A digital camera and computerized estimating program in the hands of an inexperienced adjuster or estimator can be costly. It takes an experienced, trained and licensed adjuster to determine causation, define the scope of damage, analyze alternative methods of repair and remain current with unit cost pricing to achieve an equitable adjustment. Communication and negotiation skills are crucial whether working with an insured, a broker or a public adjuster.

We recognize which building losses can be simply estimated and quickly resolved. These we differentiate from the more complex structural losses which often require the engagement and management of a team of experts. Daynard & Van Thunen adjusters pride themselves in knowing the proper approach to all building loss adjustments.

As specialists in Builders Risk losses, we are well acquainted with the unique nuances of evaluating direct costs, soft costs, and delay claims.

DVT procedures and protocols in adjusting Business Personal Property losses have been carefully developed to benefit all parties to the policy contract. We communicate the insurer’s promise and manage the policyholder’s expectations.

On all loss assignments we initiate immediate telephone and e-mail contact with the insured, broker (and public adjuster), proceed with determination of the cause of the loss, protect evidence and begin the loss measurement and reserve recommendation process. Issues of ownership interest, leasehold interest, custody, control, encumbrances and legal liability are addressed. Simultaneously, we proceed with quantity verification, valuation, mitigation and damage and salvage assessment.

Throughout the adjustment we continuously communicate our findings and make recommendations consistent with state mandated Fair Claims Practices. The Rights of the Insurer and the Insured alike are reserved and protected.

Our adjusters have the training, knowledge and vision to focus on the technical issues, anticipate pitfalls and make a proper and ethical recommendation of the loss. The “rush” assignment is our hallmark. We understand the broad picture--- a fair, timely and cost efficient adjustment.

Simple Business Interruption, Contingent Business Income, Extra Expense and other Time-Element claims should be evaluated and adjusted by a trained Adjuster without the use (and expense) of a Certified Public Accountant. We do it.

However, more complex and larger claims often require a qualified CPA to work with the adjuster without overlapping roles – the “Team Approach”.

Period of restoration, continuing vs. non-continuing expenses, complete vs. partial cessation of operations and “make up” are Business Income issues requiring adjustment and accounting expertise. Our abilities in these areas and experience in understanding financial records and the business interruption adjustment process separate us from the competition.

Daynard & Van Thunen Co. has been traditionally known as the “go to” firm on complex or problematic losses.

Nowhere is this more true than in the sphere of Ocean Cargo, Inland Marine, and Warehouse and Transportation claims where few of our competitors possess the requisite expertise.* Through experience and continuing education, we remain committed to providing our clients with the best Inland and Ocean Cargo adjusting services anywhere.

*Our founder Harold S. Daynard published several Inland Marine and Property Insurance Texts, including Paths and ByPaths, The Handbook on Transportation Losses and the two-volume treatise: Between the Lines.