Commercial Property Types We Handle
Peril Adjusters works exclusively with complex commercial property claims. Each property type below has unique coverage considerations, documentation requirements, and carrier suppression patterns that require a specialist — not a generalist.
HOA & Condo Association Claims
Common area damage, building envelope claims, multi-unit scope coordination, and assessment coverage disputes. HOA carriers routinely underpay by limiting scope to visible damage only and ignoring matching material obligations across multiple building elevations.
Multifamily / Apartment Complex Claims
Unit-level interior documentation, business income recovery on displaced tenants, portfolio-level claim coordination. Multifamily claims require access negotiation and systematic documentation across dozens or hundreds of units — not a single-building walk-around.
Church & Non-Profit Property Claims
Program revenue documentation, ordinance & law recovery on accessible facility upgrades, non-profit policy endorsements. Churches often carry specialized policies with coverage provisions that carrier adjusters don’t know how to apply.
Retail & Strip Center Claims
Tenant improvement coverage, loss of rents documentation, anchor tenant business income calculations. Commercial retail claims require coordination between building owner coverage and tenant-level policies.
Hospitality Property Claims
PMS (Property Management System) data analysis, extra expense quantification, occupancy rate documentation. Hotel and motel claims involve business income calculations the carrier will aggressively dispute without proper revenue documentation.
Industrial & Warehouse Claims
Equipment coverage, inventory loss documentation, manufacturing business interruption. Industrial claims often involve both property and inland marine coverage — coordination across both policies is essential to full recovery.
Not Sure Which Category Applies?
If your commercial property doesn’t fit neatly into one of these categories, contact us anyway. We handle office buildings, medical facilities, mixed-use properties, and other commercial structures. The initial review is free.