Why Every Business and Commercial Property Owner Should Have a Public Adjuster on Speed Dial!!! When disaster strikes a commercial property, whether in the form of fire, wind, water, or structural collapse—two crises erupt at once. The first is obvious and physical: damaged buildings, interrupted operations, endangered revenue. The second is less visible but equally critical: navigating an unfamiliar property-insurance claim process, written in dense legal language and managed by professionals whose incentive is to protect the insurer’s balance sheet. For business owners and commercial landlords, retaining a licensed public adjuster converts that second crisis into a strategic opportunity, delivering quantifiable financial, operational, and legal benefits. 1. Understanding “Who Represents Who” Carrier adjusters and the “independent” firms they hire work for the insurance company. Their baseline estimate often becomes the ceiling; anything they overlook can remain permanently unpaid unless the policyholder mounts a challenge. A public adjuster represents the opposite side of the ledger as they exclusively represent policyholders, never the insurance company. Trained in policy interpretation, construction estimating, and time-element accounting, the public adjuster identifies every dollar of coverage the owner actually purchased—code upgrades, debris removal, professional fees, contingent business interruption, and more. A landmark study by Florida’s Office of Program Policy Analysis & Government Accountability found that policyholders who retained public adjusters received settlements up to 800 percent higher than those who handled claims alone1. Case studies from national adjusting firms show similar results in the commercial arena: six- and seven-figure gains earned simply by documenting hidden mechanical damage, extended lost income during permitting delays, or the cost of temporary relocation for tenants. 2. Compressing the Timeline to Cash Speed is revenue in a commercial setting. Every week a hotel’s rooms sit unrepaired, or an apartment complex remains half-vacant translates directly into lost net operating income and erosion of asset value. A public adjuster accelerates cash flow by submitting a complete, evidence-backed claim package early in the process, reducing back-and-forth information requests that typically stall payment. The adjuster also tracks every statutory deadline—proof-of-loss filings, appraisal election windows, depreciation-holdback periods—so funds are not forfeited by administrative oversight. Florida Legislature, Office of Program Policy Analysis & Government Accountability (OPPAGA). Public Adjuster Representation in Citizens Property Insurance Corporation Claims Extends the Time to Reach a Settlement and Also Increases Payments to Citizens’ Policyholders. Report No. 10-06, January 2010 3. Reclaiming Executive Bandwidth Preparing a large claim can absorb hundreds of staff hours: coordinating emergency vendors, photographing damage before cleanup, creating contents inventories, gathering historical financials, meeting on-site with carrier representatives, and arguing technical line-items from replacement-cost databases. Few CFOs or property managers can spare that bandwidth while simultaneously guiding operations back to normal. Public adjusters shoulder those administrative burdens, freeing leadership to focus on customers, employees, and reopening strategies rather than forensic spreadsheets. 4. Bringing Deep, Specialized Expertise Commercial claims often involve complexities far beyond structural repairs. A restaurant must tally contaminated food, business interruption, and extra-expense costs for temporary kitchen space. A data-center landlord faces uptime guarantees, specialized HVAC, and tenant SLA penalties. Public adjusters maintain networks of building-engineers, restoration chemists, industrial hygienists, forensic accountants, and code consultants, among others, who know exactly how to quantify such losses. Their expert reports are written in the formats carriers and, if necessary, courts accept—eliminating guesswork and increasing credibility. 5. Ensuring Compliance and Reducing Legal Risk Insurance policies are contracts; mishandling them can lead to outright denial or costly litigation. Public adjusters keep the file audit-ready: documenting mitigation steps to satisfy “duties after loss,” preserving evidence, and maintaining meticulous communication logs. Should the claim escalate to appraisal or courtroom proceedings, the adjuster’s records and testimony often provide decisive leverage, saving owners both legal fees and reputational risk. 6. Cost-Effective, Contingent Compensation Unlike attorneys or hourly consultants, public adjusters are compensated by a state-regulated percentage of the additional money they recover. That contingent model means no upfront fees, no billing for meetings or phone calls, and no payment at all if the settlement does not improve. In essence, the adjuster’s interests align perfectly with the owner’s: maximize covered dollars as efficiently as possible. 7. Safeguarding Relationships and Reputation Many owners worry that hiring a public adjuster “antagonizes” their insurer. In practice, carriers interact with public adjusters daily; most state statutes explicitly recognize the role. A well-prepared, professionally argued claim often smooths the relationship by supplying the insurer with the documentation it needs to justify payment to its own auditors. Far from straining goodwill, the process can strengthen respect between sophisticated policyholders and carriers who appreciate thorough, fact-based submissions. Conclusion In an era when commercial margins are tightening and disasters seem to strike with increasing frequency; public adjusters provide an indispensable edge. They transform an opaque, adversarial claims process into a transparent, data-driven negotiation—maximizing settlements, accelerating cash flow, and safeguarding executive attention. For business owners and commercial property investors, engaging a qualified public adjuster is not merely a contingency plan; it is a strategic investment in asset protection, operational resilience, and bottom-line performance. Florida Legislature, Office of Program Policy Analysis & Government Accountability (OPPAGA). Public Adjuster Representation in Citizens Property Insurance Corporation Claims Extends the Time to Reach a Settlement and Also Increases Payments to Citizens’ Policyholders. Report No. 10-06, January 2010 Brandon Glasser Regional Loss Consultant Globe Midwest Adjusters International205 W. Wacker, Chicago IL 60606. Suite 510Office (312) 222-9033|Cell (312) 919-8961 www.globemw-ai.com

Unlocking U.S. Real Estate A Guide for Indian Investors Exploring EB-5 Opportunities The United States has long been a beacon for global investors seeking financial stability, economic growth, and a pathway to permanent residency. For Indian investors, the EB-5 Immigrant Investor Program offers a unique confluence of these benefits, making it an attractive proposition. This article delves into the intricacies of the EB-5 program, the emerging opportunities in U.S. real estate, and the critical factors Indian investors and realtors must consider.  Understanding the EB-5 Program : The EB-5 Immigrant Investor Program, established by US Congress in 1990, provides a pathway for foreign investors to obtain U.S. permanent residency (a green card) by making a qualifying investment in the United States.  Investment Requirements :  A minimum investment of $800,000 in a Targeted Employment Area (TEA) such as a rural area or highunemployment zone, or $1,050,000 in other regions.  The investment must create or preserve at least 10 full-time jobs for U.S. workers. For Indian investors, the program not only offers a direct route to U.S. residency but also an opportunity to participate in one of the most dynamic real estate markets in the world. The investment must create or preserve at least 10 full-time jobs for U.S. workers. Opportunity Zones vs. Areas of Potential Growth : Opportunity Zones are specially designated areas aimed at fostering economic development through tax incentives. Investing in these zones offers several advantages:  1. Tax Benefits : Significant tax deferrals and reductions on capital gains.  2. Lower Entry Costs : Opportunity Zone projects often have competitive pricing due to incentives provided by state and local governments. However, Opportunity Zones may not always align with highgrowth real estate markets. Areas outside these zones, such as urban centers or suburban tech hubs, might offer higher capital appreciation potential and stronger rental yields. For Example :  Opportunity Zones : Ideal for long-term investors seeking stable, government-backed incentives. Examples include redevelopment projects in rural areas or economically distressed neighborhoods.  Non-Opportunity Zones : Areas like Austin, Texas, or the suburbs of Silicon Valley offer immense potential due to rising tech industry demands and population growth. Investors must balance tax benefits with growth potential, depending on their risk appetite and investment horizon.  Key Financial Considerations 1. Government Fees : EB-5 investors must pay a processing fee to U.S. Citizenship and Immigration Services (USCIS).  I-526E Petition Filing Fee: Approximately $3,675.  2. Legal and Professional Fees : Legal fees for preparing the application range from $15,000 to $30,000, depending on the complexity of the case.  Professional fees for business plans, economic impact studies, and escrow management are typically $5,000 to $15,000.  3. Project Investment Cost : While the minimum investment is set by law, additional due diligence costs for evaluating the project can range between $2,000 and $10,000.  4. Other Incidental Costs : Visa processing fees,travel expenses, and potential state taxes may add to the total investment.  Real estate professionals are normally paid referral fees by the seller of the property in US or may also charge consulting fees to the prospective Indian investors, jointly with their counterparts in US.  Timeline and Process Overview :  The EB-5 process typically spans several years:  1. Initial Petition Filing (Form I-526E) : Processing time ranges from 1.5 to 3 years.  2. Conditional Residency Approval : Investors and their families receive a 2-year conditional green card.  3. Removal of Conditions (Form I-829) : After proving job creation and maintaining the investment, permanent residency is granted. For Indian investors, current visa retrogression (backlog) may slightly extend these timelines, depending on demand. The EB-5 program is more than an immigration pathway; it is a strategic opportunity to participate in the world’s leading economy. Why U.S. Real Estate is Ideal for EB-5 Investors : U.S. real estate offers a compelling mix of stability and growth:  1. Diversified Asset Classes : From residential properties to commercial complexes, investors can choose from a wide range of projects.  2. Attractive Yields : Urban multifamily housing and logistics centers in growing metros offer competitive returns.  3. Asset Appreciation : The U.S. real estate market has shown consistent appreciation, especially in high-demand states like Florida, Texas, and California. Also there are some specific investment areas like warehousing, hospitality, etc that have shown good growth in the recent years.  Maximizing Opportunities : The Realtor’s Role For realtors and professionals in India, facilitating EB-5 investments is a lucrative opportunity:  1. Educating Clients : Indian investors often require detailed guidance on U.S. market dynamics, legal processes, and financing options.  2. Building Networks : Partnering with U.S.-based EB-5 regional centers, legal advisors, and developers can streamline the investment process.  3. Promoting Transparency : Ensuring clients conduct due diligence on EB-5 projects helps protect their interests and builds trust.  A Call to Action : The EB-5 program is more than an immigration pathway; it is a strategic opportunity to participate in the world’s leading economy. As Indian investors look beyond traditional markets, U.S. real estate stands as a pillar of growth, stability, and opportunity. For realtors, aligning with the needs of Indian investors in navigating the EB-5 process can open new avenues for collaboration and business growth. Together, let’s bridge the gap between continents and unlock the potential of U.S. real estate for Indian investors.  Let Me Guide You on Your EB-5 Journey : Navigating the EB-5 investment process requires expertise and a deep understanding of both U.S. real estate and immigration policies. Whether you’re exploring potential projects, evaluating opportunity zones, or need guidance on the legal and financial aspects, your US representative can provide personalized solutions tailored to your investment goals.  Let’s unlock the door to U.S. opportunities together!.  This article is authored by Pradeep B Shukla, a seasoned U.S.-based real estate professional with over 20 years of experience in global investments. For inquiries on EB-5 investment opportunities,  Please contact pbs98@hotmail.com or 847-343-2118.

ASARP Outlines Vision For Expansion and Empowerment The Association of South Asian Real Estate Professionals (ASARP) recently held a major planning session in Gurnee, IL with a new President Sunita Kakarlapudi. The event showcased ASARP’s unwavering commitment to supporting South Asian players in the real estate sector and encouraging teamwork and creativity among industry players. First on the agenda, Past President Shirin Marvi encouraged the audience with inspiring words from the floor. She urged the attendees to work towards the improvement of the organization’s structures and to place their efforts in line with the goals and objectives of ASARP. ‘I believe that we are at a crucial point in ASARP development.’ Ladies and gentlemen, we are here tonight to build something that will stand the test of time and will genuinely change lives,” she stated with a team spirit of the event. For instance, Chairman Pradeep B. Shukla stressed the clarity of thought and operations by quoting ‘Alice in Wonderland’. Well to quote the famous words of Abraham Lincoln: “If you don’t know where you are going any road will get you there,” he said. These are among the words he used and they struck the heart by emphasizing the importance of having a vision, mission, and goal to steer the organization’s long-term development of, ASARP. Sunita Kakarlapudi gave her presidential induction speech about the incoming year, which was filled with challenging and motivational goals. These were such activities as the membership drive of ASARP, the formation of partnerships with other such organizations as the Main Street Organization of Realtors, and the sending of a landmark delegation to New Delhi in March 2025. This delegation is designed to enhance cooperation with NAR India following the earlier trade mission with ASARP of Chicago. One of the major points of discussion during the meeting was a debate on the role of women: empowered Females by Harsha Shukla. She stressed the need to ensure diversity and inclusion in all the activities of ASARP. “It is not merely about giving women a voice and a chance to be seen—it is about giving them a chance to effect real change in the industry,” she said animatedly. All the time across the evening, the leaders of ASARP have presented and forwarded ideas on achieving the goals of membership and forging close networks amongst members. Nick Verma, Raj Patel; and Nimish Jani identified some ideas on how to add more data to ASARP’s collection; Bhailal M. Patel urged the audience to get back to the 2025 activities plan developments. “I therefore call upon our collective support in terms of time, effort, and resources to ensure that ASARP gains the necessary strength to deliver its goals effectively,” he said. The event also placed a lot of stock on togetherness; they wanted the message, ideas, and vision to be one. Credibly, Mohan Kakarlapudi and Bimal Pandhi committed to members’ satisfaction, promising that ASARP would feel like an active and friendly society. However, Mita Jani and Malti Pandhi brought new concepts to the organization aiming at achieving higher levels of performance. At the time as the meeting was in progress and was coming to an end, the leadership of ASARP was very much inspired and committed plus there was strong group solidarity. The dependency on each other to enable South Asian real estate professionals and promote culture as such was evident in all conversations. During this planning meeting, all the attendees were reminded that ASARP is a support and voice for professionals of South Asian heritage, and the leadership of the organization paves the way for a better tomorrow. Combined, the organization is set to record better results as it advances its core service delivery, growth, and power to empower.