Commercial roof damage claims are often denied or underpaid.
We have 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. Insurance companies will use these clauses as a way to deny a claim.
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.
Investigations performed 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. We work to enforce the full value of your roofing claim and maximize your return.
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.
A public adjuster’s job is to expedite and maximize your claims process, allowing you to focus on your business.
What is the correct process for filing a commercial roof damage claim?
A public adjuster will take over the entire claims process. They thoroughly document and examine the actual scope of damage to maximize the claim. It is a public adjuster’s job to consult with all adjusters from the insurer, 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 replaced. We’ve handled commercial roofing claims throughout the country for all perils such as wind, fire, tornado and hail.
We negotiating with adjusters and examiners on your behalf, allowing you to focus on running your business.
We maintain regular communications with you, keeping you informed throughout the entire claims process.
Submit to Insurance
We present a detailed claim file to your insurance company that includes all our estimations and analysis.
Expedite & Maximize
We fight as your advocate at all inspections and consultations with your insurer.
Save Yourself Time With AAPA
We understand how important is for you to focus on your business goals. Any insurance claim process can delay your productivity and leave you buried in complex negotiations.
Who is representing your best interests?
All commercial property owners should have a public adjuster on speed dial.
Insurance companies hire a team of experts to evaluate, investigate, and either pay for the loss or deny your claim. This team of adjusters, examiners, and appraisers are hired by the insurance company. We believe you should do the same.