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INSTITUTIONS

WE PROVIDE TURN-KEY DISASTER RECOVERY SOLUTION TO HELP INSTITUTIONS GET BACK TO NORMAL!

 

Keeping institutions operational is a critical success factor as they are at the heart of our communities and ultimately future. Not only do institutions inspire our future leaders, but they also provide crucial resources to the community. There are many different types of public and private institutions which require specialized insurance coverage, especially when property damage from perils such as a flood, fire or hurricane occurs. Samuel L Rivers. fiercely advocates on behalf of institutions to ensure a fair, quick and equitable settlement.

 

Our expertise includes loss documentation, local markets expertise, and total cost analysis. Our team provides an “all-inclusive” loss recovery approach, with services such as:

  • Institutional Specific Reporting

  • Progression Reporting

  • Loss Recovery Strategy Analysis

  • Initial site inspection within two hours of loss notification

  • Mitigation Management

 

Our extensive experience lends itself to managing complex institutional property insurance claims, including:

  • Building and Structures  covers materials, equipment, supplies, additions, and new construction.

  • Business Personal Property (BPP) including Property located in or on the buildings at the described premises or in the open (or in a vehicle) within 100 feet of the described premises. This can include property you own or lease (office furniture, equipment, and inventory), as well as tenant’s improvements and betterments.

  • Improvements  and  Betterments are permanent fixtures, alterations, additions or installations to a building by and at the expense of the tenant.

  • Business Interruption intended to provide funds necessary while a business’ operations are suspended as a result of damage caused by a covered peril. Business interruption pays a business’s net profit or loss before income taxes and continuing operating expenses, including payroll.

  • Extra Expense  covers expenses while mitigating the business loss, or increased costs in continuing business in the wake of a loss. Reimbursement can include moving a covered business to a different location while the covered property is restored and can include equipment breakdown coverage.

  • Business Income intended to help you cover loss of income if your business has to temporarily close due to damage caused by a covered loss.

  • Equipment Breakdown covers your equipment, including computers.

  • Crime Insurance covers your business from fraud, theft, and forgery.

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A SNAPSHOT OF THE TYPES OF INSTITUTIONS WE HANDLE INCLUDES, BUT IS NOT LIMITED TO:

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  • Art Galleries

  • Consulates

  • Cultural Clubs

  • Day Care Centers

  • Educational Institutions including k-12 and higher education including colleges & universities

  • Embassies

  • Financial Institutional / banks, credit unions

  • Fraternal Association or Lodges

  • Museums

  • Non-Profit Organizations

  • Nursery & Pre-Schools

  • Parochial & Private Schools

  • Planetariums

  • Religious Institutions, including Churches, Synagogues, Temples

K-12 SCHOOLS CHANGE CHILDREN’S LIVES. DON’T LET A DISASTER INTERFERE.

The most formative time of a child’s life is spent behind the walls of their school, from kindergarten to twelfth grade. Nothing should get in the way of learning essential life skills to succeed. However, sometimes unthinkable life events affect the prosperity of organizations, even schools. If a disaster such as a flood, fire or hurricane has affected the structure of your town’s school, you’ll want to mitigate any issue as quickly as possible. Children need to continue to learn, but with disheveled classrooms, everyone suffers.

In addition, a closed private school means loss of income as parents will not pay tuition if the school is closed.

UNITED PUBLIC ADJUSTERS IS HERE TO HELP

When a school experiences a disaster, an enormous amount of responsibilities falls on the municipality worker’s plates. Not only are you trying to restructure an essential business to your town, but you also have to think about how this displacement is affecting the lives of the students.

Don’t bog down your mind even further with insurance claims and confusing filing processes. The experts at Samuel L Rivers. reside in communities just like yours and empathize with the disasters at hand. We’re highly skilled and well versed in every aspect of insurance claims filing. Our team will personally come out to the site of your school and handle every aspect of the claims filing process. In addition, we will help you find a temporary location while the building is restored. All you need to worry about is continuing the education for your beloved students.

Samuel L Rivers. SOLUTION

Oftentimes, insurance companies are fighting for their own benefit. They are not sympathizing with the thousands of students affected by the property disaster. This makes the claims filing process time consuming and stressful to all parties involved. While you’re attempting to keep your institution afloat, the last thing you need is pushback from the people that should be providing help.

 

Fortunately, Samuel L Rivers. has just the expertise you need to keep your institution moving forward. We are well versed in all insurance claims processes and are here to help you navigate your own claim. We’ll handle everything from inspection and filing to negotiation and settlement. With our team on your side, you’ll never walk alone.

BRINGING PROSPERITY BACK TO YOUR PLACE OF RELIGION

 

Religious institutions are more than property and a building. These structures epitomize the values and respect a community has for each other and their spiritual endeavors. If a disaster strikes, a community of individuals is left devastated and lost.

Religious institutions are faced with unique property damage such as steeples being damaged by lightning or a complete roof collapse. Over our tenure within the industry, we have gained extensive experience in the areas of:

  • Church, synagogue, temple, mosque: school buildings and facilities

  • Administrative offices

  • Stained glass windows and systems

  • Roofing systems

  • Steeples

  • Sanctuaries and fellowship halls

  • Church, synagogue, temple, mosque: exteriors and interiors

  • Boilers, heating, and air conditioning equipment

 

Property disasters caused by fire, flood, frozen pipes or hurricanes, leave board members, trustees and facilities managers to handle the complexity of insurance recovery. This task becomes even more daunting if the religious institution is a nonprofit organization.

To make matters worse, insurance companies don’t often empathize with the spiritual disruption at hand. They are likely concerned with maximizing their own dollar amount. If your place of religion has been a victim to a disaster, United Public Adjusters won’t let you suffer. So whether your institution is a church, synagogue, temple or mosque; our team of experts will stand on your side to help you rise from the rubble.

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Samuel L Rivers.. can help with a variety of religious institution property insurance claims such as:

Building protection – Covers all damages to the institution and surrounding buildings.

Personal estate – Covers any damaged contents inside the building.

Employee negligence – Covers any damages caused by a director or officer’s misdeeds.

Data breach – Covers damages suffered from identity theft or data breach.

THE PRESENT BECOMES PERTINENT WHEN DISASTER STRIKES A MUSEUM

Museums hold a wealth of valuable knowledge, non-replicable by any other organization. Rooms are filled with relics of the past, including artwork, paintings, antique cars, jewelry and other precious stones, tapestries, and sculptures; illustrating the strides this earth has made over our existence. Each item holds irreplaceable value. If ever destroyed, no one will ever be able to reach back into the past to recover what has been lost.

 

If a fire, flood, frozen pipes, sinkholes or a hurricane destroys these artifacts; history will be gone forever. The stories will slowly deplete without a visual reminder of what humanity once was. In addition, many museums also include theaters with millions of dollars in equipment alone. When museums experience a devastating tragedy, hundreds of thousands of citizens are left disheartened and broken and with its doors closed, museums suffer income loss.

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Samuel L Rivers. is expertly versed in business interruption claims and can help museums and their respective cultural organizations recoup insurance funds in order to resume operations as quickly as possible.

EXPERIENCE A PUBLIC ADJUSTER'S HELP

Samuel L Rivers. will substantiate the claim while successfully getting your institution back to being fully operational. Our firm is here to prove and maximize the claim for every dollar you are entitled to. If a loss has occurred, don’t hesitate to  reach out to our team.

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