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Facebook Twitter Linkedin YouTube
        Toll Free Hotline
1-800-777-3333
About Us
& Personnel

Retaining NFA
Clients
Case Studies
Commercial
& Industrial

Governmental
& Institutional

Residential
& Condo

Articles
& Misc


NFA home
1-800-777-3333
Facebook Twitter Linkedin YouTube
About Us
& Personnel

Retaining NFA
Clients
Case Studies
Commercial
& Industrial

Governmental
& Institutional

Residential
& Condo

Articles
& Misc




Case Studies

9/11

NFA Team Dispatched to NYC for 9/11 Ground Zero Claims

NFA personnel inspect the roof of Century 21, a famous lower Manhattan department store directly across from where the World Trade Center towers stood. The devastation of 9/11 caused major damage to the Century 21 building and the store's contents which were covered with ash and soot. NFA was retained to assist the owners with their financial recovery and the store was open for business quickly.

NFA also served several other businesses during 9/11 including brokerage firms, restaurants, office buildings, athletic clubs, financial institutions, medical centers, and other retailers. NFA also handled the losses for Monster.com and Sbarro Inc.

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Atalanta Foods

Elizabeth, NJ

When there are multiple insurance policies, written through separate insurance companies, AND coverage limits that are applied to specific causes of loss this can make for a rather difficult and challenging scenario. That is exactly what Atalanta Corporation, of Elizabeth, NJ, was facing in the aftermath of Superstorm Sandy.

Atalanta Corporation, a food brokerage facility, suffered extensive damages from Superstorm Sandy, in October of 2012. The facility not only sustained damage from over 3 feet of floodwaters, but also from Wind and Fire as well. Atalanta quickly turned to the experts at NFA to assist them in the handling of their complex insurance claims.

Atalanta’s primary insurance company argued that the “Proximate Cause of Loss” was flood, and therefore the Flood Policy Limit would only apply. NFA combated the insurance company’s position on “Proximate Cause of Loss” and applicable Coverage Limits. NFA was successful in their arguments and was able to recover in excess of the Flood Policy Limit.

NFA then faced challenges with the insurance carrier who insured Atalanta’s cargo. The insurance carrier attempted to argue that again, only the Flood Policy Limit would be applicable. NFA objected to their position and was, once again, successful in their arguments, allowing the insured to be able to recover significantly over the Flood Policy Limit.

In addition to assisting Atalanta recover well in excess of the Policy Limits that two insurance carriers were attempting to apply, NFA was also able to recover the full value of Atalanta’s commercial flood policy, written through the National Flood Insurance Program.

NFA, and its team of dedicated and hard working adjusters, took all the insurance carriers head-on in their efforts to get the insured “every-penny” they were entitled to under all insurance polices and was successful in settling Atalanta Corporation’s insurance claims for all it was entitled to receive.

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Chelsea Piers

Manhattan, New York

Chelsea Piers, a 30 acre sport complex located on Manhattan's west side water front, was one of many Commercial Losses NFA handled after the facility took on over 5 feet of floodwaters from Superstorm Sandy.

Chelsea Piers has a long-standing history that spans over 100 years. Originally constructed in 1910, Chelsea Piers was designed to service Luxury Ocean Liners, some of which included the famous Lusitania and Mauretania. Chelsea Piers was also the intended destination for the maiden voyage of the Titanic. However, the “un-sinkable ship” struck an iceberg and sank on April 14, 1912, just two days prior to its scheduled arrival.

After sitting vacant and in disrepair for over 25 years in 1994 Chelsea Piers began a $100 Million dollar, privately funded reconstruction project bringing the facility back to life as a sports and entertainment complex. Chelsea Piers now featured a golf club, skating rink, bowling lanes, a health club and gymnastic center, as well as television and film production studios.

On October 29, 2012 Superstorm Sandy wreaked havoc to a large section of Chelsea Piers. The facility quickly took on over 5 feet of water, causing damage to the entire first floor of the facility; including the gymnastics field house, soccer field, basketball courts, multi-level golf driving range and ice skating rink.

NFA was instrumental throughout the claims process and with NFA’s hard work and dedication, NFA was able to negotiate enough of an advance payment from the Insurance Company that Chelsea Piers was able to re-open a large section of their complex within one month of the storm. Working closely with Chelsea Piers dedicated staff and through careful negotiations with their insurance carrier, NFA settled their insurance claims far beyond what Chelsea Piers had anticipated.

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Diamond Carpet Warehouse Devastated

Snow & Fire Causes Millions in Damage

Diamond Rug & Carpet Mills, Inc. was breaking industry records for growth and profits. Financial projections predicted another banner year.

However, during the early morning of March 13, one of the most powerful storms of the century dumped a record two feet of snow in northern Georgia. The roofs of four of Diamond's six manufacturing plants collapsed. Most of the machines were damaged and sensitive equipment and inventory was exposed to freezing temperatures and huge amounts of water from melting snow and broken sprinkler lines.

While workers were using acetylene torches to expedite the reconstruction process, a fire accidentally ignited at Diamond's distribution center and burned for over two weeks. The warehouse was completely destroyed and total damages exceeded $100 million. The company was virtually wiped out.

Having no experience in preparing insurance claims of this magnitude, Diamond hired National Fire Adjustment Co., Inc. NFA retained numerous experts to inspect and analyze the damaged and destroyed equipment as quickly as possible and to assist the company in commencing operations.

"NFA's insight was invaluable to Diamond," said Diamond president Ralph Boe. "They understood our insurance coverages, our building damages, our stock valuations, our equipment losses and , especially, our business income and extra expense claims," he added. "NFA was instrumental in enabling Diamond to receive substantial partial payments from the insurance company, and this allowed us to stay afloat while we rebuilt the company. We knew they had other losses to adjust, but they always made us feel like we were their only client."

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Hurricanes Charlie, Frances, Ivan, and Jeanne

Widespread Losses

Handled losses caused by all four hurricanes to shopping centers, condominiums, golf courses, restaurants, food processing plants, automotive centers, and private residences.

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Joplin Schools

EF-5 Tornado, Joplin, Missouri



Joplin High School, Joplin MO devastated by EF-5 Tornado;
Joplin High School - sign of hope; New Joplin High School

The Spring of 2011 saw one of the worst tornado seasons in U.S. history, and no place was harder hit than Joplin, Missouri. When the EF-5 tornado rendered several public schools little more than a mass of twisted girders, the Joplin School District turned to NFA to help them evaluate the seemingly intractable amount of damage. Said Paul A. Barr, Chief Financial Officer of the Joplin Schools, "... your herculean efforts will enable us to obtain a much better settlement than we ever would have achieved on our own or working with a less-qualified insurance adjusting firm."


Irving Elementary

Joplin High School

East Middle School
 

Joplin High School

Franklin Technical Center

Old South Middle School
 

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Re-opening Joplin High School
(L-R) Paul Barr, CFO Joplin Schools;
Dr. C.J. Huff, Superintendent Joplin Schools;
Ron Papa, President NFA;
John M. Coulf, Executive General Adjuster, NFA

Latex Foam International

Massive Factory Fire - Ansonia, CT

The Latex Foam Products complex in Ansonia, Connecticut was destroyed in a fire that ravaged its 284,000 square foot production plant. Damages were in excess of $50-million, effecting more than 200 employees. NFA's team of adjusters, CPAs, building appraisers, and property estimators worked on this major loss that achieved the insurance recovery within months.

The Latex Foam fire was one of the most dramatic factory destructions in recent years. Due to NFA's coordination, the company was able to operate on an emergency basis from temporary locations. Getting this claim adjusted and finalized promptly and efficiently was of utmost importance to the policyholder.

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Miami Metro Zoo

Delaware North Companies, Inc.

Hurricane Andrew tore through Florida and most of the Eastern Seaboard causing an unbelievable amount of damage to homes and businesses. At the Miami Zoo, the high winds ripped off the entire second floor of a preformed concrete pagoda restaurant and dropped it back onto the first floor.

NFA was retained, and convinced the insurance company that the restaurant was a total loss. The claim was settled in full.

"NFA worked swiftly and thoroughly to get us more than we expected, and it came with no hassle. NFA did an excellent job."

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Rochester Industrial Complex

Rochester, New York

A 180,000 square foot building in the West End Business Center and Industrial Complex in Rochester, N.Y. was destroyed by a three-alarm blaze in November 1995. The loss was in excess of $5 million dollars and NFA represented the policyholder with their insurance recovery.

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Salvatore's Italian Gardens

Lancaster, New York

Salvatore's Italian Gardens had been a Buffalo landmark for over 25 years. Owner Russ Salvatore was out of town the night a fire destroyed his business. When he arrived the next morning, he hired NFA and they helped coordinate the cleanup and reconstruction process as well as settle the claim. One week after the fire, Russ had his first check to begin rebuilding. Because of NFA's experience and diligence, Salvatore's was open for business quickly.

"NFA secured large cash advances from the insurance company for me. This freed me up to rebuild my restaurant as fast as I possible could." -Russ Salvatore, Owner

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Superstorm Sandy

United States East Coast

In October of 2012, Superstorm Sandy dominated the headlines. This unprecedented storm began as most do, as a Tropical Strom off the coast of the Caribbean. It quickly escalated to a Category 3 Hurricane, as it ravaged the people of Jamaica, Cuba and the Bahamas, causing over $400 Million dollars in damages prior to slamming into the East Coast of the United States, changing history forever.

Although the storm weakened losing Hurricane status prior to making land fall in New Jersey, the timing could not have been worse. The sheer size of the storm, along with record high tides that were expected on the Outer-Banks of North Carolina, New Jersey and New York only aided this storm in its destructive path.

Water levels rose rapidly and areas that had never seen flooding, were now engulfed by water. Battery Park, the southern most point of Manhattan, had reports the water level rose nearly 14 feet. This not only caused substantial structural damages to buildings, but also destroyed a large section of NYC’s subway system, the lifeline of the city.

Breezy Point, NY was hit twice. First by the floodwaters, then by a devastating 6 alarm fire. With the streets impassable by floodwaters, local firefighters were unable to gain access to the initial fire, which then quickly spread causing over 130 homes to be completely destroyed.

Power Outages were wide spread, from North Carolina to Maine. Some areas were without power for weeks. Neighbors found themselves dependent on neighbors lucky enough to have generators. However, keeping those generators filled began to be an issue, as a large number of Gas Stations were without power themselves. Gas stations that did have power or back-up generators found their supply quickly exhausted, causing Gas Lines evoking memories of the Oil Crisis in the 1970’s.

In the wake of Superstorm Sandy, NFA dispatched its Large Loss and Catastrophe Unit to assist those affected by this horrific event. In addition to the large number of residential claims NFA’s was retained to handle, NFA was retained on a number of Commercial losses including Chelsea Piers and Atalanta Corporation.

NFA’s President, Ronald J. Papa was asked to testify on behalf of policyholders, at the National Association of Insurance Commissioners held in Washington, D.C. where he provided members of the Committee, along with members of Congress, insight into the claims practices and more specifically the mishandling of Sandy flood claims. After receiving enormous pressure, the National Flood Insurance Program (NFIP) agreed to re-open thousands of Sandy Flood claims, allowing home and businesses another “bite at the apple.”

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Virgin Islands Hotel

NFA Assists Virgin Islands Hotel After Two Massive Hurricanes

September 17, 1989 was a rough night at the Holger Danske Hotel in Christiensted, US Virgin Islands. Hurricane Hugo walloped the entire Caribbean area causing heavy damage. The water level rose so high that a sailboat was dumped right into the lobby.

The Holger Danske was devastated a second time in 1995 when Hurricane Marilyn pummeled the region.

NFA worked with the Holger Danske's owners on the financial recovery of both disasters. Despite heavy losses sustained from the hurricanes, the hotel today remains one of the most popular in the Virgin Islands.

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Wheeling Downs Race Track

Wheeling, West Virginia

Wheeling Downs Race Track in Wheeling, West Virginia almost disappeared under massive volumes of water when the Ohio River overran its banks in January 1996.

This popular greyhound race track is located on an island in the middle of the river and suffered more than $2 million in damages. The NFA team was quickly on the scene to assist the track owner with settling the claim.

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Torch Award
Corporate Headquarters:
One NFA Park
Amherst, NY 14228-1187

Toll Free
1-800-777-3333
Phone (716) 689-7700
Fax (716) 689-7768
nfa.com
Contact Us
Ask an Expert


National Association of
Public Insurance Adjusters


Building Owners & Managers
Association International


New York Public Adjusters Association, Inc.


Texas Association of Public Insurance Adjusters


National Emergency Management Association


Florida Association of Public Insurance Adjusters


Pennsylvania Association of Public Adjusters


New Jersey Public Adjuster Association


Massachusetts Association of Public Adjusters

Copyright © 2015, National Fire Adjustment Co., Inc., All Rights Reserved       Site Map
Corporate Headquarters:
One NFA Park
Amherst, NY 14228-1187
Toll Free 1-800-777-3333
Phone (716) 689-7700
Fax (716) 689-7768
nfa.com


Torch Award
Contact Us
Ask an Expert

National Association of
Public Insurance Adjusters


Building Owners & Managers
Association International


New York Public Adjusters Association, Inc.


Texas Association of Public Insurance Adjusters


National Emergency Management Association


Florida Association of Public Insurance Adjusters


Pennsylvania Association of Public Adjusters


New Jersey Public Adjuster Association


Massachusetts Association of Public Adjusters

Copyright © 2015, National Fire Adjustment Co., Inc., All Rights Reserved       Site Map
Corporate Headquarters:
One NFA Park
Amherst, NY 14228-1187

Toll Free 1-800-777-3333
Phone (716) 689-7700
Fax (716) 689-7768
nfa.com


Torch Award
Contact Us
Ask an Expert

National Association of
Public Insurance Adjusters


Building Owners & Managers
Association International


New York Public Adjusters Association, Inc.


Texas Association of Public Insurance Adjusters


National Emergency Management Association


Florida Association of Public Insurance Adjusters


Pennsylvania Association of Public Adjusters


New Jersey Public Adjuster Association


Massachusetts Association of Public Adjusters

Copyright © 2015, National Fire Adjustment Co., Inc., All Rights Reserved       Site Map