Large Loss – What Does That Mean?

Does an Insurance Company Treat a Large Loss Disaster Differently?

These are all great questions, and as a large loss can be categorized in several different ways, there are several answers. You can look at it by dollar volume, by the size of the affected space or perhaps by the complexity of the loss. Even the size of the overall disaster can result in most all damage in an area being categorized as a large loss. One approach that we’re always aware of is that when property damage has occurred in your home or business, it’s always a large loss to you, so every project we work on is a big deal, and we treat it that way.

Single Structure Loss

  • For definition purposes, we often use $50,000 as a break point of what really constitutes a large loss for a single structure or home.
  • It could also be the number of floors of a multi-story building affected, two or three floors are affected, or
  • The size of the facility and square footage is such that it would constitute and be defined as a large loss.

 Weather Disaster

A real weather disaster that has destroyed multiple homes, communities or even sometimes most of a section of a town or city is fairly easy to understand as a large loss. Some of the more memorable hurricanes and tornados recently have resulted in Billions upon Billions of dollar damage:

  • Tornado – Moore, OK
  • Hurricane Sandy – New Jersey and New York coastlines
  • Tornado – Joplin, MO
  • Tornados – Alabama, Georgia, South & North Carolinas, Tennessee
  • Hurricane Katrina – Alabama, Louisiana, Texas
  • And so, so much more…

This type of damage is almost always considered as a large loss and certainly requires a massive large loss type response from all involved.


We Exclusively Represent the Policyholder (NOT the Insurance Company) for commercial & residential property Owners, Property Managers, Lenders, Special Servicers and Legal Professionals in need of professional large loss insurance claim settlement services such as…

  • Policy Interpretation
  • Claim Documentation
  • Adjusting
  • Estimating
  • Consulting
  • Analysis
  • Claim Liaison
  • Forensic Accounting

We specialize in large commercial losses on damaged properties such as Homes, Apartments, Multifamily, Condominiums, Office Buildings, Retail Centers, Hospitals, Schools, Universities,  Senior Housing, Government Buildings, Industrial, Hotels, Sports and Entertainment buildings that have been impacted by disastrous events such as… Fire, hail, wind loss, pipe bursts, hurricanes, tornadoes, flood, collapse, vandalism, business interruption and other disasters.

We will review your policy, physically inspect your property, document evidence of damage, estimate replace/repair cost of damage and provide an opinion of any potential claim.

Speak to a Public Adjuster! Call for a Free Consultation
(833) 593-6975

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