Commercial claims would include damage to common areas in condominiums, homeowners’ associations, hotels, shopping centers, restaurants, retail stores, high rise office buildings, apartment buildings and any other structures in which one conducts business. It would also include business interruption and damage to industrial equipment used in your business and more.
Commercial public adjusters handle the entire claims process for you from start to finish.
They file the claim, inspect the damage, and document the scope of the damage and provide a detailed estimate as to the cost of putting the business back to its pre-loss condition. They also review the policy in depth, manage the claim, send in and review documents, handle phone calls, coordinate inspections, negotiate the settlement on your behalf and maintain constant contact with you as to the progress of the claim. In most cases specialists are required on such claims which can be referred such as engineers, contractors, roofing specialists, master plumbers, attorney’s, and even accountants to assist in calculating business interruption figures. We will not settle a claim for you without your authorization and will always offer all alternatives available, and guide you based on our years of experience. Our team of experts combined with our extensive experience allows us to maximize and expedite your financial settlement under your policy provisions.
Commercial property damage is unique because the policies are structured differently than a residential policy. Typically, they are structured to the individual needs of the business and have specific endorsements that apply to that business.
Roofing systems that are commercial are designed totally different than residential systems. For the most part, commercial roofs have little pitch or are completely flat. Usually they are much larger than residential roofs and need more repair and maintenance.
Hurricanes on the east coast, tornadoes and hailstorms in the Midwest, and landslides or earthquakes on the west coast could all inflict immense damage to your companies’ facilities. Even a simple fire in the kitchen could cause devastating loss to a restaurant if it must be closed for weeks.
A windstorm can be described as a wind of sufficient force to proximately cause damage to the ordinary condition of the thing insured. It covers damage from hurricanes, tropical storms, cyclones, hail or anything else categorized as a windstorm. Having windstorm insurance is required in Florida.
Vandalism is another type of claim that can be covered in a commercial insurance policy. Vandalism can be defined as the willful and malicious damage to or destruction of a covered property. The key is that there must be some sort of malicious intent otherwise this type of loss will not be covered.
Commercial property damage is unique because the policies are structured differently than a residential policy. Typically, they are structured to the individual needs of the business and have specific endorsements that apply to that business.
Roofing systems that are commercial are designed totally different than residential systems. For the most part, commercial roofs have little pitch or are completely flat. Usually they are much larger than residential roofs and need more repair and maintenance.
Windstorm loss can be described as a wind event of sufficient force to proximately cause damage to an otherwise undamaged building or structure. Policy coverage for windstorm or hail is limited to three basic provisions.
Hurricanes on the east coast, tornadoes and hailstorms in the Midwest, and landslides or earthquakes on the west coast could all inflict immense damage to your companies’ facilities. Hurricanes are both fascinating and horrifying. Besides the obvious structural damage caused by a hurricane, there is so much more to contend with when own a commercial building or business.
Business Interruption insurance compensates you when you must suspend your operations due to physical damage requiring your business to close. However, in business interruption claims there are specific criteria that must be met as per the policy. There are three basic types of Business Interruption insurance coverage.
Vandalism is another type of claim that can be covered in a commercial insurance policy. Vandalism can be defined as the willful and malicious damage to or destruction of a covered property. The key is that there must be some sort of malicious intent otherwise this type of loss will not be covered.
Insurance companies usually send out their best adjusters on commercial claims due to their complexity. Hiring a public adjuster will most likely influence the positive outcome of your claim, as government studies have proven those who use a public adjuster recover between 30% to 40% more than those who do not. Our team has adjusted and closed over 5000 claims, both commercial and residential and we are licensed in several states. It is our mission to work your claim to the highest standards while keeping your best interests at heart. Our goal is to develop a relationship with our clients that lasts for years, not one claim. Inspections are free and we do not get paid unless you do.
+ We have closed over 5,000 claims
