #MBCInsights #CollaborativeSuccess

💼 Is Your Business Prepared to Weather a Disruption? Understanding Business Interruption Coverage 💼 Imagine a sudden event forces your business to close its doors temporarily. While you work on repairs, expenses keep adding up. Business Interruption Insurance can be your lifeline in these scenarios, but many property owners don’t fully understand what it covers – and what it doesn’t. 🔍 Key Points to Know: Coverage Scope: Business interruption insurance can cover lost income during repairs, ongoing operating expenses, and even employee wages. But it only kicks in when a physical loss occurs—meaning non-physical interruptions may not qualify. Waiting Periods & Coverage Limits: Many policies include a waiting period before coverage begins. Understanding this period and coverage limits ahead of time is critical for planning. Document Everything: In the event of a disruption, detailed records of business operations, expenses, and projected earnings can speed up the claims process and increase your settlement. Extra Expense Coverage: Some policies offer an “extra expense” clause, which can cover costs to help you continue operations, like renting temporary office space. Check if your policy includes this benefit. Business interruptions are unexpected by nature, but they don’t have to spell disaster. Make sure your policy fits your needs and is updated to reflect your business growth. ✅

As commercial property owners, you’re well aware of the importance of insurance in protecting your investments. Here are four critical things your policy might not cover: 🌊 Natural Disasters (Floods and Earthquakes): Standard policies exclude certain natural disasters such as floods and earthquakes. These require additional policies. Especially for properties along the coast, considering separate windstorm coverage is crucial. 🏚️ Wear and Tear: Insurance does not cover damages that occur gradually, such as rotted wood or worn roofs. An inspection by your insurer at the time of purchase or renewal could lead to higher premiums or potential refusal of coverage if the property is poorly maintained. 🌳 Fallen Trees: Removal of fallen trees or limbs in your yard is typically not covered unless they damage your property or block access. It’s important to know the specifics of what your policy covers in such scenarios. 🚫 Intentional Damage: Damages that are deemed intentional or resulting from neglect are not covered by home insurance. It’s crucial to maintain your property responsibly to avoid any issues with insurance coverage. #CommercialRealEstate #PropertyManagement #InsuranceTips #RiskManagement #CommercialInsurance

🔍 Florida Insurers Deny Over 37,000 Hurricane Claims: What Does This Mean for Property Owners? 🔍 In the aftermath of Hurricane Helene, a staggering 37,000 property damage claims have been denied across Florida, shedding light on a critical challenge faced by commercial and residential property owners. This decision affects thousands who are now navigating the complexities of insurance recovery and assessing the next steps for their properties. At MBC Public Adjusters, we’re here to bridge the gap between policyholders and insurers. With over 20 years of experience and licensure in 20 states, we understand how to advocate effectively, ensuring clients receive the full settlement they’re entitled to. If you're grappling with an insurance denial or delayed claim, remember: you don’t have to go it alone. Have questions about navigating your claim? Let’s connect! #InsuranceClaims #HurricaneHelene #PropertyDamage #InsuranceDenial #PublicAdjuster #FloridaStorms #MBCPublicAdjusters #CommercialProperty #Advocacy #ClaimRecovery #StormRecovery #PropertyOwners https://lnkd.in/gujFMcx9

Preparing Your Commercial Property for a Secure 2025 🔑 After reviewing your insurance policies, it’s time to look at proactive steps you can take to protect your property in the new year. Here are a few essential actions to consider: Conduct a Risk Assessment: Identify any vulnerable areas in your property that could be affected by natural disasters or wear and tear. Plan for Maintenance & Repairs: Ensure regular upkeep to avoid small issues becoming costly claims later. Update Your Documentation: Having updated property records, photos, and receipts will make filing claims easier and faster. Review Service Contracts: Make sure your current contracts (security, maintenance, etc.) are comprehensive enough to handle unexpected events. Let MBC Public Adjusters help you stay fully prepared for whatever 2025 may bring. The right preparation can lead to fewer headaches and faster, more favorable claims! #PropertyProtection #CommercialPropertyOwners #PublicAdjusters

🔎Hump Day Showcase: What We’re Working On This Week  📍Illinois  💼Vehicle Impact Recovery for Illinois Hotels This week, MBC Public Adjusters is managing a vehicle impact claim for a hotel in Illinois. Our team is providing expert support to get the property back to normal quickly. #PublicAdjusters #VehicleImpact #Illinois #Hotel #MBCAdjusters

What Commercial Property Owners Need to Know for 2025 🔍 As we approach the end of the year, it’s the perfect time for commercial property owners to review their insurance policies before renewal. Here are a few key areas to consider for 2025: Policy Limits: Is your coverage sufficient to handle the rising costs of materials and labor? Endorsements & Exclusions: Are there any changes in policy terms, especially in high-risk areas like hurricanes, flooding, or fire damage? Coinsurance Clauses: Ensure your property values are up-to-date to avoid penalties when filing claims. Proactive Claims Handling: Reviewing past claims and how they were handled can help you better prepare for future events. At MBC Public Adjusters, we’ve helped commercial property owners secure 40-60% higher settlements by ensuring policies are structured correctly and claims are processed efficiently. Let us review your coverage and help you maximize your policy in 2025! #InsuranceRenewal #CommercialProperty #PublicAdjuster #2025Goals #RiskManagement #PropertyOwners #InsuranceReview

🍂 Prepare Your Commercial Property for Fall & Winter: Key Tips for Policyholders ❄️ As temperatures drop, commercial property owners should start thinking about how to protect their buildings and assets during the colder months. Here are a few steps to take now to avoid costly claims later: Inspect Your Roof – Fall is the perfect time to check your roof for any damage caused by summer storms or wear. Addressing minor issues now can prevent major water or ice damage later. Tip: Ensure your policy covers roof repairs, especially if it’s an older building. Winterize Plumbing Systems – Frozen pipes can lead to burst lines, flooding, and major property damage. Tip: Make sure your insurance policy is up to date to cover any potential water damage. Check HVAC Systems – Ensure your heating systems are ready for extended use. Malfunctioning HVAC can lead to costly energy waste or even breakdowns. Tip: Review your commercial insurance policy to see if it covers HVAC repair or replacement. Trim Surrounding Trees – Falling branches can damage your building or neighboring properties, especially during wind and snowstorms. Tip: Confirm that your liability coverage will protect you from any claims due to falling debris. Prepare for Storms – As storms become more frequent, be ready with proper safety measures and emergency procedures. Tip: Review your coverage for storm-related damages, including wind, snow, and ice. Let us help you protect your assets this season. #CommercialInsurance #FallPreparedness #WinterStorms #RoofMaintenance #HVACMaintenance #FrozenPipes #PublicAdjuster #ClaimsHelp #BusinessProtection #WinterTips #InsuranceClaims #BuildingOwners #CommercialProperty

🌪️ After the Storm: What Comes Next? 🌪️ The hurricane has passed, but the recovery process is just beginning. Here are essential steps to take to ensure a smooth recovery: 🔍 Post-Storm Checklist: Assess Damage: Carefully inspect your property for any damage. Be cautious of potential hazards such as downed power lines, flooding, or unstable structures. Document Everything: Take detailed photos and videos of the damage before any cleanup begins. This will be crucial for your insurance claim. Make Temporary Repairs: Prevent further damage by making temporary repairs, such as covering broken windows or leaking roofs. Save all receipts for reimbursement. File Your Claim: Don’t delay in contacting your insurance company to start the claims process. If you’re unsure of your coverage, MBC Public Adjusters can review your policy to ensure you get the most out of your claim. Avoid Low Settlements: Insurance companies may offer a quick payout, but it might not be enough to fully repair your property. MBC Public Adjusters can help you get the settlement you deserve. We’re here to help you rebuild stronger and ensure your business bounces back quickly. Reach out to us for expert assistance in navigating the claims process and maximizing your recovery. #AfterTheHurricane #HurricaneRecovery #InsuranceClaims #MBCPublicAdjusters #RebuildStronger

💼 Hurricane Milton Recovery: One Step Closer to Rebuilding 🛠️ As we continue working with businesses impacted by Hurricane Milton, our team at MBC Public Adjusters is dedicated to ensuring each claim receives the attention it deserves. From wind-damaged roofing to flooded interiors, we're here to help you get back on track with the right coverage and maximum settlements. ⏳ Time is crucial. Don't let delays slow down your recovery. If your property was affected, contact us today to expedite the claims process and get your business back up and running quickly and efficiently. #HurricaneMilton #CommercialClaims #DisasterRecovery #PublicAdjusters #MBCAssists #RebuildStronger