Commercial and Institutional Losses
Roy, Morissette & Associés Inc.
A Strategic Partner to Restart Your Operations After a Loss
A forced interruption of your business's operations creates significant financial stress. Your insurer and the adjusters it appoints must compensate you, but they keep a tight rein on costs. It is up to you to demonstrate the losses you are suffering.
Our firm and our experts support you in documenting and filing your claims, while developing the best settlement strategies based on your coverage and your actual needs.
Protect the future and stability of your business and your assets.
Building Damage Estimates
We define the extent of the damage and the scope of work to arrive at the most accurate estimate for restoring your building.
Complete survey of the areas, load-bearing structures, and systems affected
Consideration of the regulatory requirements specific to each type of building and use
Assessment of reconstruction value for the application of co-insurance clauses
Damage estimate and detailed comparison with the insurer's figures
Calculation of replacement value for the application of the co-insurance clause in cases of underinsurance
Contents Appraisal
We quantify your merchandise, materials, and equipment at their fair replacement value.
Complete and rigorous physical inventory
Technical documentation adapted to the verification requirements of the industry
Calculation of depreciation rates based on objective factors to protect the value of business assets
Business Interruption Losses
We translate your financial statements and your business's trends into a clear demonstration of projected revenue and the harm suffered during the shutdown.
Calculation of loss of profits
Calculation and negotiation of the extra expenses needed to restart operations
For institutions, deployment of emergency budgets to ensure continuity of care and services
Recovery Strategy
We act as partners to develop a logical recovery plan that allows you to maximize your compensation, meet your contractual obligations, and propel your business toward its goals.
In-depth analysis of insurance coverage and possible allocations
Development of plans to retain key employees
Development of strategies to maintain operations and retain customers
Settlement Negotiation
We become your authorized representative and sole point of contact with the insurance company for the duration of the file.
In-depth analysis of your complex commercial policies
Technical defence of the discrepancies identified in relation to the appraisal report produced by the insurer
Focus your energy on running your operations, not on claims procedures
Cyberattacks and Cyber Risks
Coming soon.
Your Operations, Protected at Every Step
Whether you run a business or an organization, your file receives the same rigour. We do not take on files where we cannot make a difference.
