Industrial Losses
Roy, Morissette & Associés Inc.
A Dedicated Service for Complex Technical Infrastructure
A loss at a plant instantly paralyzes your operations and jeopardizes your commitments to your customers.
To see things more clearly, better understand your insurance coverage, and file claims, our firm acts as a claims adjuster to defend your interests across Quebec.
Develop the best strategies to restart your operations.
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
Complete survey of the damage at the loss site
Consideration of compliance requirements and mandatory code upgrades
Complete assessment based on the true value of your facilities
Calculation of replacement value for the application of the co-insurance clause in cases of underinsurance
Contents and Tooling Appraisal
We appraise your heavy machinery, automated systems, and specialized equipment at their replacement value.
Detailed technical inventory including factory specifications and the maintenance condition of the machines
Rigorous documentation of new replacement value
Handling of the inventory of merchandise, materials, equipment, and office contents
Business Interruption Losses
We precisely quantify the financial impact of each day of downtime in your manufacturing production.
Analysis and justification of projected revenue based on industry trends and the company's history
Determination of the profit percentage based on the company's reality, its recent investments, and projected optimizations
Complete accounting modelling to justify reimbursement of fixed operating expenses
Recovery Strategy
We guide you through restarting your production according to your imperatives, your needs, and your objectives.
Logistical oversight for temporary subcontracting or the partial or complete transfer of your production
Analysis of recovery costs under multiple scenarios
Respect for your priorities while maintaining a long-term vision
Settlement Negotiation
We are the only ones representing your interests in dealings with your insurance company's representatives.
Clause-by-clause review of the limits and coverages of complex industrial policies
Highlighting local market realities against insurance companies' price lists
Analysis of your insurance coverage and your short-, medium-, and long-term objectives to get the most out of your claim settlement
Expertise That Rises to Your Challenges
An industrial loss requires sharp expertise and in-depth knowledge of the damage insurance field. Let our team show you the full extent of its expertise and the added value it brings from the very first days of its involvement.
The more complex the file, the more our rigour matters.
Let's discuss your situation.
