File Investigation

Premier Adjusting & Catastrophe Services, Inc. is owned and operated by a management group having tremendous experience as staff adjusters and managers. In our history we trained as staff adjusters and have risen through management ranks.

This includes setting up and managing Catastrophe operations throughout the United States. Various members of our group have managed major catastrophe responses including: Hurricanes Hugo, Bob, Kate, Elena, Opal, Erin & Andrew; the Northridge Earthquake; ice and snow events in Pennsylvania, Long Island, and upstate New York, as well as numerous lesser events.


All reports are to follow the format provided by the Company.  Minimum caption requirements are identified on the guidelines.  Individual client profile sheets must be checked and any additional requirements must be met on all files.  All first reports are to be received by the client within 10 business days.  You are responsible for getting the report to the office so this time frame is met.

Building Damage Evaluation

A building damage appraisal is required on all claims we are assigned. The appraisal assignment includes: personal inspection, use of Xactimate estimating program to perform calculations and provide current pricing, note any old or unrelated damages, specify rooms and dimensions of damaged areas, if using labor and material, use production rates from National Publications, or company provided system, include a notation of emergency bills if applicable, note the tax rate for state/county and include overhead and profit on appropriate jobs or as instructed by the client.

On total loss evaluations, National Publications such as R.S. Means or Marshall & Swift are to be used to determine the Replacement Cost and/or Actual Cash Value of a risk. Agreement on this process must be obtained from our client.

Business / Personal Property

If requested by the client, a detailed BPP evaluation will be completed.  How the evaluation will be completed is dependent on the type of damage and extent of damage.

The assignment will include: a detailed inspection, detailed listing of damaged property/inventory, use of experts as needed to assist in evaluation of inventory/business personal property, application of coinsurance when applicable, determination of salvage potential and oversight of handling and adequate photographs to show both damaged and undamaged contents/inventory. The use of experts on a loss will be discussed with the client prior to being hired.


The client will supply coverage information. It is our responsibility to properly apply coverage. Efforts to obtain copies of forms and client’s interpretations will be ongoing. It is imperative that we note potential areas of concern and submit them as a question within the first report completed after discovery of the issue. The areas for such items are titled “Questions Submitted” and should be the FIRST item on any report where questions arise.

Time Element

Handling loss of use/Business Interruption/Extra Expense claims if requested by client are to be handled as follows: coverage review, clarify initial business interruption/extra expense reserves, ascertain accounting and document management protocol, monitor and audit all actual expenses incurred during the recovery period, compare the actual expenses to the planned, budgeted or standard costs, isolate any non-loss related factors contributing to the additional expenses, establish the extent of any saved or non-continuing expenses to develop true extra expense, reconcile and explain any accounting differences, determine if claimed extra expense served to reduce the loss, identify extra expenses claimed under Business Interruption that are part of a property damage claim and advise accordingly, provide regular status reports and meet with other professional and instructing principals to explain our findings, provide objective expert reports and testimony, if necessary, perform a detailed review of the company’s operational and financial records, interview key management, staff, suppliers and customers as appropriate, analyze industry data to estimate the real effect on profit relating to the interruption in business and market share, compare projected performance to the company’s actual performance during the period of interruption, consider non-loss related events and conditions that may impact sales during the period of recovery and calculate the damages solely attributable to the incident.