Andrew K. Knox & Company will advise and assist you with support and consultation in the following areas:

General Methods:

  1. Review and analyze all insurance policies, in order to maximize recovery and identify your duties under those policies.
  2. Review any and all pre-loss appraisals and estimates which could affect the claim.
  3. Evaluate the procedures being followed to mitigate damages and implement repairs.
  4. Coordinate and integrate all areas of the claim preparation project with on-going operations and the overall recovery process.
  5. Coordinate the necessary experts and “expert reports” to support and assemble the claim.
  6. Assist in the coordination of advance payments from the insurance company.
  7. Coordinate all inspections and meetings to be conducted with the insurance company representatives including their “outside experts”.
  8. Provide regular status reports to you and your advisers.
  9. Review all claim data with you, prior to providing such material to the insurance company and their representatives.
  10. Conduct and/or participate in settlement discussions with the insurance company.
  11. We will hold in strictest confidence relating to your personal privacy or business operations.

Property Damage:


  1. Instruct you or your management to start actions which will mitigate the loss.
  2. Analyze and investigate all “on-site” property damage to the building.
  3. In accordance with policy requirements, prepare details of the loss using replacement costs and actual cash values where applicable.
  4. Prepare a well-documented claim to be submitted to the insurance company.



  1. Analyze and investigate all “on-site” property damage to the contents including furniture, fixtures, machinery, equipment, computer systems, etc.
  2. In accordance with policy requirements, prepare details of the loss using replacement costs and actual cash values where applicable.

Business Interruption:

  1. Advise management on how to start collecting and developing information, i.e. track impact of loss through the general ledger accounts for extra costs, work around inefficiencies of operation and payroll of those not working.
  2. Determine the period of suspension.
  3. Determine sales or the sales value of operation.
  4. Determine cost of sales/promotion.
  5. Determine claim limitations (actual loss sustained).
  6. Determine and evaluate discontinued (saved) expenses.
  7. Determine expediting expenses; expenses related to reducing the loss.
  8. Determine consequential losses.
  9. Prepare financial projections.
  10. Provide total business interruption claim management to insure a smooth marriage with the property and other portions of the claim.

Extra Expense:

  1. Analyze and advise management on extra expenses which are necessitated and covered.
  2. Coordinate tracking of extra expense items to insure collectibility.
  3. Determine excess over normal expenses.
  4. Advise management as to what would qualify as extra expense, i.e. auditors and accountant’s fees, interest expense and fines.
  5. Determine period of indemnity.
  6. Integrate the extra expense claim with the property damage claim.
  7. Present and support the claim.