Industrial & Warehouse
Property Claims
A storm-damaged warehouse isn’t just a building problem — it’s an operations problem. Every day your roof is compromised is a day your inventory, equipment, and revenue are at risk. We document the full scope and fight for the full recovery.
⚠️The Pitfalls
Contents and Equipment Exclusion Games
When water intrusion damages inventory, equipment, or machinery inside the structure, carriers often attempt to classify the loss as a “contents” claim requiring separate deductibles or covered under a different policy section — even when the water intrusion was caused by a covered storm event. We document the damage path from entry point to affected contents and keep all related losses connected to the same peril event.
Roof System Downgrading
Industrial and warehouse roofs are often metal panel systems or large-area TPO/EPDM membranes. Carriers frequently scope these using economy-grade unit pricing rather than the actual system specification. On a 40,000-square-foot flat roof, the difference between economy and correct-grade pricing is substantial.
Sprinkler and Fire Suppression O&L
Industrial buildings frequently have fire suppression systems that don’t meet current code. When a structural repair permit is pulled for storm damage, the city will mandate upgrades. Carriers never include this in their scope. We find it on every qualifying property.
✓The Peril Solution
Damage Path Documentation
We photograph every water entry point, trace all affected areas, and document the relationship between the structural storm damage and any interior losses. Our forensic record keeps all related damage under the same covered event and prevents the carrier from splitting the claim.
System-Accurate Pricing
We document roof system specifications — membrane type, thickness, installation method — and verify that the carrier’s Xactimate pricing matches the actual system. When they’ve downgraded the material grade, we calculate and demand the correct pricing differential.
Industrial O&L Survey
We run a full Ordinance & Law analysis on every industrial property — fire suppression status, electrical service age, loading dock and accessibility compliance, structural code changes triggered by the repair scope. These items represent some of the largest supplement recoveries in commercial claims.
Your Operations Can’t Afford an Underpaid Claim.
Get a free forensic inspection before your contractor starts the repair.
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