Hospital & Medical

In the aftermath of a property damage incident to your medical facility, you and your medical staff have far more important issues to address than the tedium that comes with settling an insurance claim. That’s where we come in. While you focus on your patients and staff, our team of experts (from forensic accountants, building estimators, inventory specialists, and licensed public adjusters) help level the playing field to ensure you receive everything you are owed pursuant to your insurance policy.

Why Choose Us?

Since 1941, our team of expert loss consultants has been dedicated to relieving our clients of the burden involved with the aftermath of an insured property loss. We handle every aspect of the claims process, from assessment and documentation to negotiation, ensuring you receive a fair and timely settlement. With GGG/AI by your side, you can focus on what truly matters – the smooth operation of your medical facilities and the satisfaction of your patients and staff.

What We Do

Thorough Evaluation: As insurance professionals, we understand all areas of your policy, including coverage limitations, restrictions, coinsurance requirements, law and ordinance provisions, policy time-deadlines, etc.

With You the Whole Way: We meet with you often to discuss your business operations and create the right claims strategy to fit your immediate needs and long-term goals. Our experts stay in constant communication with you and the insurance company as we execute a plan that achieves your priorities. We will inspect and document the damaged property thoroughly.

Securing Equitable Settlements: We advocate for a swift and fair settlement from your property insurer to protect your interests and maximize your recovery.

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In the aftermath of significant property damage, you're left wondering about the best course of action to accelerate your recovery.
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You contact your insurance company, anticipating that they will promptly send out an adjuster and provide the coverage you have paid for. However, your claim will impact your insurer's financials – will their adjuster look out for your best interests?
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This dynamic reveals the delicate balance between your needs and the financial intricacies of the insurance industry. Navigating this landscape effectively is crucial to ensure appropriate recovery, in accordance with the coverage you have paid for.

We Can Help

Understanding the "fine print" of your insurance policy before engaging in substantive discussions with your property insurer is essential. How the claim is presented and how the coverage is utilized can make a dramatic difference in your recovery amount. Our in-depth analysis of the policy, and expert guidance, built upon over 80+ years of experience in the insurance claims industry, is invaluable to your full recovery.

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Key Considerations for Your Insurance Claim Process

Following a property damage loss, what are the duties and responsibilities of the policyholder?
Are there extra expenses needed to maintain patient care during repairs (e.g., renting temporary facilities, expedited construction costs)?
What specialized equipment & inventory losses should I be particularly concerned about?
What medical equipment was damaged and if it is repairable, how does that affect claim valuation? How does policy coverage address high-value equipment like MRI machines, surgical robots, etc.)?
Were any pharmaceuticals or medical supplies lost due to contamination or temperature changes (e.g., vaccines requiring refrigeration)?
Are property owners required by their insurance company to protect the property from further damage and to mitigate the extent of the loss?

What if the insurance company’s representatives do not arrive for days – what immediate steps should be taken by the policyholder, if any?
Does the policy cover costs associated with bringing damaged areas up to current building and health codes? Are there additional costs for infectious disease control upgrades or ventilation improvements? Will repairs trigger seismic, ADA, or fire safety upgrades beyond what existed before the loss?
Were critical infrastructure components (HVAC, backup generators, water filtration systems) impacted?
Is there mold, asbestos, or biohazard contamination that requires specialized remediation?
What is the estimated timeline for repairs, and how does it align with the facility’s operational needs?
Are there liability concerns related to injuries caused by the incident (falling debris, water leaks, electrical failures)?
Did the damage force patient evacuations, and were there associated costs (transportation, temporary housing)?
How does insurance address potential lawsuits from patients or employees due to service disruptions?
Do the independent building consultants brought in by the insurance company work for the policyholder or for the insurance company?
What does your loss of income claim entail?
Does the policy cover increased labor costs for 24/7 construction to speed up reopening?
Will any temporary solutions (e.g., portable operating rooms, rental generators) be reimbursed?
Does the policy require mitigation steps (e.g., using approved contractors, adhering to specific timelines)?
Is it beneficial for your property to be considered a total loss? Why might it not be?
Does your insurance coverage include a coinsurance provision? How will that impact your claim?

The Difference We Make

GGG/AI works exclusively for YOU, the policyholder, not for the insurance company. Our insurance professionals have managed and negotiated thousands of claims after every type of property damage disaster. With offices across the US and an unmatched network of expert resources, we swiftly and equitably navigate the claims process towards successful resolution.