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Hello everyone! My name is Vince Perri and I’m the Commercial Claims Advocate. I’m also a licensed and certified Public Adjuster (PA). For those of you who don’t know what that is, a PA is a person who represents policy holders, such homeowners, business owners and building owners, throughout the entire policy claim process.


For example, if you suffer a loss to your home, your business or your building, a PA can represent you as the policy holder to ensure that the insurance claim is paid according to what it’s supposed to be paid. In other words, to ensure that you get all the money you deserve to put your home or your business or your building back together again.


The Commercial Claims Advocate is all over the Internet and social media educating other PAs all over the country on how to best represent their policy owners the way they’re supposed to. That said, I will help teach you how to prepare for a natural disaster to your office or to your building and how to make sure that you have enough money to ensure your business is operational again as fast as possible. Let’s get to it, shall we?

Key Takeways

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Natural disaster preparation

It’s no secret that a natural disaster can occur at any moment. Moreover, the damage such events can cause can be devastating. You need to prepare and make sure everything is in order before the disaster actually happens and before the loss occurs to your business or to your building. That said, there are three crucial steps you must take.

Step 1 - Make sure what your insurance policy covers and doesn't cover

This step involves going through your insurance policies to determine the coverage. For instance, if you’re a building owner, does your policy cover only the exterior of the building or the interior as well?

Furthermore, is it covered in case of a fire or a hurricane? In addition, is water damage covered? These things are essential to know before any loss occurs so that you’re absolutely sure that should such a loss ever occur, in the first place, you’ll have coverage for it.

Moreover, if you’re an office owner or a store owner who is leasing the place, you have to make sure that the insurance policy also covers not only the contents of your store/office and the possessions you own but also that it covers specific loss, such as tile flooring, walls, paint, cabinets etc. In any event, I strongly recommend that you give your agent a call and go over the insurance policy to ensure you have all the coverage that you need.

Tips

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Step 2 - Keep good records and update them

Any and all records should be kept well and updated on, at least, a yearly basis. That includes records of any repairs that you must do to your business, office or building. For example, you’re having a roof leak and you call out someone to fix it, make sure you take a photo and that you keep the invoices and related documentation of the repairs.

That goes for all other repairs and you should always keep a receipt or proof of those repairs. Now, the main reason this is of vital importance is that in the event of a loss where you have to file an insurance claim, the insurance company can state that the damage is preexisting and that the damage has been ongoing for a long time, which you’ve neglected, by the way.

The records will prove that you were, indeed, maintaining your office or building properly and that the loss is, in fact, the result of a current disaster, which should, therefore, be covered by the insurance policy. Another thing you should do is keep photos of your office/building both in and out, and how it looks once a year. That way you can once again have proof that the damage, which was the result of a natural disaster, wasn’t there before.

Last but not least, keep all the records and your policies, including lease agreement, liability insurances and so on in the safe place. For instance, should you have to halt your business operations and you’re leasing out the space, you must show the insurance company proof that you can no longer pay the rent until your business is back on track.

Step 3 - Have prepared procedures in place

As a part of preparing for a natural disaster, you have to have the right procedures and the right people in place. For example, if you own a business or a building in Florida, and the hurricane is on its way, you’ll have to board up all the windows.

Moreover, if you have stuff outside, such as tables or chairs for a restaurant, you’ll have to carry all those things inside. This is important so you don’t panic when the natural disaster comes. Another reason this is important is that you’re actually making an effort to minimize any damage. For instance, installing hurricane-proof windows or setting up fire escapes can actually lower your insurance rates if you show this to your insurance company.

Getting the most money out of an insurance claim

If and when a natural disaster hits and your business or your building suffers any loss, you have to be prepared so that the insurance company will actually pay you the amount you deserve. I know most of you believe that it may not hit your business or building but believe me when I say, and I see this a lot and I see this more often than not, it will hit you eventually. In other words, hope for the best and prepare for the worst. Again, I’ll break this segment into three important steps you should take.

Tips

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Table of Contents

public adjuster tampa

Ruben Delgado

PUBLIC ADJUSTER APPRENTICE

After 15 years working as a Maintenance Mechanic, I decided to make a change and started working with estimates for a Public Adjuster firm.

In February 2021 I obtained my Florida All Lines Adjuster License so I could help directly to the customer.

My mission is to be able to help each client in their losses and to get the right amount on each claim. I am very perfectionist in everything I do, and I love it.

I like baseball, mountain bike, but what I like the most is spend time with my son and my wife.

ruben@eliteresolutions.com

(407) 719-4233

Aaron elite resolutions public adjuster

Aaron Green

PUBLIC INSURANCE ADJUSTER

Aaron has over 12 years of experience as an independent adjuster representing insurance companies in both residential and commercial claims.

He is now using his experience as an independent adjuster to represent homeowners and business owners during the claims process.  

He will use his expertise and insider knowledge of the insurance industry to ensure every claim he works receives a fair settlement and is treated as a priority by the insurance company. 

aaron@eliteresolutions.com

(832) 284 – 5896

joe public adjuster texas elite resolutions

Joe Oberlender

PUBLIC INSURANCE ADJUSTER

Hi there! I’m Joe Oberlender and I’m obsessed with all things that involve improving the lives of my family and clients. Texas born and Alaskan raised; Top interests include, snowboarding, hockey, fishing, climbing, mountain biking, and whatever else my amazing wife and three boys can come up with to do together.

Since 2013,I have been owner of a Florida State Certified Residential General Contracting company. Where I’ve focused my time on quality and empathy for clients while restoring homes on insurance projects. While in industry my biggest accomplishment has been growing a good network of people and continued education, which in turn, helps everyone in an ever-evolving way.

Since February of 2021, I have my Florida All Lines Adjusters License. With this license, connecting with the right teams of professionals. I hope to help many more home and business owners through the treacherous world of the claims process with their best interests in mind.

joe@eliteresolutions.com

(321)  213-8074

Milan Kostic

MARKETING DIRECTOR

Milan started his Marketing career in an SEO agency after that he spent some time as a digital account manager for large corporate clients in the Balkan region.

After he founds out that he wasn’t born for
a 9-to-5 grind lifestyle, Milan quit his job, started working as a freelancer and moved to Vietnam.

After a while Milan met Vince on UpWork and they began to expand Commercial Commercial Claims Advocate to the level on which it is now. Now the beautiful story continues with Elite Resolutions. 

milan@eliteresolutions.com

(813) 867-2420

Nicolas Alzate public adjuster elite resolutions

Nick Alzate

PUBLIC ADJUSTER APPRENTICE

Nicolas graduated with an Engineering degree and has over 8+ years of experience in the construction industry. 

He transitioned to the claims handling industry to fight many injustices he witnessed throughout New Jersey after Hurricane Sandy. He is very passionate about making insurance companies keep their promises.

Nicolas loves to travel and experience different cultures. He even used to be an amateur boxer. Books are an important part of his life. Philosophy especially.

When we talk about life goals, Nico would love to have a nonprofit internship/mentorship placement and personal financing for underprivileged youths.

Nick@eliteresolutions.com

(941) 307-4976

public adjuster marketing

Nemanja Milivojevic

MARKETING MANAGER

Nemanja got into Marketing as an organizer and promoter of parties and small music festivals in Serbia. Until recently he was advertising manager in HomePage agency. His responsibility was digital campaigns for big corporations like Coca-Cola, Philip Morris, British Council, Nike, etc for the Balkan region. 

Dj-ing is his passion, so occasionally he plays music at various Techno parties. More than anything else he loves his girlfriend and his dog Joker (By NBA MVP Nikola Jokic). His favorite sports player is, of course, Novak Djokovic. 

Nemanja is responsible for all of the Elite Resolutions content and advertising.

support@eliteresolutions.com

(813) 867-2420

tammy elite resolutions public adjuster

Tammy Guidry

EXECUTIVE ASSISTANT

Tammy graduated from the University of Texas at Dallas with a Bachelor of Science in Biology.

She has lived in Japan for 3 years but has now moved back stateside. She hopes to one day move back overseas to travel and experience different cultures.

When Tammy isn’t working, she is binging TV shows with her cat and 2 bunnies.

admin@eliteresolutions.com

(423) 712 – 1261

public adjuster Miami

Andy Orozco

PUBLIC INSURANCE ADJUSTER

Andy has over 2+ years of experience in handling claims, backed by a team with over 13 years’ hands-on experience;

He also barely survived Hurricane Andrew as a young child, which destroyed his home but provided him the compassion and the fuel to his drive for his client’s success. 

With firsthand knowledge personally and professionally, he specializes in residential and commercial claims of all sizes.  Rest assured Andy and his team will handle your claim with the care and diligence required should your property suffer any damage.  

Andy@eliteresolutions.com

(786) 307-1233

vince perri commercial claims advocate

Vince Perri

CHIEF EXECUTIVE OFFICER

Vince has over 13+ years of experience in handling claims. He also has the largest public adjuster community on YouTube that comes to Vince for guidance and advice!

He mentors and educates public adjusters across the country, all while specializing in large residential and commercial insurance claims – in Florida, Texas, and California.

He and his team will take care of your property or properties of your clients in case that any damage occurs.

vince@eliteresolutions.com

(813) 438-4551