Claims Assurance

H .G .BUSBY & ASSOCIATES

Assistance when it counts. When a business suffers from a disaster such as a fire or flood, we assist the insurer in measuring the damages in accordance with the insurance policy.

Our in-depth knowledge of the commercial insurance industry practices coupled with our accounting expertise produces results. We are able to quickly assess potential financial losses, establish verifiable loss calculations, and assist in the equitable resolution of claims.

We have assisted with thousands of commercial claims. Our investigative and forensic accounting services include the following:

* Business income losses
* Extra expenses
* Employee dishonesty losses
* Inventory losses
* Financial motive in connection with suspected arson
* Existence/valuation of business personal property
* Coinsurance ratios and determination of values at risk
* 3rd party income losses

We understand our clients’ needs. Our services are tailored around what is important to our clients: fast turnaround, reliable information and reasonable rates.

We leave no questions unanswered. We realize that each insured business is unique and the circumstances of each loss are also unique. Therefore, we perform a thorough and unbiased review of each claim and consider all relevant factors.

* Is the claim adequately documented?
* Are the accounting records accurate and reliable?
* Do the accounting records support the assertions in the claim?
* Were there efforts to mitigate the loss?
* Are historical operations consistent with the business conditions at the time of the loss?
* Was the business stable or unstable at the time of the loss? What did the future hold?
* Is income permanently lost or merely deferred to a later period?
* After the property is repaired, will business operations continue to be affected?
* Have all time deductibles, monthly limits and coinsurance conditions been accounted for?