Our fee is 10% of the recovery above what your carrier originally offered — not 10% of the total claim. If your carrier offers $100,000 and we recover $160,000, our fee is $6,000 (10% of the $60,000 supplement). You net $154,000. If we don’t improve the carrier’s position, there is no fee. The initial forensic review is always free.

Most commercial property claims resolve within 60–120 days from our engagement. Complex claims involving appraisal or Ordinance & Law supplements may run 4–6 months. We track every statutory deadline under the Texas Prompt Payment Act — carriers who delay past the legal window owe 18% per annum interest, so delays work against the carrier, not you.

No. Peril Adjusters works on strict contingency. You pay nothing until we recover above what the carrier offered, and our fee comes out of that surplus. For clients whose roofing contractor covers the fee through expanded scope funding, the client pays nothing at any point. You do not need cash on hand to engage us.

O&L coverage pays for code upgrades required when a permitted repair is made to an older building. If your building has a 1987 electrical panel, outdated fire suppression, or non-ADA bathrooms, a roof replacement permit will trigger mandatory upgrades the carrier’s estimate ignores. We identify these triggers during our forensic inspection and recover them as supplemental items. On commercial properties built before 2000, O&L items are the single largest source of uncaptured claim value.

In many cases, yes. Under Texas law, property owners have a two-year window from the date of loss to challenge a settlement if the payment was below what the policy covers. If you accepted a carrier payment within the last 24 months and suspect you were underpaid, contact us for a free policy review. The claim being “closed” does not mean it’s final.

We handle HOA and condo associations, multifamily apartment complexes, retail and strip malls, churches and non-profits, industrial and warehouse facilities, hospitality properties, and large-loss commercial buildings. We do not handle single-family residential claims — only commercial properties with minimum claim values of $50,000.

We have a formal escalation protocol: desk adjuster → carrier management → Texas Department of Insurance complaint. When carriers refuse a legitimate claim, we invoke the contractual appraisal process. For documented bad faith (90+ days non-response, improper denials), we work with first-party property attorneys who can pursue 18% statutory interest, treble damages, and attorney’s fee shifting. We don’t walk away from winnable claims.