What does pre-loss condition mean?

There may be some damage to your commercial property and facility that existed prior to the loss. Therefore, these damages will not be included in the scope of repairs. We are responsible for returning your commercial property to how it was before the damage occurred, in other words, to its pre-loss condition, using materials of like-kind and quality. At your request, we will provide you with an estimate for any additional construction projects you may wish undertaken by our team. This additional work is termed, “non-insured work.”

What about special items? Artwork, china, heirlooms, etc.

Some high-value items require restoration by specialists. Working with your insurance claim representative, we can help you identify these items and locate a qualified restorer.

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