Insurance Claim Services

Commercial Property Damage Claims

Expert support for structural and interior property damage claims resulting from fire, severe storm, or vandalism.

• Structural damage to office buildings, retail centers, warehouses, and industrial facilities
• Interior damage including drywalls, ceilings, flooring, and electrical infrastructure
• Exterior envelope damage: roofs, siding, glass, and exterior masonry

Business Interruption Claims

Recover lost net income and continuing operating expenses when property damage halts or reduces your business operations.

• Lost net revenue and business profits during the indemnity period
• Ongoing fixed operating expenses like payroll, lease payments, taxes, and debt service
• Extra expenses incurred to minimize downtime or operate from a temporary location

Inventory & Equipment Damage Claims

Comprehensive recovery for damaged raw materials, finished stock, specialized machinery, and commercial tools.

• Raw inventory, work-in-progress stock, and finished retail merchandise
• Specialized manufacturing machinery, heavy equipment, and production lines
• Point-of-sale systems, IT hardware, servers, and office electronics

Tenant Damages Claims

Assisting commercial landlords and property managers in recovering funds for tenant-caused property destruction or leasehold improvements.

• Damage to landlord-owned building structure, HVAC, and common areas
• Destruction of landlord-installed leasehold improvements and fixtures
• Vandalism or unauthorized structural modifications by tenants

Loss of Rent Claims

Recovering lost rental income for commercial and multi-family property owners when property damage renders units uninhabitable.

• Uncollected rental payments from displaced commercial or residential tenants
• Lease concessions or rent abatement required during property restoration
• Tenant relocation expenses where mandated by lease contracts

Residential Water Damage Claims

Expert representation for pipe bursts, appliance leaks, hidden plumbing leaks, and water intrusion loss.

• Burst pipes, slab leaks, and sudden plumbing line failures
• Appliance overflows from washing machines, dishwashers, and water heaters
• Water damage to hardwood floors, subflooring, cabinetry, and drywall

Fire & Smoke Damage Claims

Maximizing settlements for structural fire damage, charring, toxic smoke contamination, and water damage from firefighting.

• Structural rebuilding for burned framing, roofing, and interior walls
• Smoke, soot, and ash decontamination throughout HVAC and ductwork
• Water damage resulting from fire suppression efforts

Storm & Wind Damage Claims

Aggressive advocacy for windstorm, hail, hurricane, and fallen tree damage to residential roofs and structures.

• Roof shingle loss, creasing, hail impact punctures, and decking damage
• Siding, fascia, soffit, and gutter destruction
• Fallen tree damage to roofs, garages, fences, and outbuildings

Flood Damage Claims

Specialized guidance for rising water, storm surge, and flood insurance claims through NFIP or private flood carriers.

• Rising water damage to foundation, flooring, and lower level walls
• Electrical and mechanical equipment submerged in flood waters
• Decontamination and hazardous silt cleanup

Mold Damage Claims

Recovering maximum policy limits for mold remediation, testing, and property restoration caused by covered water losses.

• Air quality testing and indoor environmental containment
• Professional mold remediation and toxic spore removal
• Drywall, cabinetry, and flooring replacement in contaminated areas

Denied Claims Reassessment

Turn a claim denial into a successful settlement with our comprehensive legal and policy reassessment process.

• Full review of formal insurance denial letters and adjuster field notes
• Re-inspection of property damage with forensic engineering experts
• Reinterpretation of vague policy exclusions and ambiguous clauses

Underpaid Claims Supplemental Recovery

Pushed into a lowball insurance payout? We reopen underpaid claims to recover the remaining thousands you are owed.

• Line-by-line comparison of insurance check payouts versus actual contractor repair costs
• Filing supplemental claims for hidden damage discovered during demolition
• Demanding correct local labor and material pricing (Xactimate price adjustments)

Claims Consulting & Guidance

Expert strategic guidance for complex insurance disputes, appraisal processes, and pre-claim strategy.

• Pre-filing loss strategy to prevent accidental coverage pitfalls
• Representation during formal Appraisal clause proceedings
• Dispute resolution representation in meetings with insurance executives

Emergency Claim Rapid Response

Rapid 24/7 deployment for major catastrophic losses requiring immediate emergency mitigation and advance funds.

• Immediate on-site loss evaluation after catastrophic fire, flood, or storm
• Securing immediate advance emergency payments from carriers for ALE housing
• Coordinating certified emergency board-up, roof tarping, and water extraction

Policy Review & Interpretation

Comprehensive audit of your commercial or residential insurance policy to uncover hidden endorsements and maximize rights.

• Line-by-line decoding of complex policy endorsements and exclusion clauses
• Identification of Code Upgrade (Ordinance & Law) coverage limits
• Analysis of Replacement Cost Value (RCV) vs Actual Cash Value (ACV) provisions