What does pre-loss condition mean?

There may be some damage to your commercial property and facility that existed prior to the loss. Therefore, these damages will not be included in the scope of repairs. We are responsible for returning your commercial property to how it was before the damage occurred, in other words, to its pre-loss condition, using materials of like-kind and quality. At your request, we will provide you with an estimate for any additional construction projects you may wish undertaken by our team. This additional work is termed, “non-insured work.”

What is a code or by-law upgrade?

A code or by-law upgrade is an upgrade that is made when your commercial property’s pre-loss condition no longer meets legal building codes. Your insurance company may recognize code upgrades in the estimation process. Any questions regarding code upgrades should be directed to your Insurance Adjuster.

Cleaning, Disinfecting, Sanitizing, Sterilizing. Know the Difference.

As our world is changing in so many ways to adapt to the risks of the COVID-19 pandemic, our knowledge and understanding of the meaning of these four terms requires clarification and definition.

The following are definitions for key clea

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