Frequently Asked Questions — Commercial Property Claims
What types of properties does Peril Adjusters handle?
We work exclusively with commercial properties: HOA and condo associations, multifamily apartment complexes, churches and non-profits, retail and strip centers, hospitality properties (hotels, motels), and industrial and warehouse facilities. We do not handle residential single-family claims.
Do I need to have already filed a claim before contacting you?
No. We can assist before, during, or after the claims process. In many cases, engaging us before the carrier’s adjuster inspects produces a stronger outcome — we document the damage on our terms from day one.
Can you help if my claim was denied?
Yes. A denial is not final. We conduct a forensic policy review to identify the grounds for denial and prepare a documented challenge. Many commercial denials are reversed when the carrier faces a properly constructed supplemental .
Can you help if my claim was underpaid?
Yes — this is our most common engagement. Carrier suppression of commercial claims is systematic: underpayment on roofing scope, exclusion of matching material costs, failure to raise business income coverage, and improper depreciation application are all standard carrier behaviors we reverse. In Texas, claims can be reopened up to two years from the date of loss.
What is matching material enforcement?
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 is obligated to replace the entire system — not just damaged sections. Carriers routinely ignore this. We enforce it in writing with manufacturer verification on every applicable file.
What is business income coverage, and does my claim include it?
Business income coverage reimburses lost revenue and continuing fixed expenses during the period when your property was closed or operating at reduced capacity due to covered damage. Most commercial policies include it. Carrier adjusters do not proactively raise it because it costs the carrier money. We claim it as a standard deliverable on every file where operations were disrupted.
How does the Texas Prompt Payment Act affect my claim?
state insurance code Chapter 542 imposes binding deadlines on carriers — acknowledge (15 days), investigate, and pay. Violations trigger 18% annual interest on the withheld amount. When a carrier misses a statutory deadline, we issue a formal escalation notice. That interest clock running is one of the most effective negotiating positions on a suppressed file.
How are Peril’s fees structured?
Contingency only — 10% of additional recovery above the carrier’s existing offer. If we do not recover more than the carrier’s offer, there is no fee. No retainers, no upfront charges, no hourly rates.
Can my contractor or roofer represent me in a claim?
No. Texas law prohibits unlicensed individuals from representing property owners in insurance claim negotiations. A licensed public adjuster specializing in commercial property is the appropriate representation for a complex commercial claim.
Do you work outside of Texas?
Yes. Peril Adjusters is licensed in 17 states: Texas, Wyoming, Colorado, Kansas, New Mexico, Oklahoma, Iowa, Minnesota, Tennessee, Arizona, North Carolina, South Carolina, Georgia, Florida, Ohio, Kentucky, and Missouri.
Is the initial review free?
Yes. We review your existing claim documentation, policy, and carrier correspondence to assess suppression indicators. If we identify recovery opportunity, we outline the strategy before you decide whether to engage us.