Why Hire a Commercial Public Adjuster
Your Carrier Has a Team Working Against You. We Work For You.
Public adjusters represent only the policyholder — never the insurance company. When you file a commercial property claim, the carrier assigns their own adjuster whose job is to minimize the payout. Without independent representation, you are negotiating against a professional whose expertise is suppressing settlements.
The Commercial Gap Is Consistently Large
On commercial property claims, the difference between a carrier’s initial offer and what the policy actually owes is routinely tens of thousands — sometimes hundreds of thousands — of dollars. Carrier adjusters suppress commercial claims through specific, repeatable tactics:
- Matching material violations: 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 must replace the entire system — not just the damaged sections. Carriers ignore this and scope damaged sections only.
- Business income suppression: Commercial policies cover lost revenue during repair periods. Carrier adjusters rarely raise this coverage. It must be claimed independently with supporting financials.
- Improper depreciation: If your policy has an RCV (replacement cost value) endorsement, depreciation must be released upon completion. Carriers apply aggressive depreciation schedules that contradict the policy’s RCV terms.
- Scope omissions: Interior consequential damage, code upgrade costs (Ordinance & Law), and equipment damage are routinely excluded from carrier scopes — not because they’re not covered, but because no one pushed for them.
What Peril Adjusters Does
We are forensic commercial public adjusters. We handle HOA & condo associations, multifamily apartment complexes, churches and non-profits, retail and strip centers, hospitality properties, and industrial facilities.
Our process begins with a full policy review and coverage audit before we inspect a single piece of damage. We document losses independently, prepare supplemental proofs of loss, and invoke Texas statutory leverage — including the Prompt Payment Act (Tex. Ins. Code Ch. 542), which imposes 18% per annum interest penalties on carriers who delay payment without proper justification.
Fee Structure
Our fee is contingency-only — 10% of the additional recovery above the carrier’s existing offer. If we don’t recover more than the carrier already offered, there is no fee. The initial review is always free.
The Two-Year Window
In Texas, commercial property claims can be reopened and supplemented up to two years from the date of loss. If your claim settled without forensic documentation — without matching material enforcement, without business income recovery, without a depreciation challenge — there is likely additional recovery available.