Covers costs of hiring experts (e.g., accountants, engineers) to support and document insurance claims after a loss

Estimated loss refers to the potential costs incurred from hiring professionals, such as forensic accountants or structural engineers, to prepare and certify insurance claims after a loss. We've based our estimate on the typical expenses associated with these professional services.

Standard property insurance policies may not cover the additional costs of professional fees required to substantiate and expedite your claim. This means you might have to bear these expenses out of pocket to ensure a fair and timely settlement.

USI works with carrier partners to include coverage for professional fees in your property policy. This enhancement covers the costs of necessary professional services to document and prepare your claim, ensuring you receive the full benefits without incurring additional expenses.

Typically, no. Because of USI's expertise in risk management and strong relationships with insurers, we're often able to provide you with highly tailored insurance solutions with increased coverage at no additional cost.

No. These recommendations are a preliminary hypothesis based on what we know about you. Once we're your broker, USI will determine what data we need to perform a comprehensive analysis of your property coverage needs.

Every property is different, and the level of risk depends on factors such as operational hazards, natural catastrophe exposures, and physical protection in place. We analyze the specific risk factors of your property and recommend enhancements based on those findings. Rather than overselling, our goal is to offer coverage that matches your property’s unique exposures, preventing you from having to bear the financial burden of unexpected repairs.

The claims process with these enhancements is straightforward. These coverage enhancements ensure that more of your property is protected, reducing the chance of disputes over what is or isn’t covered. We streamline the process by clarifying coverage upfront and working closely with your carrier to minimize delays or complications in the event of a loss.