Commercial Property Claims
A damaged building or storefront costs you twice: the repairs, and the income lost while you wait. We document both and build the claim around your policy.
What We Look For
Commercial claims have more moving parts. We check each one against your policy.
Building
Damage to the building, fixtures, and improvements
Business property
Business personal property: equipment, inventory, and furnishings
Business interruption
Business interruption: income lost while you cannot operate
Extra expense
Extra expense to keep operating, such as a temporary location
Tenant improvements
Tenant improvements, if you lease the space
Code upgrades
Code-required upgrades during repairs, if your policy covers them
Rental income
Lost rental income for landlords
Spoilage
Spoilage and stock loss
What To Do Right Now
You are dealing with a lot. These steps protect your safety and your claim.
Secure the property. Keep people safe and protect what is left from further loss.
Report the loss. Tell your insurer, and your landlord or tenant if your lease requires it.
Document everything. Photograph and video the damage, and record the inventory affected.
Save your income records. Keep sales reports, payroll, and invoices that show what you lost.
Track extra expenses. Keep receipts for temporary repairs and relocation.
Call us before you accept an offer. There is no cost to review your claim.
Commercial Claims Questions
What Is Business Interruption Coverage?
It can replace income you lose while a covered loss keeps you from operating. Whether you have it, and any waiting period, depend on your policy.
What Records Do I Need For Lost Income?
Typically financial statements, tax returns, sales records, and payroll. We tell you what applies to your claim.
Do You Handle Rental Properties And Condos?
Yes. We work on rental, condo, HOA, and commercial property claims.
Who Is Responsible If I Lease My Space?
It depends on your lease and what each party insures. We review both the lease and the policy.
How Long Does A Commercial Claim Take?
Commercial claims are often more complex and can take longer. We explain the likely timeline in your free review.
Other Claims We Handle
Fire Damage
Structural fire loss, documented room by room.
Learn More about Fire Damage
Water Damage
Leaks, appliance failures, and flooding, with full drying and repair scopes.
Learn More about Water Damage
Underpaid Claims
Lowball offers, missed line items, and estimates that fall short of real repair costs.
Learn More about Underpaid Claims