Church & Non-Profit
Claim Advocacy.
Carriers issue suppressed estimates to religious institutions expecting them not to challenge. That calculation is always wrong when we’re involved.
How Carriers Suppress Church & Non-Profit Claims
Church and non-profit claims face a specific form of suppression: carriers assume that mission-driven organizations lack the resources or inclination to fight. This assumption is exploited systematically.
Historical Material Undervaluation
Older church structures are built with materials — custom stonework, stained glass, tongue-and-groove hardwood, ornamental millwork — that modern replacement costs far exceed. Carriers apply generic depreciated values. We force replacement cost documentation.
Congregation Disruption Exclusion
Loss of use for religious institutions includes the cost of alternative worship space, cancelled programs, and community service disruption during restoration. Carriers routinely exclude these.
Code Compliance Omission
Older church structures trigger ADA compliance requirements, fire suppression mandates, and electrical code upgrades upon reconstruction. Carriers default to excluding O&L coverage unless explicitly forced.
Specialty Contractor Suppression
Restoration of historic or ornamental elements requires specialty contractors. Carriers use generic labor rates that bear no relationship to the actual cost of the work the policy obligates them to fund.
How We Rectify It
Every church and non-profit claim we take receives the same forensic intensity as our largest commercial losses — because the policy obligates the same standard of recovery.
Historical Replacement Documentation
We commission specialty contractor estimates for every historical, ornamental, and custom element — creating a documented replacement cost record the carrier cannot dispute with generic pricing.
O&L Coverage Enforcement
We apply full Ordinance & Law analysis, forcing recovery of ADA upgrades, fire suppression costs, and electrical system mandates the carrier excluded.
Alternative Use Documentation
We document the congregation’s cost of alternative worship facilities, cancelled programs, and lost community service operations as a covered loss-of-use claim.
Financial Alignment: We charge a strict 10% contingency fee on the Replacement Cost Value (RCV) of the total claim recovery above the carrier’s existing offer. No increase on the claim, no fee. If we do not recover more than the carrier already offered, our services cost you nothing. The initial review is always free.
Church Claim: $1,781,221 carrier offer → $3,040,344 final settlement (+71%)
The Review Is Free
Find out in 24 hours whether you have a recoverable claim. No obligation. No upfront cost.