Carriers, Adjusters & Policyholders
Insurance Services
We work directly with carriers, adjusters, and policyholders to evaluate damaged artwork, document condition, and prepare clear, itemized treatment estimates. Each project is handled with detailed reporting, photographic documentation, and a structured scope that supports the claims process while preserving the integrity of the original work.
Overview
Accurate Documentation from the First Assessment
When fine art, documents, or specialty collections are damaged, the quality of the initial condition assessment shapes everything that follows: the treatment plan, the claims estimate, and the final resolution. We provide thorough, clearly written documentation that gives carriers, adjusters, and policyholders the foundation they need.
We work directly with insurance professionals throughout the claims process, from first notice of loss through treatment approval and final documentation. Our reports are structured for the claims workflow, not just for the treatment record.
For urgent stabilization needs
Water, fire, and vandalism damage is time-sensitive. Biological growth can develop on wet canvas and paper within 24 to 48 hours. Smoke and soot residue bonds to paint surfaces within days and becomes increasingly difficult to remove. Contact us immediately following a loss event. We prioritize emergency referrals from carriers, adjusters, and policyholders and will respond as quickly as possible to arrange an on-site assessment and begin stabilization.
Contact Us Now →Who We Work With
Serving Carriers, Adjusters, and Policyholders
Insurance Carriers
We provide independent condition assessments, line-item treatment estimates, and complete documentation packages for fine art and personal property claims. Reports are structured for carrier review and approval requirements at every stage of the resolution process.
Claims Adjusters
Adjusters handling art and specialty collection losses can rely on our reports for the technical detail needed to evaluate, approve, and close claims accurately. We respond promptly and communicate directly with adjusters throughout each engagement.
Policyholders
We guide private clients and families through the claims process, providing condition documentation, estimate support, and direct communication with carriers and adjusters on behalf of the insured from initial loss through final resolution.
Institutions
Museums, libraries, historical societies, and institutional collections benefit from our preservation assessments, treatment documentation, and insurance reporting services. We coordinate with institutional staff and their carriers as needed.
Services
What We Provide
Damage Stabilization
Emergency response to prevent further deterioration of water, fire, or smoke-damaged art and documents.
Condition Reports
Written assessments documenting the pre-treatment state of each object with photography and damage mapping.
Line-Item Estimates
Treatment estimates structured with separate labor and materials line items for carrier and adjuster review.
Salvage Coordination
Assessment and documentation of objects to determine salvage feasibility and estimated treatment cost.
Insurance-Supported Restoration
Full treatment services with all documentation structured to support the claims file from start to finish.
Expert Opinions
Written assessments of restoration feasibility, treatment options, and expected outcomes for disputed or complex claims.
Damage Types
Types of Damage We Address
Water and flood damage
Fire and heat damage
Smoke and soot deposits
Vandalism, including paint, scratches, and physical impact
Transit and handling accidents
Documentation Package
What's Included
- Written condition report with pre-treatment observations
- Photographic documentation under normal and UV light
- Damage area mapping diagram
- Line-item treatment estimate
- Salvage assessment where applicable
- Final treatment record and post-treatment photography
Emergency Response
Emergency Stabilization
Water and fire damage to art and documents are emergencies. Biological growth can develop on wet paper and canvas within 24 to 48 hours. Smoke deposits can permanently bond to paint surfaces within days. The sooner a qualified specialist assesses the situation, the more can be saved.
We accept emergency referrals from adjusters, carriers, and policyholders. Contact us immediately following a loss event to discuss stabilization options and to schedule an urgent assessment. We prioritize these inquiries and respond as quickly as possible.
Time-Sensitive Damage
Water Damage
Biological growth can develop on wet paper and canvas within 24 to 48 hours. Tide lines set quickly. Immediate stabilization dramatically expands what can be saved.
Fire & Smoke
Soot and smoke residue become increasingly difficult to remove as they oxidize and bond to surfaces. Early assessment prevents further irreversible damage.
Vandalism & Impact
Physical damage to paintings and objects should be stabilized before any handling. Moving a damaged work incorrectly can cause additional losses.
Flood & Transit Accidents
Objects recovered from flood events require controlled drying and immediate documentation before the damage record is lost.
Working on a claim that involves fine art or documents?
We work with carriers and adjusters to provide the documentation and treatment services needed to resolve fine art and personal property claims.