“TIME IS MONEY”

When you have suffered a loss nothing is truer than this old adage. The longer you cannot get your business operating the more financial loss you suffer. As time passes the financial hardship increases and you are more likely to accept a settlement offer from the insurance company for less than your claims fair value. Time is not on your side!

Generally, the burden of proof to prove your claim is on you, the insured. An insurance policy is a contract. Like every contract there are conditions, and precedents that must occur before the other persons obligation under that policy occurs. As an insured, you have the obligation to present a sworn proof of loss, submit to an examination under oath if requested and submit documentary evidence. If you fail to fulfill these obligations your insurance company may not have to pay your claim. Relax and let PACS resolve these issues for you. We understand the level of proof necessary to document your claim. We know your obligations under the policy to force the insurance company to perform. Most of all, we guarantee that we will get you the true value of your claim as expeditiously as possible.

Excellence, Professionalism, Service is our foundation.
Commitment to our clients is our Pledge.
Results for our clients are our Guarantee.

THE STEPS WE WILL TAKE TO PROTECT YOUR INTERESTS

1. Review your insurance policies to determine the coverages available and the level of coverage provided.
2. Document your losses and obtain evidence to determine the origin of the loss.
3. Work with a team of experts work to establish the value of your claim. Retain architects, accountants, engineers, contractors and attorneys to substantiate your loss and the value of your claim.
4. Document your losses fully and completely. Prepare an inventory of your losses.
5. Negotiate with your insurance company to obtain the true and full value of your claim. If negotiations are not fruitful, we represent you through the appraisal process and present your claim to a neutral arbitrator. Review your settlement documents to ensure there fairness to you.

Residential Losses

Memories, photographs, a box of love letters or your child’s’ report cards from elementary school. Let’s be honest, nothing can replace the sentimental value of a home lost in a fire or natural disaster. But what about replacement cost vs. actual cash value. Your television is 5 years old, should you accept the $100 actual cash value or demand replacement value, a comparable television set to the one that was destroyed. Should you accept replacement of the “similar” cabinet door or demand that all the cabinet doors match. Let us help you resolve your claim with the same level of professionalism we bring to a 200,000 square foot commercial building.

Commercial Losses

Keeping your business open and prosperous is our main focus and goal.

Industrial Losses

When you have a loss of manufacturing, you need expert forensic accounting to quantify your losses. What is cost of production as to each step in the manufacturing process. What is forecast for lost sales and profits. How to quantify a diminution in your customer. Let us work with your company to garner the necessary information to minimize your downtime and maximize your recovery.

Professional Losses

Professionals such as doctors, lawyers and accountants have a tremendous amount of files and records that need to be retrieved so that there computer systems can be up and running. Alternative space may need to be made available immediately. At PACS we can properly present all of your added expenses.

Real Estate Losses

Let PACS help you prepare for a loss ahead of time. PACS can review your policies to ensure proper coverage. Document the value of your holdings, rental income and what the cost of repair or replacement is at today’s prices with today’s building codes.

Retail Losses: In a retail operation, your lost merchandise may be non-replaceable if it is seasonal. At PACS we can prepare a claim based upon the true cost of good and services lost, supplies and leasehold improvements. We are trained specialists and we can obtain the true value of your claim.