Commercial Property Insurance Claims
What Carriers Suppress. What the Policy Owes. What We Recover.
Commercial property insurance claims are systematically underpaid. Carrier adjusters scope the visible damage, apply aggressive depreciation schedules, and close the file before the policy’s full obligations are ever raised. The result: a settlement that funds a fraction of what your property actually requires to be restored.
Property Types We Handle
Peril Adjusters works exclusively with commercial property owners and managers. We do not handle residential single-family claims.
- HOA & Condo Associations — Common area damage, envelope claims, matching material enforcement across building elevations, special assessment prevention
- Multifamily / Apartment Complexes — Unit-level documentation, business income recovery for displaced tenants, portfolio-level coordination
- Churches & Non-Profits — Program revenue documentation, ordinance & law recovery, non-profit policy endorsements
- Retail & Strip Centers — Tenant improvement coverage, loss of rents documentation, anchor tenant business income
- Hospitality Properties — Hotel/motel room revenue recovery, extra expense quantification, PMS data analysis
- Industrial & Warehouse Facilities — Equipment coverage, business interruption, structural scope development for complex facilities
How Carriers Suppress Commercial Claims
The same suppression tactics appear on commercial files across every carrier:
- Scope limitation — Carrier adjusters document visible damage only, ignoring consequential damage, interior water intrusion, and systems-level failure
- Matching material violations — Under state insurance code §554.002, when storm damage requires replacement of materials no longer available in the original color, texture, or profile, the carrier must replace the entire system — not just damaged sections. Carriers routinely ignore this obligation.
- Depreciation manipulation — Commercial policies with RCV endorsements do not authorize steep depreciation schedules. Carriers apply them anyway.
- Business income suppression — Carrier adjusters rarely raise business income coverage. It must be claimed independently with supporting financial documentation.
- Early file closure — Carriers issue payment and close the file before the full scope of damage is documented. In Texas, you have two years from the date of loss to reopen.
Our Approach
Every engagement begins with a full policy audit. We identify every applicable coverage provision before we ever inspect the property. Then we conduct an independent forensic inspection — separate from the carrier’s scope — and build a complete supplemental the carrier must respond to in writing.
In Texas, we formally invoke the Prompt Payment Act (Chapter 542), which requires carriers to pay valid claims within statutory timeframes or face 18% annual interest plus attorney’s fees. Most carriers settle rather than litigate.
Fee Structure
Our fee is 10% of any additional recovery above the carrier’s existing offer. If we do not recover additional money above what the carrier already offered, our fee is zero. The initial claim review is always free.
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