FOR COMMERCIAL CONTRACTORS

You Close the Job.
We Handle the Carrier.

You’ve won the bid on a commercial restoration job. The property owner is ready. Then the carrier’s scope comes in — and it’s 40% short. Now you’re stuck re-estimating, disputing line items, and waiting on a claims rep who won’t return calls. The job stalls. Your crew sits.

That’s carrier friction. And it’s killing commercial contractor margins across Texas.

Peril Adjusters eliminates it.

THE SOLUTION

We Take the Carrier Off Your Plate

When Peril Adjusters is on a commercial file, we handle everything between the property owner and the carrier: scope disputes, matching material enforcement, supplement documentation, business income recovery, and Prompt Payment Act enforcement when the carrier stalls.

You submit your actual scope. We get it paid. The owner signs your contract. You do the work.

No more re-estimating to fit a suppressed scope. No more waiting on a carrier adjuster to approve a supplement. The claim gets funded at replacement cost — and your job closes.

HOW IT WORKS

The Contractor Collaboration Model

1. You identify the job. You’re bidding or have won a commercial restoration project — HOA, multifamily, church, retail, industrial. The carrier’s scope is insufficient to fund your actual scope of work.

2. You make the introduction. You let the property owner know that a commercial public adjuster can document the full scope, enforce matching material obligations, and recover what the carrier suppressed. You don’t get paid to refer — you get paid because the job gets funded correctly.

3. We go to work on the carrier. Peril Adjusters takes over the claim side: forensic re-inspection, independent Xactimate scope, statutory coverage enforcement under Texas Insurance Code §554.002, supplemental proof of loss, and negotiation through settlement.

4. The claim funds at replacement cost. The property owner now has the settlement to fund your actual contract. The carrier argument is over before it reaches your crew.

5. You close more commercial jobs. Every commercial job that stalled on carrier friction is now back in play. And every future job where you spot an underpaid claim is a job you can close at full scope.

WHAT WE HANDLE

Everything the Carrier Throws at Commercial Jobs

Scope suppression — Carrier adjusters write scopes designed to minimize payout, not fund replacement. We rebuild the scope from the structure up using independent documentation.

Matching material disputes — Under Texas Insurance Code §554.002, when storm damage requires replacing materials no longer available in the original profile, the carrier must replace the entire system — not just the damaged sections. Carriers ignore this. We enforce it.

Depreciation holdbacks — Non-recoverable depreciation applied to materials your RCV endorsement should cover. We document and recover it.

Partial scope closures — Carrier closes a file after paying for the roof while ignoring gutters, fascia, HVAC penetrations, and interior consequential damage. We reopen and document the full scope.

Business income exclusions — On commercial properties with displaced tenants or interrupted operations, business income is often covered and never raised. We raise it.

Prompt Payment stalling — Under Texas Insurance Code Chapter 542, carriers that miss statutory payment deadlines owe 18% annual interest plus attorney fees. We track and enforce it.

Stop Losing Commercial Jobs to Carrier Friction

If you’re working commercial restoration in Texas and dealing with underpaid scopes, contact us. We’ll review the claim, tell you exactly what’s recoverable, and handle the carrier from that point forward.

No referral arrangement. No split. You close the job at full scope — because the claim gets funded correctly.