Your Carrier Has a Team
Working Against You.
We Work For You.
Public adjusters represent only the policyholder — never the insurance company. Without independent representation, you are negotiating against a professional whose expertise is suppressing settlements.
Get a Free Claim ReviewThe Commercial Gap Is Consistently Large
On commercial property claims, the difference between a carrier’s initial offer and what the policy actually owes is routinely tens of thousands — sometimes hundreds of thousands — of dollars. Carrier adjusters suppress commercial claims through specific, repeatable tactics:
Matching Material Violations
Under state insurance code §554.002, when storm damage requires replacement of materials no longer available in the original profile, the carrier must replace the entire system. Carriers ignore this and scope damaged sections only.
Business Income Suppression
Commercial policies include business income coverage. Carriers routinely miscalculate the period of restoration, exclude eligible expense categories, and dispute revenue documentation. We force the correct calculation.
Depreciation Exploitation
Carriers apply aggressive depreciation to commercial property — sometimes depreciating components to near-zero values on buildings that are well-maintained and code-compliant. We challenge every depreciation line.
Ordinance & Law Exclusion
Most commercial policies include O&L coverage, but carriers default to excluding it unless the policyholder explicitly invokes it with documentation. We apply O&L analysis on every commercial claim.
The Two-Year Window
In Texas, commercial property claims can be reopened and supplemented up to two years from the date of loss. If your claim settled without forensic documentation — without matching material enforcement, without business income recovery, without a depreciation challenge — there is likely additional recovery available.
A prior settlement is not a closed door. It is an opening position that we can reopen and supplement with the correct documentation.
Fee Structure
Our fee is contingency-only — 10% of the Replacement Cost Value recovery above the carrier’s existing offer. If we don’t recover more than the carrier already offered, there is no fee. The initial review is always free.
The Review Is Free
Find out in 24 hours whether you have a recoverable claim. No obligation. No upfront cost.
Request a Free Claim Review