Multi-Family
Full Recovery.
Carriers see apartments as patch opportunities. We see them as revenue-producing assets that demand complete forensic indemnification.
How Carriers Suppress Multi-Family Property Claims
Multi-family portfolio losses are suppressed through lost rental income miscalculation, per-unit depreciation stacking, and exclusion of system-level damage.
Rental Income Suppression
Loss of rents is a covered element under most commercial policies. Carriers miscalculate the restoration period, exclude affected unit counts, and dispute occupancy documentation to minimize BI exposure.
Per-Unit Depreciation Stacking
On a 60-unit building, the carrier applies depreciation to every individual unit. The cumulative effect of even modest per-unit depreciation creates aggregate suppression that reaches into the six figures.
HVAC & Mechanical Exclusion
Carriers scope visible roof and cladding damage while ignoring HVAC condensers, electrical panels, and plumbing risers that are equally storm-damaged and equally covered.
Cosmetic Damage Dismissal
Interior finishes — flooring, drywall, cabinetry — affected by water intrusion are routinely characterized as cosmetic and excluded. We document and enforce full interior recovery.
How We Rectify It
We reconstruct the actual economic loss from the property owner’s documented revenue records — not the carrier’s projection model.
Revenue-Based BI Calculation
We build the business income case from your actual rent rolls, lease agreements, and occupancy history — forcing the carrier to defend their projection against your documented revenue.
Full Mechanical Scope
Our inspection protocol covers every mechanical system — HVAC, electrical, plumbing — not just the roofline the desk adjuster photographed.
Interior Damage Recovery
We document and enforce recovery for every water-affected interior finish, floor covering, and cabinetry run across every impacted unit.
Financial Alignment: We charge a strict 10% contingency fee on the Replacement Cost Value (RCV) of the total claim recovery above the carrier’s existing offer. No increase on the claim, no fee. If we do not recover more than the carrier already offered, our services cost you nothing. The initial review is always free.
Multifamily Complex: $74,000 carrier offer → $891,198 final settlement (+1,103%)
The Review Is Free
Find out in 24 hours whether you have a recoverable claim. No obligation. No upfront cost.