Commercial Public Adjusting Services

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 Property Damage

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. An endorsement is an addition to an existing insurance contract that changes the terms of the original policy. A business owner can add or delete certain coverages to customize the policy to their needs. When there is a loss, significant time- consuming challenges usually occur because the business owner must juggle the claims process as well as working to get their business back up and running. After a loss, it is the business owner’s responsibility to mitigate their damage as to avoid any further loss to the property/business. There are many ways that a public adjuster can assist with this.

Commercial Damage

Roofing Systems

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. They are also more difficult to construct because there are more protrusions like vents to take into consideration. All Points Claim Advisors offers a Baseline Roof Assessment at no cost to you which includes written and photo documentation. This will enable you, if a storm should hit, to have on record documented proof of the condition of your roof prior to any inclement weather. Having this report will cut down the time of your claim considerably, since there will be no going back and forth with the insurance company as to the condition of your roof prior to any event. Our team is HAAG Engineering and OSHA certified, meaning our clients can have the peace of mind that their properties are properly assessed, and their claims are properly handled.

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.

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. Choose All Points Claim Advisors for all of your public adjusting needs.

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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. Business interruption insurance compensates you when you must suspend your operations due to physical damage requiring your business to close. Your property insurance will only cover the physical damage to your facilities, not the amount of business you lose due to an event. This insurance is an add-on and it can provide money for salaries, loss of business, and extra expenses incurred to mitigate your loss. You will have to make sure that your financials are in order if you wish to use this provision in your policy. It will require you to provide things such as tax returns, profit and loss statements, rent rolls and receipts if applicable. Always make sure that you ask your agent exactly what you are covered for with this endorsement. For example, we ran into a situation where a client had business interruption insurance and there was a hurricane. Understandably, he had to close for about 3 days during the storm. He assumed that there was coverage, because it was an actual named storm. It turns out that he was not covered. There was no order from the Governor that businesses had to close in his area. He lost over $50,000 because he did not understand his policy or did not take the right type of endorsement. As a business owner you must be proactive in making sure your policy covers what you expect. All Points Claim Advisors can help you manage your claim and we have experts who can assist you calculate your business loss during any situation that triggers this part of your policy. It is overwhelming to manage a claim, calculate business loss, and get your property back up on its feet again after any event. We are here to take most of the load off your hands, make things move much faster, and maximize your settlement according to your individual policy.


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. Special discounts can be provided for newer construction, storm panels and construction type. These discounts must be inspected by a wind mitigation specialist. Our Baseline Roof Assessment comes in very handy here after a windstorm loss. It will speed up your claim. Our office has handled many hurricane and windstorm claims. We have developed relationships in the industry which can go a long way towards the positive outcome of your claim settlement. As with most claims, these claims are tedious and time consuming and as a business owner your time could be much better spent getting your business back on track and leave the heavy lifting to us.



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. For example, if you have a business and your workers handle a chemical improperly and fumes spread and cause damage to your property, you would not be covered, because this was not intentional. It would be wise to note that commercial policies cover vandalism but not theft. The coverage will only pay for the damage to the building by the breaking in or exiting the building. What happens when you have both? This has been litigated with much confusion and conflicting judicial decisions, which is another reason why you need an expert on your side.

Whether your business was affected by a storm, fire, tornado, hail, plumbing issue, mold or even theft and vandalism we are here to help. We are trained to find hidden damage that can not be seen with the naked eye. We are also trained to foresee possible potential problems that could affect your business in the future.

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FL Lic. W011400 | SC Lic. 932095 | NC Lic. 0003557574