Service Locations
We help all business owners with commercial adjusting services within British Columbia including:
- Vancouver
- Richmond
- Burnaby
- Coquitlam
- West Vancouver
- North Vancouver
- Surrey
- Langley
- Hope
- Chilliwack
- Kelowna
- Interior
- Kamloops
- Prince George
- Williams Lake
- Victoria
Professional Commercial Property Damage Adjuster Services
Your Advocate When Insurance Companies Fall Short
When disaster strikes your business, you shouldn’t have to fight insurance companies alone. Pythe Navis is Vancouver’s trusted public adjuster, dedicated to securing maximum settlements for business owners facing property damage claims. Unlike company insurance adjusters who work for the insurer, our independent insurance adjuster works exclusively for you.
Why Your Business Needs an Insurance Claims Adjuster
Property damage can devastate your business operations, but dealing with insurance companies often makes the situation worse. Most business owners don’t realize that insurance companies employ teams of adjusters whose job is to minimize payouts, not maximize them.
When your business faces property damage, hiring a skilled public adjuster can make the difference between a fair settlement and financial loss. The average commercial property claim in Canada reaches $285,000, yet many business owners receive far less than they deserve simply because they don’t understand the claims process.
Our experienced property damage insurance adjuster team understands the complexities of commercial claims in Vancouver. We’ve seen businesses lose thousands of dollars because they trusted the insurance company’s initial offer or failed to properly document their losses.
Comprehensive Public Adjuster Services We Provide
As your dedicated commercial property damage adjuster, we handle everything from documentation to final settlement. Our comprehensive public adjuster services include claim filing, documentation, negotiation, and settlement management.
Fire and Smoke Damage Claims
From kitchen fires to electrical incidents, we document every aspect of fire damage including structural issues, smoke contamination, and business interruption losses.
Water Damage and Flooding
Burst pipes, roof leaks, and flooding can cause extensive damage. We identify all affected areas, including hidden moisture damage that insurance companies often overlook.
Natural Disaster Claims
Vancouver’s weather can be unpredictable. We handle earthquake, windstorm, and flood claims, ensuring you receive compensation for both immediate damage and long-term structural issues.
Business Interruption Claims
Lost revenue during repairs can devastate your cash flow. We calculate and document all business interruption losses to ensure proper compensation.
Why Business Owners Choose Us
Business owners across Vancouver trust our licensed public adjusters to fight for maximum claim settlements. Here’s what sets us apart from other adjustment services:
Local Vancouver Expertise
We understand British Columbia’s insurance regulations and have established relationships with local contractors and restoration companies. This local knowledge helps us build stronger cases for our clients.
Proven Track Record
Our clients typically receive 40-60% more than initial insurance company offers. We’ve successfully handled claims ranging from small water damage incidents to major fire losses exceeding $500,000.
No Upfront Costs
We work on a contingency basis, meaning you pay nothing unless we increase your settlement. Our fee is a percentage of the additional money we recover for you.
Complete Claims Management
From the moment you call us, we take over all communication with your insurance company. You can focus on running your business while we handle the paperwork, negotiations, and follow-up.
Licensed and Bonded
All our adjusters are licensed in British Columbia and carry professional liability insurance. We meet all regulatory requirements and maintain continuing education to stay current with industry changes.
Our Proven Claims Process
Learning how to hire a public adjuster is crucial for protecting your business interests during the claims process. Here’s how we work:
1. Free Initial Consultation
We review your policy, assess the damage, and explain your rights. This consultation is completely free with no obligation.
2. Comprehensive Documentation
Our team photographs, measures, and catalogs all damage. We work with specialists when needed to identify hidden issues like structural damage or mold.
3. Claim Preparation and Filing
We prepare detailed claim documentation and submit everything to your insurance company. Our thorough approach prevents delays and denials.
4. Negotiation and Settlement
We handle all negotiations with insurance adjusters. Our experience with similar claims gives us leverage to secure better settlements.
5. Final Settlement
We review all settlement documents before you sign and ensure you receive every dollar you’re entitled to under your policy.
Need to Sue Your Insurance Coverage Provider?
When insurance companies refuse to play fair, sometimes the only language they understand is legal action. That’s where Pythe Navis truly sets itself apart from other public adjusters – we don’t just negotiate your claim and then hand you off to a lawyer when things get tough. Our team includes experienced legal professionals who can take your case all the way to court if necessary. Whether you’re facing bad faith denials, unreasonable delays, or settlement offers that don’t come close to covering your actual losses, we have the legal expertise to fight back. This seamless combination of public adjustment and legal services means you get stronger negotiation power from day one, and if your insurance company thinks they can wear you down with legal tactics, they’ll quickly discover they’re not just dealing with adjusters – they’re facing a legal team that knows exactly how to make them pay what they owe your business.
When Insurance Companies Say “No” - We Say “Let’s Fight”
Insurance claim denials can feel like a punch to the gut, especially when you’re already dealing with property damage and business disruption. Companies often deny claims citing non-disclosure issues, policy exclusions, or technical violations that weren’t clearly explained when you purchased your coverage. Common denial reasons include failing to report property rentals, not updating insurers about business operation changes, or missing disclosure requirements that seemed minor at the time. These denials can leave you facing massive out-of-pocket expenses just when your business needs support most.
That’s where our expertise becomes your advantage. Our licensed public adjusters know exactly how to challenge wrongful denials and turn “no” into “yes.” We dig deep into your policy language, gather the right documentation, and build a compelling case that insurance companies can’t ignore. With our professional representation, businesses typically see 20-40% higher settlements than they would handling claims alone. We’ve successfully overturned denials by proving coverage exists, demonstrating proper disclosure was made, or showing that exclusions don’t actually apply to your specific situation.
Don’t Let Underinsurance Leave You Underwater
Being underinsured is like having a safety net with holes in it – you think you’re protected until disaster strikes. Many business owners discover too late that their coverage limits fall short of actual replacement costs, especially with today’s inflated construction prices and rising property values. When you’re underinsured and file a claim, co-insurance penalties can slash your settlement dramatically. If your coverage is below 80% of your property’s actual value, you could face severe financial penalties that leave you paying substantial costs out of your own pocket.
Our public adjusters specialize in maximizing recovery even when you’re facing underinsurance challenges. We conduct thorough damage assessments, document every loss detail, and negotiate aggressively to secure the highest possible settlement within your policy limits. While we can’t create coverage that doesn’t exist, we can ensure you receive every dollar you’re entitled to under your current policy. We also help you understand how to avoid underinsurance in the future by properly evaluating your coverage needs and working with your insurance agent to adjust limits appropriately.
