Services
Thoroughbred Unlimited, Inc. is proud to be of service to you and your company. Assignments are accepted nationwide and handled directly by our principal adjuster.
Service Overview
Lines of coverage we adjust
Commercial & Residential Property
Building and business personal property losses of every cause: fire, explosion, wind, hail, water, collapse, vandalism and equipment breakdown. Scope, estimate, actual cash value and replacement cost analysis, code upgrade exposure, salvage and subrogation referral.
Business Income & Extra Expense
Time-element loss measurement for manufacturing, distribution, service and retail insureds. Period of restoration analysis, continuing and non-continuing expense, extended business income, contingent exposure, and coordination with forensic accountants.
Property Insurance Appraisals
Appointments as appraiser or umpire under the appraisal provision. An independent, documented determination of the amount of loss, delivered with a record that stands up to review.
Farm Property & Equipment
Farm dwellings, barns, poultry and livestock houses, grain handling and storage, irrigation systems, and mobile and stationary farm equipment — including the time-element exposure that follows a farm loss.
Agriculture & Food
Contaminated, adulterated and spoiled product; cold storage and refrigeration failure; processing and packaging plants; wine, dairy, tobacco and protein operations. Product valuation, disposal, recall exposure and reconditioning.
Earthquake
California Earthquake certified. Structural and non-structural damage assessment, deductible application, ordinance and law exposure, and business interruption arising from seismic events.
Flood
National Flood Insurance Program certificate holder for residential, manufactured, small commercial, large commercial and condominium (RCBAP) risks, alongside private flood and storm surge assignments.
Inland Marine & Builders Risk
Course-of-construction losses and builders risk failures, contractors equipment, property in transit, installation floaters, and photovoltaic, industrial and specialty equipment claims.
Catastrophe Response
Ready to deploy when the storm clears.
More than fifty named catastrophes adjusted and managed — hurricanes, tornado outbreaks, major earthquakes, hail events and floods across the United States.
Catastrophe work is a different discipline from daily claims. It demands rapid mobilization, a scoping standard that holds up across dozens of buildings, disciplined reserve reporting while conditions are still changing, and the judgment to identify which files on a storm list are the ones that will actually drive the outcome.
Core Services
How assignments are handled
Every file receives the same treatment, whether it is a single building or a multi-site program.
Major Loss Investigation
Site control, evidence preservation, scope of damage and a working theory of the loss established in the first days, not the first month.
Fire & Explosion Investigation
Origin-and-cause coordination, fire-scene documentation, and the subrogation and product-liability questions that follow.
Forensic Engineering
Retention and management of structural, mechanical, electrical and roofing consultants, with findings tied back to policy language.
Equipment Consulting
Photovoltaic, industrial, processing and specialty equipment — repair versus replacement, obsolescence and lead-time analysis.
Construction Defect
Separating defect from resulting damage, and identifying the exposure that is covered from the exposure that is not.
Marine Investigation
Inland marine, cargo and property in transit, including losses in the care, custody or control of others.
Digital Forensics
Preservation of electronic records, production data and accounting systems needed to prove a time-element loss.
Litigation Support
A file built to be produced: clean documentation, defensible measurement, and support through examination and trial.
Specialty Expertise
Assignments that do not fit the standard adjusting bench — and the honest assessment of when they should not be taken.
Ready to assign a loss?
Send the details and we will respond the same business day. Emergency and catastrophe assignments are accepted by phone.