Your Carrier Has a Team.
So Should You.
Elite Commercial Property Claim Specialists
HOA. Multifamily. Church. Industrial.
Peril Adjusters is a boutique forensic public adjusting firm built for complex commercial claims. We recover suppressed settlements through forensic indemnification strategy, matching material enforcement, and depreciation recovery — across 26 licensed states.
RECENT CLAIM RECOVERIES
your carrier — MULTIFAMILY
$436,888
Carrier offered $8,737 → 4,900% increase
ACUITY — HOA
$338,066
Carrier offered $844 → 39,900% increase
LIBERTY MUTUAL — RETAIL
$257,221
Carrier offered $25,102 → 924% increase
Six Commercial Property Types.
One Forensic Standard.
🏢 HOA & Condo Boards
Common area roofs, parking structures, pool enclosures, and building envelope claims. We enforce matching material obligations and recover full RCV for the association — not what the carrier is willing to pay on a per-unit basis.
🏗️ Multifamily & Apartments
Storm, hail, and wind claims on 4-unit to 300-unit complexes. Business income for displaced tenants, matching roofing systems across buildings, and full interior scope documentation.
⛪ Churches & Non-Profits
Sanctuary roofs, fellowship halls, and campus structures. We navigate your carrier and standard market policies for faith-based properties along the Texas Gulf Coast and across 17 states.
🛍️ Retail & Strip Centers
Roof, storefront, signage, and interior water damage claims for single-tenant and multi-tenant retail properties. We document business income loss and enforce the full commercial policy scope.
🏨 Hospitality Properties
Hotels, motels, and event venues with complex interior scope, FF&E coverage, and business income claims. We document the full loss including contents, improvements, and lost revenue.
🏭 Industrial & Warehouse
Large commercial roofs, metal panel systems, and interior machinery exposure. We document specialty materials, matching system requirements, and business interruption losses for manufacturing and logistics facilities.
THE PROBLEM
Carriers Pay What They Can Get Away With.
Commercial property claims are routinely underpaid — not because the policy doesn’t cover it, but because no one fights for the full indemnification. Carrier adjusters are paid by the insurer. Their job is to close claims, not your recovery.
On a typical commercial claim we re-open, carriers have paid 20–40 cents on the dollar. The rest sits on the table because the property owner didn’t have a specialist reviewing the policy, the scope, and the statutory obligations — before the claim closed.
What carriers count on you NOT knowing:
✦ Matching Material Obligations — Under state insurance code §554.002, when damage requires replacing a discontinued material, the entire system must match. Carriers never volunteer this.
✦ Business Income Recovery — Commercial policies almost always include business income and extra expense coverage. Carriers rarely raise it. We always do.
✦ Prompt Payment Deadlines — Carriers that miss state insurance code Chapter 542 deadlines owe 18% annual interest plus attorney fees. We track every deadline.
✦ Depreciation Recoveries — RCV endorsements entitle you to recover non-recoverable depreciation on materials. We document and recover every eligible line.
OUR RESULTS
What Carriers Offered.
What We Recovered.
American Family— MULTIFAMILY
$436,888
recovered vs. $8,737 carrier offer
4,900% increase
ACUITY — HOA
$338,066
recovered vs. $844 carrier offer
39,900% increase
LIBERTY MUTUAL — RETAIL
$257,221
recovered vs. $25,102 carrier offer
924% increase
01
Free Review
We review your existing claim, policy language, and carrier scope at no cost. You find out exactly what was missed — before we engage.
02
Reinspection
We re-document the full scope with independent Xactimate estimating, matching material analysis, and statutory coverage mapping.
03
Settlement & Close
We negotiate directly with the carrier and push through appraisal or litigation if needed. Contingency-only fee — we don’t get paid until you do.
Two Years to Reopen.
Zero Cost to Find Out What You’re Owed.
Under Texas law, you have two years from the date of loss to reopen a commercial property claim. If your carrier closed your file — and most do before full indemnification — there may still be significant recovery available. The review is free. The fee is contingency-only.