Commercial claims are won on documentation — not on the carrier's first estimate.
We represent building owners, property managers, HOA and condo boards, and business tenants across Texas and Oklahoma. Your carrier sends an adjuster, an engineer, and a forensic accountant. You should have your own licensed professional building the file on your side of the table.
Licensed Public Adjusters · Agency Lic #3490161 · TX #3256937 · OK #3004340354
Assets we handle
Where commercial settlements go wrong
Scope disputes on large roofs
TPO, modified bitumen, and built-up systems get 'repaired' on paper when the membrane, insulation, and flashing all need replacement. Test cuts and core samples decide this — not a walk-through.
Code upgrade / Ordinance & Law
Commercial rebuilds trigger current IBC, energy, ADA, and fire-suppression requirements. Ordinance & Law limits are frequently under-applied or ignored entirely in the carrier estimate.
Business interruption undervalued
Period of restoration, continuing expenses, extra expense, and lost rents are routinely calculated by the carrier's forensic accountant alone. That number is negotiable.
Depreciation & RCV recovery
Excessive or non-recoverable depreciation on long-lived building components can quietly cost six figures on a large loss.
Deductible math on named storms
Percentage wind/hail deductibles apply per-building or per-schedule depending on policy wording. Misapplication across a multi-building schedule is common.
Underinsurance & coinsurance penalties
Carriers apply coinsurance penalties based on their own valuation assumptions. Those assumptions can be challenged with a proper replacement-cost analysis.
How we work a commercial loss
- 1Policy & schedule review
Every endorsement, sublimit, schedule of locations, and deductible structure — before a single photo is taken.
- 2Documented loss inspection
Roof core samples, moisture mapping, drone imagery, interior unit-by-unit documentation, and specialty consultants where warranted.
- 3Independent estimate
Line-item Xactimate scope with code upgrades, general conditions, overhead & profit, and specialty trades.
- 4Financial loss package
BI/lost rents worksheet built from your P&L, rent roll, and pre-loss trend — not the carrier's assumptions.
- 5Negotiation & appraisal
We present, defend, and negotiate. On amount-of-loss disputes we invoke appraisal and manage the panel process.
- 6Settlement & closeout
Recoverable depreciation, supplements during construction, and final reconciliation.
Deadlines that quietly kill commercial claims
- Prompt-notice conditions — delay gives the carrier a prejudice argument.
- Sworn proof of loss deadlines (often 60 days from carrier request).
- Suit-limitation clauses, frequently shortened to two years by endorsement.
- Texas Insurance Code §542A pre-suit notice requirements.
- Appraisal demand windows written into the policy.
Bring these to your first call
- Complete policy with all endorsements and the schedule of locations.
- Carrier estimate, engineer report, and any denial or reservation-of-rights letter.
- Rent roll or trailing 12-month P&L for business interruption.
- Roof age, maintenance records, and prior claim history.
Fee structure
Contingency-based. On reopened or underpaid files, our fee applies to the adjusted difference we recover — capped at 25%. No recovery, no fee. Terms are set out in writing before we begin.
Have a commercial estimate you don't trust?
Send the policy and the carrier's estimate. We'll tell you plainly whether it's worth pursuing.