Commercial Property & Vehicle Insurance Claims

We handle virtually every commercial property category: office buildings, retail centers, restaurants and hospitality properties, industrial and warehouse facilities, multifamily residential investments, churches and nonprofits, healthcare and medical office facilities, and mixed-use commercial-residential buildings. If your business owns or leases a property that suffered a covered loss, we can help evaluate your claim.

Commercial policies are significantly more complex than personal lines. They often involve multiple coverage forms, business interruption provisions, equipment breakdown endorsements, flood riders, and higher deductibles. The dollar amounts at stake are larger, and insurance companies deploy more sophisticated claims teams for commercial losses. Our commercial adjusters have the large-loss experience to match them. We know which policy provisions carriers routinely use to limit payouts.

Business interruption insurance compensates you for income your business loses when a covered property event forces a closure or reduced operations. Calculating BI correctly requires analyzing pre-loss revenue, fixed operating expenses, the actual period of restoration, and whether you have extra expense or extended period of indemnity coverage. Carriers frequently undervalue these claims. We use forensic accounting methods to document and prove your actual economic loss, not the carrier's estimate of it.

In most states, yes. Policyholders generally have the right to reopen a claim within the policy's applicable statute of limitations, even after a settlement check has been issued. We have recovered additional funds on claims that business owners believed were fully closed. A free review will tell you whether your settlement left money on the table and whether pursuing it makes sense.

We work on pure contingency. There are no upfront fees and no retainer required to engage us. Our fee is a percentage of the settlement we recover on your behalf. If we do not improve your outcome, you pay nothing. This structure aligns our financial interest exactly with yours: the more we recover, the better the outcome for everyone involved.

Yes. A denial is not necessarily the end of the road. Many commercial claims are denied due to incomplete documentation, carrier interpretation disputes, or missed physical evidence. We review the denial letter, re-inspect the property, and rebuild the claim file with a specific focus on addressing every reason the carrier cited. We have successfully overturned commercial claim denials and recovered full settlements for business owners who were told they had no coverage.

Yes. Restaurants, food service operations, and retail businesses represent some of the most complex commercial claims we handle because they combine property damage with significant business interruption exposure. A restaurant closed for two months while repairs are made loses not just the building but all of the revenue it would have generated. We document and fight for both the property loss and the full economic loss your business suffered during the closure period.