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Commercial Roof Damage

Have you noticed damage to your commercial structure’s modified bitumen, metal or membrane roof?

Modified Bitumen



Built-Up Roof (BUR)

Commercial roof damage claims

are often denied or underpaid.

AAPA has access to experts and engineers to provide evidence of functional damage negating the classic cosmetic exclusion.

Denied or Underpaid Claims and the Cosmetic Exclusion

A common pitfall business owners face when dealing with a commercial roof damage claim is the cosmetic damage/cosmetic damage exclusion clause.  Investigations by independent engineers and experts often reveal the roof has indeed been altered beyond first appearance. A damaged roof will no longer shed water properly and needs to be replaced.  Insurance companies will use these clauses as a way to deny a claim.  AAPA will enforce the full value of your roofing claim and maximize your return.

Additionally, damage is often overlooked when investigating a claim. Hail damage is sometimes mistaken as heat blisters or age and condition. Hail damage can likely go unnoticed, resulting in more wear and tear to your structure over time.

Claim Timeline

The Texas Department of Insurance provides timelines and statutes which insurance companies must follow to ensure a prompt payment and adequate settlement. We enforce these requirements. A commercial claim may take up to 6 months to process, which is in breach of the Texas Insurance codes for prompt payment. Allow AAPA to expedite and maximize your claims process, allowing you to focus on your business.

Claims Process

AAPA takes over the entire claims process, thoroughly documenting and examining the actual scope of damage to maximize the claim. We will consult with all adjusters, experts and engineers sent out by the insurance company.

We specialize in settling commercial roofing claims. Our expertise and experience extends to all major types of roofing systems including membrane/TPO/EPDM, modified bitumen, metal and stone coated steel. In addition to the roof itself, hail and wind can cause damage to HVAC systems, which may need to be repaired or replace. We’ve handled commercial roofing claims throughout the country for all perils such as wind, fire, tornado and hail.