Experienced Public Adjusters represents Florida business owners when property insurance claims are underpaid, delayed, or denied. If your business suffered water, wind/hurricane, roof, fire/smoke, theft/vandalism, or other covered damage, we build a defensible claim file and negotiate for what the policy owes.
Free claim review + onsite inspection (where available). Call (888) 881-8416 or use the form on this page to request help.
Commercial Claims We Handle
- Water damage: pipe bursts, supply line failures, HVAC overflows, slab leaks, sprinkler leaks, roof leaks, storm-driven rain, and more. See: Water Damage Insurance Claims.
- Wind / hurricane: building envelope damage, roof systems, interior intrusion, storm-created openings, and related disputes.
- Roof damage: flat roofs, modified bitumen, TPO, tile/shingle systems—scope, testing, and documentation.
- Fire / smoke: structural fire damage, smoke/soot contamination, odor remediation, contents disputes.
- Business interruption / lost income: extra expense, suspended operations, partial shutdowns, and dependent property issues (where applicable).
- Vandalism / theft: forced entry damage, equipment loss, and secured inventory impacts.
- Mold / microbial growth: moisture-driven conditions and mitigation disputes (policy limits may apply).
Industries We Commonly Represent
- Restaurants, bars, and hospitality
- Retail stores and shopping centers
- Offices and professional buildings
- Warehouses and light industrial
- Medical / dental / clinics
- Multi-family, condos, HOAs, COAs
- Churches, schools, and nonprofits
Why Commercial Claims Get Underpaid
Commercial losses often become disputes because the carrier’s scope is incomplete or the documentation is too thin. Common issues include:
- Scope gaps: missed components, systems, code items, and specialty trades
- Operational impacts: downtime, extra expense, and revenue loss not fully documented
- Pricing and production disputes: labor, equipment, access, and schedule impacts
- Cause and origin disputes: roof vs. plumbing vs. storm-driven intrusion
- Matching / uniformity: affected finishes, continuity, and appearance issues
Our job is to document the loss correctly, support damages with evidence, and push the claim to a fair settlement under the policy.
Our Commercial Claims Process
- Free claim review: we confirm facts, coverages, and next steps.
- Inspection + documentation: photos, measurements, moisture mapping (as appropriate), and scope buildout.
- Estimate + support: trade-by-trade scope with supporting narrative and evidence.
- Carrier management: we respond to requests, attend re-inspections, and keep deadlines from harming your position.
- Negotiation: we pursue the best settlement supported by the policy and the facts.
Talk to a Commercial Public Adjuster
Fast triage. Clear scope. Defensible documentation. Settlement negotiation.
Call (888) 881-8416 for a free claim review, or submit your information and we’ll contact you.
Note: Coverage depends on your policy terms and the cause of loss. If there is active moisture or safety risk, mitigate immediately and preserve documentation.