Commercial hurricane claims after Hurricane Isaias
Commercial hurricane claims are not larger versions of homeowner claims. One storm loss can involve several buildings, dozens of tenant spaces, multiple roof systems, equipment, contents, lost rent, and interrupted operations at the same time. Policyholder Advocacy Group documents the property building by building and coverage category by coverage category, so the claim presented to the carrier matches the loss the property actually took.
Request a Free Hurricane Inspection or call 800.511.2240.
Hurricane Isaias made landfall near Destin with 105 mph sustained winds
Nearly 55,000 Isaias claims filed statewide, and about 43,000 were still open weeks later
Santa Rosa County filed over 26,000 claims, and Escambia County filed about 17,000
Commercial properties we inspect
- Apartment complexes
- Condominium associations
- Shopping centers and retail buildings
- Hotels
- Storage facilities
- Warehouses
- Industrial buildings
- Office buildings
- Restaurants
- Churches
- Medical and professional buildings
What we inspect on a commercial property
A carrier's first scope usually starts with the most visible damage. A commercial loss hides in the systems. We inspect:
- Commercial roofing, including TPO, modified bitumen, BUR, and metal
- Roof membrane, insulation, flashing, and parapets
- Roof drains and scuppers
- Windows, doors, and storefront systems
- Exterior walls and the building envelope
- Interior water migration, floor by floor and unit by unit
- HVAC and rooftop equipment
- Electrical systems
- Tenant spaces and common areas
- Contents and equipment
- Signage and fencing
The financial side of a commercial loss
Physical damage is only part of what a commercial property loses. These areas may need to be evaluated under the policy:
- Business interruption
- Loss of rents
- Extra expense
- Temporary relocation
- Inventory
- Tenant improvements
We do not promise coverage. We document the loss and evaluate each area against the terms and conditions of your policy.
Where your claim stands right now
Not filed yet
We inspect and document the damage before you decide how to proceed.
Filed and underpaid
We compare the carrier's scope with the damage that is actually present, building by building.
Denied, or below the deductible
We inspect the property and review the claim file to identify disputed damage, scope, and valuation issues. A deductible on a commercial property can run into six figures, and a scope that comes in light can push a real loss under it.
Built for each kind of commercial owner
Apartment complex claims turn on unit by unit documentation. Multifamily properties share systems across households. Condo and HOA claims divide between the master policy and the unit owners. Shopping centers and hotels lose income while they lose rooms and storefronts. Property managers need one documentation system across a whole portfolio. Business interruption is its own claim inside the claim.
Why Policyholder Advocacy Group
The carrier's adjuster represents the carrier. A public adjuster represents the policyholder. Policyholder Advocacy Group has represented Florida policyholders since 2012, and Nathan Sheppard has worked insurance claims for 17 years. On cost: Our fee is a percentage of what we recover for you. If we recover nothing, you pay nothing. Without representation, many owners walk away with far less or nothing at all. We present the claim under the terms and conditions of your policy, so you pursue the full amount your policy owes you.
Start with the inspection
The inspection is free, and there is no obligation to hire us afterward. We document the damage and tell you plainly where you stand. Call 800.511.2240 or request your free hurricane inspection.