Have you ever considered what you would do if a hurricane or other major disaster struck your hotel, resort, condominium or commercial/industrial property?

As an owner and/or manager of a business located in the Caribbean - hurricanes are a fact of life.

With global warming and cycles of increased activity - storms are becoming stronger, more frequent and even venturing into areas once thought to be 'outside of the hurricane zone'.

If you have ever experienced a major loss - you know that the days and weeks following a hurricane can be filled with confusion, uncertainty and a seemingly endless number of responsibilities that make it difficult to focus on the business of 'getting back in business'.

Young Adjustment can help!

Our company provides a comprehensive Insurance Claim Management Service after you suffer major property loss after a hurricane, earthquake, fire or other catastrophic event covered by your insurance policy.

We have a staff of experienced experts including: CPA's, Lawyers, Insurance Policy Analysts, Adjustors, Construction Specialists, Claims Preparation Specialists, Business Income Specialists and the support staff to 'leave no stone unturned' and recover the best possible settlement from your insurance company. If we don't have the expert on staff to fight on your behalf - we'll go find them!

In addition to helping you deal with a stressful situation - our reputation among insurance companies is so influential that we can negotiate a priority schedule for site inspection and settlement offers. This means that in many cases, you can settle your claim, start rebuilding and set a 'back in business' date while your competition is still waiting for a visit from their insurance company's adjuster.

We also know how to 'negotiate the fine print' since we work with claims based on policies similar to yours every day. We often find that the way you choose one single word in your claim can mean the difference between an insurance company paying your claim to the maximum limit - or denying coverage completely.

We're also there from the moment you experience a loss to answer any questions such as:

• Should you start cleaning up the mess - or leave it for the insurance company to inspect?

• Who do you contact for a claim if your insurance agent is off-island after a storm?

• If your receipts/records/contracts were destroyed - how can you prove inventory/cost/loss?

• Can you start rebuilding before an inspection or settlement - or will that reduce your claim?

• What can you expect in terms of site inspection, estimated recovery and payment date?

Why can't I just work with my insurance agent?

Your insurance agent is paid by the insurance company based on the cost of your policy. Even though your local insurance agent will usually be very helpful in the claims process - they may not be highly motivated to challenge their employer on your behalf.  They have to continue their relationship with the insurance carrier, so your local agent may not want to 'rock the boat' too much when requesting a review of the initial settlement offer.

Young Adjustment only works for you!

Our only interest is to make sure that you receive the largest amount possible from your insurance company based on the details of your policy.

With 80 years of experience - our reputation commands respect from the moment we inform your insurance company that Young Adjustment Company will manage your claim. You are no longer 'just another claim among many...' - you're represented by the one of the most respected and knowledgeable public adjustment companies in North America.

What does it cost?

Our fee is a small percentage of your total claim payment. In exchange, Young Adjustment Company takes full control of the claims process.  Not only do we allow you to devote your time & energy to 'getting back in business',  we eliminate the stress, uncertainty and any question as to whether you received the best possible insurance settlement.

This fee INCLUDES all expenses such as staff salaries, transportation, accommodations, meals, expert fees, telephone/office expenses, etc.   The fee we quote is the only payment you make to Young Adjustment Company.  This way, you know exactly what you have to pay without the uncertainty of 'fee plus expenses' contracts that some other companies offer.

When you consider the complete Insurance Claims Service that Young Adjustment provides - our fees are extremely reasonable and among the lowest in the industry. Past experience shows that our fee is normally only a fraction of the additional payment you receive by having an expert manage your insurance claim.

How can I get started?

There are two ways to work with Young Adjustment Company:

1. Contact Young Adjustment after you sustain damage: Just call 787-721-8450 and we'll send an account manager to meet with you and sign a contract as soon as your local airport opens and the authorities allow non-residents to fly to your destination.

2. Become a Priority Service Subscriber: Since we know that hurricanes are a threat year after year - Young Adjustment has developed a unique program for Caribbean clients. Once you subscribe and provide Young Adjustment with a copy of your insurance policy, Young Adjustment will:

• Review your policy and advise if changes to coverage are appropriate.

• Keep a copy of your policy in a secure location (in case your offices/files are damaged or inaccessible).

• Monitor storms as they develop and threaten your area.

• If a hurricane strikes your destination - we'll have everything ready to start work on your claim.

• As soon as you notify us by email, fax, telephone or local representative (where available) - we'll determine a preliminary 'scope of recovery' and prepare a contract for you to sign.

• Once the contract is signed, Young Adjustment will assemble our team of experts to fly to your destination as soon as appropriate. We pay all travel and expenses - so you have no 'up front' costs to worry about.

• You will be assigned an account manager who will notify your insurance company that you are represented by a team of experts from one of the largest independently owned and operated public adjusting firms in North America and a pioneer within the industry.

• You will then have access to the most complete and experienced staff of adjusters, attorneys, accountants, inventory personnel and engineers with the skills necessary to properly handle and settle your claim fast.  You only pay Young Adjustment after you receive your payment.

There is no fee for enrolling in our Priority Service Program.

Contact us today and make Insurance Claim Management part of your Hurricane Preparedness Planning!