Commercial claims
Commercial Property
Commercial property claims add layers — business interruption, extra expense, and lost income — that residential claims do not. Each must be documented separately.
Florida first-party claim
What's typically covered
- Building damage and reconstruction
- Contents and equipment losses
- Business interruption and lost income
- Extra expense to maintain operations
- Tenant improvements and betterments
What carriers commonly underpay
- Business interruption period defined too narrowly
- Lost income calculated on prior-year, not projected, revenue
- Extra expense costs reduced or excluded
- Tenant improvements treated as personal property
- Code-upgrade costs ignored
What we do differently
- Engage forensic accountants for business interruption and lost income
- Document the period of restoration with reconstruction milestones
- Build extra-expense claims with contemporaneous records
- Quantify tenant improvements separately from contents
- Apply Florida code-upgrade entitlements
Signs of damage to look for
- Operational shutdown following a covered loss
- Reduced revenue post-loss compared to projections
- Additional rent or facility costs to maintain operations
- Equipment damage requiring specialized vendor replacement
- Tenant build-out damage requiring redesign
If any of the above describes your situation, request a free claim review. We'll evaluate your policy and the loss before you make any decision.
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