Your Carrier’s Adjuster Works
for the Carrier.
Ours Works for Your NOI.
The average gap between a carrier’s initial commercial property settlement and the policy’s actual obligation is 38%. That gap is recoverable. Most commercial property owners never recover it.
Peril Adjusters provides forensic indemnification for commercial property owners — reversing suppressed settlements through documented re-inspection, policy enforcement, and escalation under Texas statute. Our fee is 10% of Total Claim RCV. No increase, no fee.
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Forensic Indemnification
Every claim is re-inspected using forensic documentation standards — drone imaging, saturation path mapping, unit-level interior access, and matching material analysis. Not a clipboard estimate.
NOI Protection
A suppressed insurance settlement is a balance sheet liability. We document the full economic loss — physical damage, business income, extra expense, rental income — and recover every insured dollar.
Texas Policy Expertise
state insurance code §554, the Prompt Payment Act, the Appraisal Clause, and state insurance department enforcement. We deploy every available statutory tool to force carrier compliance.
A 48-unit multifamily complex in the Houston MSA received a $214,000 hail settlement from the carrier. The property manager’s contractor had scoped the job at three times that number. Peril’s forensic re-inspection found:
| Non-matching façade materials | Texas §554.002 violation — carrier obligated to replace entire affected system |
| HVAC exclusion | Pre-existing determination unsupported by independent engineering — challenged and reversed |
| Depreciation on code upgrades | RCV endorsement did not authorize it — full amount recovered |
| Business income omission | Six uninhabitable units during repairs — rental income loss never raised by carrier |
| Final settlement | $1,280,000 |
We Specialize in Every Commercial Property Category
Multifamily
Apartment communities, mixed-use residential, portfolio assets. NOI protection and business income for uninhabitable units.
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HOA & Condo Boards
Fiduciary duty enforcement, special assessment elimination, shared-structure forensic indemnification.
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Church & Non-Profit
Business income for lost program revenue. The most systematically underpaid category nationwide commercial claims.
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Retail & Strip Centers
Triple exposure: physical damage, rental income recovery, and tenant interruption liability resolution.
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Hospitality
Room revenue business income, extra expense coverage, and matching material enforcement on hotel and motel properties.
View Hospitality Hub →
Industrial & Warehouse
Equipment damage, business interruption, inventory spoilage, and code compliance recovery on warehouse and manufacturing properties.
View Industrial Hub →
How We Work
| Step 1 | Free Forensic Claim Review. We review your existing settlement, denial letter, or scope. We tell you within 24 hours whether additional recovery is available and the realistic range. |
| Step 2 | Engagement Agreement. Standard Texas public adjuster engagement. Our fee is 10% of Total Claim RCV. No increase, no fee. |
| Step 3 | Forensic Re-Inspection. Full property documentation using drone imaging, unit-level interior access, and specialist assessment for complex systems. Saturation path mapping, matching material analysis, code compliance review. |
| Step 4 | Supplemental . Full documentation package with line-item rebuttal to every carrier position. Submitted under Texas Prompt Payment Act compliance deadlines. |
| Step 5 | Resolution. Negotiated settlement, appraisal award, or state insurance department-mediated resolution. We do not close a file until the policy has been fully enforced. |
Your Policy Owed Full Indemnification.
Every Shortfall Is Recoverable.
Texas law gives you two years from the date of loss to supplement a commercial property claim. The carrier’s closed file is not a final settlement. Our fee is 10% of Total Claim RCV. No increase, no fee.
Commercial Property Claims Only
10% Contingency — No Increase, No Fee
Houston | Dallas | San Antonio | Corpus Christi | McAllen
14813 S Padre Island Dr, Corpus Christi, TX 78418