Multifamily & Apartment
Property Claims
Your tenants can’t wait. A storm-damaged apartment complex affects occupancy, revenue, and your lender’s confidence — all at once. We move fast, document everything, and recover what the carrier left out.
⚠️The Pitfalls
Business Income Suppression
When storm damage forces unit vacancies during repairs, your policy’s Business Income or Loss of Rents coverage is supposed to bridge the gap. Carriers routinely calculate the BI period too short, use below-market rent rates, or exclude it entirely from the scope. We document the full lost-rent exposure and demand it.
Multi-Building Scope Fragmentation
On multi-building portfolios, carriers often inspect one building and extrapolate the scope to all others — missing damage on buildings they didn’t fully inspect. Each building requires its own forensic documentation. We inspect every structure on the property.
Pre-Existing Condition Attribution
Carriers frequently attribute storm damage on older properties to “deferred maintenance” or “pre-existing deterioration” — especially on roofing systems over 15 years old. We use dated weather data, storm track verification, and material condition analysis to establish storm causation definitively.
✓The Peril Solution
Full BI/Loss of Rents Recovery
We calculate the actual lost-rent period based on the full documented scope of repairs — not the carrier’s compressed timeline. We submit a formal BI demand with market-rate rental comparisons for your market and property class.
Building-by-Building Documentation
We inspect and photograph every building on the property using our 10-shot forensic protocol. Each structure gets its own documentation package. We don’t let the carrier extrapolate — we give them no room to claim they didn’t see it.
Storm Causation Defense
We pull NOAA weather data, storm track verification, and hail size reports for the exact date of loss. Combined with our soft-metal spatter documentation and granular displacement photography, we create an irrefutable causation record that defeats the “pre-existing” defense.
Your Tenants Are Waiting. So Is Your Recovery.
Get a free forensic inspection before the carrier finalizes their scope.
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