Your Advocate for Full Recovery After Earthquake Losses
What We Do and How We Handle Your Claim
- Thorough Property Inspection – We perform a complete walkthrough of your commercial property, identifying both visible and hidden seismic damage. This includes exterior walls, roofs, foundations, interior partitions, ceilings, flooring systems, and structural supports.
- High-Resolution Evidence Gathering – Using professional photography and Matterport 360° imaging, we capture every angle of damage, ensuring nothing is missed and providing indisputable proof for your insurance claim.
- Expert Engineering Assessments – We coordinate with licensed structural and seismic engineers to uncover damage that may not be immediately visible, such as compromised load-bearing walls, misaligned frames, or foundation settlement.
- Comprehensive Repair & Replacement Estimates – We prepare detailed Xactimate estimates covering structural repairs, replacement of damaged business equipment, restoration of tenant improvements, and rebuilding of specialized commercial spaces.
- Business Interruption Analysis – We calculate the financial impact of downtime, lost revenue, additional expenses, and relocation costs to ensure your operations are fully compensated under your policy.
- End-to-End Claim Management – From initial notification to final settlement, we handle all insurer communication, documentation submission, and negotiation to secure the maximum payout.
Common Businesses We Represent
- Office Buildings & Professional Suites – From multi-story corporate offices to small business suites, we handle earthquake claims involving structural wall cracks, ceiling displacement, foundation shifts, damaged IT infrastructure, and loss of critical business equipment.
- Retail Stores & Shopping Centers – Clothing boutiques, electronics retailers, and shopping plazas often suffer broken storefront glass, damaged shelving, fallen merchandise, and compromised roof structures after seismic events. We ensure every repair and inventory loss is fully documented.
- Restaurants, Cafes & Food Service – Earthquake vibrations can cause ceiling collapse, equipment tip-overs, refrigeration damage, and plumbing failures. We capture all damages, including spoiled inventory and lost revenue from closure.
- Industrial & Manufacturing Facilities – Factories, warehouses, and production plants can sustain machinery misalignment, cracked floors, structural compromise, and inventory loss. We coordinate with engineers to document both visible and hidden damages.
- Healthcare & Medical Facilities – Hospitals, dental offices, and clinics face unique challenges, from damaged diagnostic equipment to compromised sterile areas. We ensure high-value equipment replacement and patient service disruptions are fully compensated.
- Hospitality & Lodging – Hotels, motels, and resorts often experience guest room damage, pool and spa cracking, elevator malfunctions, and loss of bookings. We document every structural and operational impact to secure maximum settlement.
Common Types of Commercial Earthquake Damage Claims
Common Types of Commercial Earthquake Damage Claims
- Structural Damage – Earthquakes can cause severe harm to building frameworks, including cracked or collapsed walls, compromised foundations, shifted load-bearing beams, and roof separations. Structural instability often requires engineering inspections and extensive reconstruction to restore safety and compliance with building codes.
- Facade & Exterior Failures – Masonry, stucco, glass panels, and exterior finishes may fracture or detach, creating falling hazards and exposing interiors to the elements. Damage to storefronts, signage, and awnings not only impacts safety but also reduces a business’s professional appearance and customer accessibility.
- Interior Build-Out & Fixture Damage – Shaking can damage drywall, drop ceilings, flooring, partitions, cabinetry, and permanent fixtures. Office spaces, retail layouts, and restaurant interiors often require significant repairs or full replacements to restore functionality.
- Equipment & Inventory Loss – Machinery, shelving, refrigeration units, and delicate instruments may shift, tip, or collapse during a quake. Inventory can be destroyed by falling debris, crushing, or toppling racks, resulting in substantial product loss.
- Utility & Mechanical System Failures – Gas line ruptures, electrical malfunctions, broken water lines, and damaged HVAC units can halt operations entirely. These systems often require specialized repair or full replacement to meet safety and operational standards.
- Secondary & Related Losses – Burst pipes or sprinkler system failures can cause flooding, mold growth, or electrical hazards after the quake. Business interruption from closures or relocation can result in significant lost income and additional operating expenses.
The Paramount Difference
Precision, Advocacy, Results — The Paramount Way
If At Paramount Public Adjusters, we go beyond simply filing claims — we protect your financial recovery every step of the way. Our advantage comes from a unique combination of deep industry expertise, cutting-edge documentation tools, and relentless advocacy for our clients.
- Local Expertise, Statewide Reach – Based in Southern California, we understand the unique challenges posed by earthquakes, wildfires, water losses, and other regional risks. Whether your property is in Los Angeles, Orange County, Ventura, or anywhere in California, we know the insurance landscape and local building codes.
- Comprehensive Damage Documentation – We use high-resolution photography, Matterport 360° virtual tours, moisture mapping, and industry-standard estimating software to ensure every detail of your loss is captured and valued accurately.
- Specialized in Complex & High-Value Claims – From multi-story commercial buildings to luxury estates, we handle claims involving multiple damage types, extensive repairs, and significant business interruption losses.
- Aggressive Negotiation with Insurers – We don’t simply submit your claim and wait. We actively negotiate with carriers, counter lowball offers, and use documented evidence to demand the maximum settlement you deserve.
- Full-Service Advocacy – From the initial inspection through final settlement, we handle the process so you can focus on getting your property — and your life or business — back to normal.