COMMERCIAL PROPERTY INSURANCE CLAIMS
A fire, flood, or storm that shuts down your business triggers one of the most complex insurance claims imaginable. Business interruption calculations, inventory documentation, code upgrades, lease obligations, and loss-of-income disputes all compound on top of the underlying property damage. The insurance company sends a team. You should too.
WHAT GOES WRONG
Commercial claims are among the most undervalued claim types in the industry. These are the problems we see most often.
Insurers often dispute the revenue baseline, the calculation period, or whether the interruption was caused by a covered peril. We document your actual financials to support the full BI claim.
Replacement cost for commercial inventory and specialized equipment is routinely underestimated. We catalog every item with supporting invoices, receipts, and market comparables.
Older commercial buildings almost always require code upgrades during repair. Insurers may exclude or minimize this coverage unless it is explicitly documented and claimed.
Your lease may require you to restore the property to a specific standard, a cost your insurer may try to exclude. We account for lease requirements in the claim scope.
When damage has multiple causes, some covered and some excluded, insurers default to the excluded cause. We document the sequence of events to establish the covered cause of loss.
Commercial claims often result in partial advance payments that fall short of actual losses. We track every payment, dispute shortfalls, and document delays for potential bad faith remedies.
DOCUMENTATION
OUR PROCESS
1
We read every page of your commercial policy, including property, BI, ordinance & law, and extra expense, then compare it against the documented damage to identify every covered loss category before the insurer sets the frame.
2
We document structural damage, inventory, equipment, business interruption losses, and code-upgrade requirements with the same rigor the insurer uses, then more. Every category gets its own line-item scope.
3
We present your documented claim directly to the insurer and negotiate on your behalf. When disputes arise over cause of loss, valuation, or coverage interpretation, we escalate using California Insurance Code and, where appropriate, appraisal processes.
4
We review every payment and release document before you sign. We do not close the file until all covered losses, including property, BI, extra expense, and supplemental items, are settled to your satisfaction.
WHO REPRESENTS YOU
The insurer's adjuster works for the insurer. We work for you.
Higher
Settlements with a public adjuster vs. without, per industry data.
$0
Upfront cost. Contingency fee only, regulated by the California Dept. of Insurance.
Same Business Day
Response when you contact us during business hours.
COMMON QUESTIONS
Commercial claims are significantly more complex than residential claims. Business interruption calculations, inventory valuations, code-upgrade requirements, and lease obligations all increase the risk of an underpaid settlement. A licensed public adjuster levels the playing field against the insurer's team.
Business interruption coverage compensates for lost revenue and ongoing expenses while your commercial property is being repaired after a covered loss. Insurers often dispute the calculation period or revenue baseline. We document your actual losses to maximize this portion of your claim.
No. California law gives policyholders the right to choose their own licensed contractors. Insurer-preferred contractors are paid by the insurer and may produce lower estimates. You are not required to accept their contractor or their pricing.
Ordinance or law coverage pays for the cost of bringing your building up to current codes during repairs, costs your standard policy may not cover. For older commercial buildings, this can be a significant portion of the total repair cost. Many insurers exclude it unless it is specifically claimed.
California Insurance Code requires insurers to acknowledge a claim within 15 days and accept or deny within 40 days of receiving proof of loss. Complex commercial claims often take longer. We keep the process moving and document every delay.
We work on a contingency fee, a percentage of the final settlement. There is no upfront fee. If we don't recover more for you, you pay nothing. Fees are disclosed in your contract before we begin and are regulated by the California Department of Insurance.
RELATED SERVICES
Fire is the most common cause of commercial property loss. We handle structural damage, smoke contamination, equipment losses, and business interruption caused by fire.
Fire Damage Claims →Burst pipes, flooding, and HVAC failures can cause extensive commercial property damage. We document all moisture-related losses including hidden damage and mold.
Water Damage Claims →A denial is not final. We review the denial letter, identify grounds for appeal, and reopen claims that were improperly closed, including commercial denials.
Denied Claims →Tell us about your loss. We'll tell you what your policy should cover and where the insurer may be falling short. No obligation. Same Business Day Response.