HOW WE HELP

COMMERCIAL

MULTI-FAMILY

RESIDENTIAL

APPRAISER

UMPIRE

COMMERCIAL INSURANCE CLAIMS EXPERTISE

Preserving operations. Minimizing downtime. Maximizing recovery.

Commercial insurance claims are complex, time-sensitive, and high-stakes. Beyond property damage, a loss can disrupt operations, jeopardize employee safety, and affect revenue streams.

Pivotal Public Adjusters specializes in guiding business owners and managers through every phase of the commercial claims process so you can focus on running your business. We document every detail, navigate business interruption claims, and work with carriers to ensure the full scope of your loss is recognized.

Our deep expertise in valuation, documentation, and dispute resolution allows us to anticipate challenges and protect your interests. We build comprehensive, fact-based claim files to resolve disputes before they escalate to appraisal or litigation. Our role is to advocate for you, guide the claims process, and ensure you receive the full benefits of your policy while maintaining strict compliance with Department of Insurance regulations.

Key Benefits:

Business continuity support and employee safety prioritized
Comprehensive, defensible claim files to minimize disputes
Neutral appraisal and umpire services when needed

How Pivotal Public Adjusters Can Help:

Employee safety is always the first priority.
We support you in coordinating emergency actions to stabilize the property and protect staff and assets.
While we do not select or hire contractors, we advise on acceptable temporary measures, ensure proper documentation, and verify alignment with policy requirements.

Damage Mitigation & Documentation:

We assist in coordinating immediate actions to stabilize the property — such as securing the premises, stopping leaks, covering broken windows, and protecting assets from further damage.
We guide business owners through their responsibilities under the policy, including documenting every mitigation step to avoid future disputes.
Our role is to make sure mitigation efforts are properly recorded and compliant, not to direct or select vendors.

Coverage Review & Strategic Planning:

We review your commercial policy in detail including insuring agreements, exclusions, deductibles, sublimits, co-insurance penalties, and valuation methods to identify available coverage and gaps.
In commercial settings this often means evaluating loss of use, loss of rents, business income coverage, and extra expense coverage.
We help plan for temporary operations or relocation if needed, ensuring each step aligns with your policy’s terms.

Assessment & Valuation of Damages:

We document every aspect of the loss using industry standard software, contractor bids from your chosen vendors, and independent experts as needed.
Detailed inspections, photos, diagrams, and reports are provided to ensure no damage is overlooked.
We also prepare a comprehensive claim package including Proof of Loss and supporting documentation to present to the insurance carrier.

Negotiation & Settlement:

Commercial claims are often complex with multiple experts and large dollar differences between policyholder and insurer estimates.
We work to resolve disputes through clear documentation, transparent communication, and collaborative negotiation first.
When necessary we are prepared to invoke appraisal or, as a last resort litigation, but only after every reasonable effort to resolve the claim through continued documentation and negotiation.
This disciplined approach protects your business continuity and strengthens your position for a full and fair settlement.

Claims Payment Oversight:

We guide you through each payment stage including the initial undisputed Actual Cash Value (ACV) payment, deductible obligations, recoverable depreciation, and mortgage company requirements.
We ensure you understand and manage the release of funds so you can recover the full depreciation amount once repairs are complete.

Restoration & Compliance:

Before permanent repairs begin, we confirm the insurer has issued its estimate and payment.
We do not direct or select contractors but coordinate closely with you and your chosen vendors to ensure work aligns with scope of loss, code requirements, and policy provisions.
This approach safeguards your financial interests and ensures restoration decisions do not compromise your coverage or claim outcome.

Why Choose Pivotal Public Adjusters for Commercial Claims:

Decades of experience with over 20 years in insurance, construction, and large loss claims.
Licensed and ethical with strict adherence to Department of Insurance regulations and industry standards.
Full transparency with clear communication, detailed documentation, and ongoing updates.
Proven results with multi-million-dollar settlements for commercial property owners.

MULTIFAMILY CLAIMS EXPERTISE

Protecting residents. Preserving property. Maximizing recovery.

Managing an insurance claim for a multifamily property is far more complex than handling a single-structure loss. With multiple units, shared systems, resident safety concerns, and significant financial exposure, the impact can be substantial, and the process demands expertise and coordination.

Pivotal Public Adjusters specializes in guiding property owners and managers through every step of the multifamily claims process. From initial emergency measures to final restoration, we coordinate with mitigation vendors, engineers, and insurance professionals to streamline communication and ensure no step is overlooked.

We prepare detailed claim packages designed to withstand scrutiny and secure fair outcomes. When valuation disagreements arise, Pivotal Public Adjusters can also serve in a neutral capacity as an appraiser or umpire, helping both sides reach an impartial resolution without unnecessary escalation.

Key Benefits:

Resident safety and habitability prioritized
Thorough documentation and defensible valuations
Expertise in large-loss coordination and dispute resolution

How Pivotal Public Adjusters Can Help:

Resident safety is always our top priority.
We support emergency response measures to stabilize the property, protect residents, and prevent further loss.
While we do not select or hire contractors, we help owners understand the importance of timely mitigation, guide documentation, and ensure mitigation efforts align with policy requirements.
Temporary measures are used to preserve evidence and maintain habitability until permanent repairs are arranged.

Coverage Review & Strategic Planning:

We review your policy in detail, including insuring agreements, exclusions, deductibles, sublimits, and business interruption triggers.
In multifamily settings, this often means evaluating loss of use, loss of rents, or business income coverage.
We help plan for temporary accommodation or relocation when necessary and ensure every step aligns with policy terms.

Valuation of Damages:

We document every aspect of the loss, unit by unit, using Xactimate, contractor bids (from your chosen vendors), and independent experts as needed.
Our detailed photos, diagrams, and reports support accurate damage assessments and differentiate covered loss from pre-existing conditions.

Negotiation & Settlement:

Insurance carriers often use their own experts, which can create differences in scope or valuation.
We work methodically to resolve these differences through clear documentation, transparent communication, and collaborative negotiation with carrier adjusters.
Our priority is to resolve disputes without escalation. However, if a dispute cannot be resolved, we are prepared to pursue formal processes such as appraisal or, when necessary, litigation - but only as a last resort.
Throughout the process we maintain a thorough claim record, strengthening your position and increasing the likelihood of a successful settlement without needing to escalate.

Claims Payment Oversight:

We guide you through each stage of payment, including the initial payment for the undisputed portion of the claim, deductible obligations, and recoverable depreciation.
We verify that funds are properly disbursed and applied to covered work so you can recover the full depreciation amount once repairs are complete.

Restoration & Compliance:

Before permanent repairs begin, we confirm that the insurer has issued its estimate and payment.
We do not direct or select contractors but coordinate closely with you and your chosen vendors to ensure work aligns with the scope of loss, code requirements, and policy provisions.
This approach safeguards your financial interest and ensures that restoration decisions do not compromise your coverage or claim outcome.

Our Commitment:

Full transparency, detailed recordkeeping, and strict adherence to licensing and ethical standards.
A relentless focus on maximizing recovery while protecting residents, property, and policyholder rights at every stage.

Why Choose Pivotal Public Adjusters for Commercial Claims:

Decades of experience with over 20 years in insurance, construction, and large loss claims.
Licensed and ethical with strict adherence to Department of Insurance regulations and industry standards.
Full transparency with clear communication, detailed documentation, and ongoing updates.
Proven results with multi-million-dollar settlements for multi-family property owners.

RESIDENTIAL INSURANCE CLAIMS EXPERTISE

Supporting homeowners. Protecting families. Maximizing recovery.

For most homeowners, a property loss is not just a financial setback; it is an emotional and disruptive event. Navigating a residential insurance claim can feel overwhelming, especially with immediate safety concerns, confusing policy language, and a lengthy claims process.

Pivotal Public Adjusters specializes in guiding homeowners through every stage of the residential claims process. From emergency response to final restoration, we coordinate mitigation efforts and document every detail for maximum recovery. We also understand the challenges of Additional Living Expenses (ALE) and work to ensure these costs are clearly documented and presented to help minimize disputes and delays.

Our detailed documentation and neutral approach often resolve valuation differences before they escalate. When disputes do arise, we can provide independent appraisal or umpire services to help settle differences in scope or cost. Our role is to advocate for you, protect your rights, and ensure you receive the full benefits of your policy while maintaining strict compliance with Department of Insurance regulations.

Key Benefits:

Expert support navigating Additional Living Expenses
Thorough documentation for fair settlements
Neutral appraisal and umpire services available

How Pivotal Public Adjusters Can Help:

The safety and well-being of you and your family always comes first.
We help you coordinate emergency actions to stabilize your home and protect your property and personal items.
While we do not select or hire contractors, we advise on acceptable temporary measures, ensure proper documentation, and verify alignment with policy requirements.

Damage Mitigation & Documentation:

Immediate action is required to prevent further damage such as tarping roofs, boarding windows, extracting water, or securing valuables.
We guide homeowners through their responsibilities under the policy, including documenting every mitigation step to avoid future disputes.
Our role is to make sure mitigation efforts are properly recorded and compliant, not to direct or select vendors.

Coverage Review & Strategic Planning:

We review your homeowners policy in detail including insuring agreements, exclusions, deductibles, sublimits, and valuation methods to identify available coverage and potential gaps.
We focus on Additional Living Expenses coverage which can provide for temporary housing, meals, and other essentials while your home is being repaired.
We help plan for temporary accommodations and ensure each step aligns with your policy’s terms.

Assessment & Valuation of Damages:

We document every aspect of the loss using industry standard software, contractor bids from your chosen vendors, and independent experts as needed.
Our detailed inspections, photos, diagrams, and reports ensure no damage is overlooked.
We prepare a comprehensive claim package including Proof of Loss and supporting documentation to present to the insurance carrier.

Negotiation & Settlement:

Residential claims often involve disagreements over scope of repairs, pricing, or Additional Living Expenses.
We work to resolve disputes through clear documentation, transparent communication, and collaborative negotiation first.
When necessary we are prepared to invoke appraisal or as a last resort litigation but only after every reasonable effort to resolve the claim through continued documentation and negotiation.
This disciplined approach protects your family’s continuity and strengthens your position for a full and fair settlement.

Claims Payment Oversight:

We guide you through each payment stage including the initial undisputed Actual Cash Value (ACV) payment, deductible obligations, recoverable depreciation, and mortgage company requirements.
We ensure you understand and manage the release of funds so you can recover the full depreciation amount once repairs are complete.
We also help track ALE payments to ensure you receive everything you’re entitled to under your policy.

Restoration & Compliance:

Before permanent repairs begin we confirm the insurer has issued its estimate and payment.
We do not direct or select contractors but coordinate closely with you and your chosen vendors to ensure work aligns with scope of loss, code requirements, and policy provisions.
This approach safeguards your financial interests and ensures restoration decisions do not compromise your coverage or claim outcome.

Why Choose Pivotal Public Adjusters for Residential Claims:

Decades of experience with over 20 years in insurance, construction, and large loss claims.
Licensed and ethical with strict adherence to Department of Insurance regulations and industry standards.
Full transparency with clear communication, detailed documentation, and ongoing updates.

APPRAISER SERVICES

When a claim requires an independent, fact-based assessment, Pivotal Public Adjusters delivers with precision and clarity. Drawing on decades of field experience, we identify the full scope of damage, prepare repair estimates based on real-world construction costs, and provide clear, data-driven documentation that strengthens the appraisal process.

As appraisers, we serve with neutrality and expertise—carefully analyzing evidence, applying recognized estimating methodologies, and presenting objective findings. This approach empowers policyholders, insurers, and legal teams to resolve disputes with confidence, fairness, and efficiency.

Complex property damage disputes often call for trusted, independent expertise. Pivotal Public Adjusters offers appraisal, umpire, and expert witness services focused strictly on scope and valuation—not coverage determinations—ensuring that all parties can reach equitable outcomes.

In every role, Public Adjuster, Appraiser, or Umpire, Pivotal Public Adjusters maintains neutrality, transparency and full compliance with Department of Insurance regulations. Our focus is on fact-based evaluations and impartial decisions that support fair, efficient resolution of property damage disputes.

UMPIRE SERVICES

When appraisal disputes arise and appraisers are unable to agree on the value of a claim, a neutral umpire is appointed to render the final decision. At Pivotal Public Adjusters, we bring decades of combined experience in evaluating repair scopes, construction costs, and industry standards, making us a trusted authority in even the most complex property damage disputes.

Our role as umpire is not to advocate for either side, but to safeguard the integrity of the appraisal process. We do this by carefully reviewing both appraisers’ submissions, applying objective benchmarks, and reconciling differences using recognized estimating methodologies. This transparent, evidence-based approach ensures that outcomes are defensible, equitable, and rooted in fact.

Complex property damage disputes often demand independent expertise to resolve fairly and efficiently. Pivotal Public Adjusters provides impartial umpire services focused strictly on scope and valuation—not coverage determinations—so that all parties can move forward with confidence.

In every role, Public Adjuster, Appraiser or Umpire, Pivotal Public Adjusters maintains neutrality, transparency and full compliance with Department of Insurance regulations. Our focus is on fact-based evaluations and impartial decisions that support fair, efficient resolution of property damage disputes.