Commercial Property Claims Expert
Business interruption and property damage specialists for CA, AZ, NV businesses
Get Free Business ConsultationExpert Commercial Property Claims Assistance
When your business suffers property damage, every day of delay costs money. Apex Adjusting Group specializes in commercial property insurance claims, helping businesses across California, Arizona, and Nevada maximize their settlements and minimize downtime.
Commercial claims are more complex than residential claims. They involve business interruption, lost income, extra expenses, equipment valuation, and tenant improvements. Our licensed commercial public adjusters understand the unique needs of business owners and work to get you back to business quickly.
What We Cover
Our Commercial Claims Process
Business Assessment
Rapid evaluation of property damage and business impact analysis.
Loss Documentation
Complete documentation of property damage, lost income, and extra expenses.
Financial Analysis
Detailed business interruption and loss of income calculations.
Expert Negotiation
Strategic negotiation to maximize your business claim settlement.
Settlement & Recovery
Full compensation to restore operations and recover losses.
Types of Commercial Claims
- Business Interruption: Lost income due to property damage closure
- Property Damage: Building structure, tenant improvements, fixtures
- Equipment & Inventory: Business equipment, stock, and supplies
- Extra Expenses: Costs to minimize business interruption
- Tenant Improvements: Leasehold improvements and betterments
- Code Upgrades: Required building code compliance costs
Industries We Serve
Our commercial public adjusters have experience with all types of businesses:
- Retail stores and shopping centers
- Restaurants and hospitality
- Manufacturing and warehouses
- Office buildings
- Medical facilities
- Automotive businesses
- Multi-family properties
Commercial Property Claims FAQs
How much does a commercial public adjuster cost?
Commercial public adjusters typically charge 5-15% of the settlement on a contingency basis, with the percentage often lower for larger claims. We work on a no recovery, no fee basis - you pay nothing unless we successfully increase your claim settlement.
What is business interruption insurance?
Business interruption insurance covers lost income and operating expenses when your business cannot operate due to covered property damage. This includes lost profits, continuing expenses like rent and payroll, and temporary relocation costs during repairs.
How long can I claim business interruption?
Business interruption coverage typically continues until your business returns to normal operations or reaches the policy's time limit (often 12-24 months). We help calculate the full period of interruption and document all losses to maximize your recovery period.
Does commercial insurance cover equipment breakdown?
Coverage depends on your policy. Standard commercial property policies may have limited equipment coverage, while equipment breakdown insurance (boiler and machinery) provides broader coverage for mechanical failures, electrical issues, and technology failures.
What is the difference between actual cash value and replacement cost?
Actual Cash Value pays for property replacement minus depreciation, while Replacement Cost pays the full cost to replace damaged property with new items of similar quality. Replacement cost policies provide significantly higher payouts for commercial claims.
Can a public adjuster help with denied commercial claims?
Absolutely. We frequently help businesses overturn denied commercial claims. We review the denial reasons, gather additional evidence, consult with experts, and negotiate aggressively with insurance companies to reverse denials or secure partial settlements.
What should I do immediately after commercial property damage?
First, ensure everyone's safety and secure the property. Document all damage with photos and videos. Notify your insurance company immediately. Then contact us before giving statements or accepting any settlements, so we can protect your interests from day one.
How are loss of income calculations determined?
Loss of income is calculated based on your business's financial records, including profit and loss statements, tax returns, and projected revenues. We work with forensic accountants when necessary to accurately document your lost profits and extra expenses.
Does commercial insurance cover employee wages during closure?
If you have business interruption coverage, it typically includes continuing expenses like employee payroll for key staff during the interruption period. We ensure these continuing expenses are properly documented and claimed.
What types of commercial properties do you handle?
We handle all commercial property types including retail stores, restaurants, office buildings, warehouses, manufacturing facilities, hotels, apartment buildings, strip malls, and specialized commercial properties. Our adjusters have experience across all commercial sectors.
Protect Your Business with Expert Claim Help
Free consultation. No recovery, no fee. Get back to business faster.