Fire and smoke
Structure, contents, living expenses, soot and smoke remediation.
Public adjuster for commercial claims
Commercial property claims for owners and landlords.
When a business property is damaged, the building is only part of the loss. Equipment, inventory, tenant improvements and lost income all need to be documented and supported. We handle the claim so you can keep running the business.
What the claim covers
What a commercial claim can include.
Commercial policies are built from separate coverages. Each one needs its own documentation.
- Buildings. Structure, roofing, building systems and tenant improvements.
- Business personal property. Equipment, furniture, computers and fixtures.
- Inventory and stock. Raw materials, finished goods and merchandise.
- Business income. Lost profit and continuing expenses while you cannot operate.
- Extra expense. The added cost of a temporary location or of speeding up repairs.
- Rental income. For landlords, rent lost while units cannot be used.
What often gets missed
Where commercial claims come up short.
Coinsurance
Many commercial policies reduce the payment if the property was insured for less than a set share of its value. We check this first.
Code upgrades
Repairs may have to meet current code. Ordinance or law coverage can pay for it if your policy includes it.
Income after reopening
Sales can stay low after the doors reopen. Some policies extend business income coverage for a period after repairs.
Who insures what
Leases often split responsibility between landlord and tenant. We read the lease alongside the policy.
What to do now
Keep the paper trail from day one.
- Report the loss to your carrier in writing and note the date.
- Protect the property from further damage and keep records of what it costs.
- Pull together financial records: profit and loss statements, tax returns and payroll.
- Track every extra expense, such as temporary space, equipment rentals or overtime.
How we help with commercial claims
As your public adjuster, we document the building, equipment and inventory, price the repairs in Xactimate and organize the records behind your income claim. Then we present the claim and negotiate it with the carrier while you run the business.
- Building, equipment and inventory documentation
- A line-item Xactimate estimate
- Support for business income and extra expense
- Negotiation with the carrier through settlement
Related claims
Other claims we handle.
Water and flood
Burst pipes, appliance leaks, sewer backup and hidden moisture.
Wind, hail and roof
Roof, siding, gutters and the interior damage that follows.
We handle these claims as a licensed public adjuster in Idaho and Arizona. See our fees, read the common questions or look at all the ways we can help.
Get your free claim review.
Tell us what happened. One of our qualified staff will call you back within 1 business day to talk through your options. No obligation.