What makes commercial claims harder
Commercial and association policies are written differently from homeowner forms. Deductibles may be a percentage of the insured value per building. Coinsurance clauses can reduce a payment if the property was underinsured. Roof systems vary from building to building, and the age and condition of each one becomes part of the argument.
The carrier’s estimate on a large loss is often assembled from a quick drone flight and a sample of interior units. That approach tends to undercount damaged roof sections, mechanical units, gutters, and interior water damage that shows up weeks later.
What we bring to a commercial and HOA claim appraisal
- Building-by-building scope. We document each structure separately so deductibles, limits and depreciation are applied correctly.
- Roof system analysis. Membrane roofs, standing-seam metal and shingle roofs fail in different ways. We test and photograph each type the way an umpire will expect.
- Mechanical and exterior items such as rooftop units, condenser fins, signage, lighting, fencing and parking-lot fixtures that are often missed.
- Coinsurance review. We compare stated values with a current replacement cost so a coinsurance penalty does not surprise you after the award.
- Board-ready reporting for HOA boards and property managers, written so non-specialists can follow the dispute.
HOA boards and owner questions
Townhome and condo associations face pressure from two directions: owners want the work done, and the board has a duty to recover what the policy owes. We give boards a clear explanation of where the carrier’s scope falls short and what appraisal would involve, so they can make a documented decision.
Frequently asked questions
Can one appraisal cover several buildings?
Yes. A single appraisal can cover a whole property, but we document and value each building separately so the award is easy to apply.
Our board is split on appraisal. Can you present to the board?
We can explain the process, likely costs and the main points of dispute in a board meeting, without legal advice.
Do you handle church and nonprofit properties?
Yes. Churches, schools and community buildings often have older, specialized construction that standard estimates price poorly.