Commercial Hurricane Claims: Protect Your Business Recovery
A hurricane can shut down your business for weeks or months. We document every dollar of property damage and business interruption loss so your recovery is complete.
Commercial Hurricane Claims Are Complex. We Handle Every Detail.
Commercial hurricane claims involve multiple layers of loss: property damage to the building and its contents, business interruption losses from the period your operations were suspended, and extra expense costs incurred to resume operations. Each category requires separate documentation and accounting.
Insurance companies may undervalue commercial hurricane claims by underestimating the scope of property damage, disputing the period of business interruption, or overlooking extra expense coverage.
We document every aspect of your commercial hurricane loss and present a complete claim that reflects the true cost of your recovery and the full extent of your business interruption.
Common Damage Types We Document
- Structural and Roof Damage: Damage to the building envelope, roof, windows, doors, and structural elements caused by hurricane-force winds.
- Business Personal Property: Damage to equipment, inventory, furniture, fixtures, and all business personal property.
- Business Interruption: Lost revenue and continuing expenses during the period your business operations are suspended due to covered damage.
- Extra Expense Coverage: Additional costs incurred to resume operations, such as temporary facilities, expedited repairs, and equipment rentals.
What You Need to Know
Business Interruption Coverage
Business interruption coverage replaces lost revenue and pays continuing expenses during the period your business is unable to operate due to covered property damage. The calculation of the covered period and the amount of lost revenue is complex and frequently disputed. We document and present your business interruption claim with the rigor it requires.
Extra Expense Coverage
Extra expense coverage pays for additional costs incurred to resume operations more quickly than would otherwise be possible. This can include temporary facilities, equipment rentals, and expedited repairs. We identify all applicable extra expense costs and include them in your claim.
Wind vs. Flood Separation
Commercial properties may have separate wind and flood policies. Properly separating wind-caused damage from flood-caused damage is critical to maximizing recovery from both policies. We document each type of damage carefully and file correctly under each applicable policy.
Tips That Protect Your Claim
Document All Property Damage Immediately
Photograph every damaged area of your building, every damaged piece of equipment, and every affected area of your facility before any cleanup or temporary repairs begin.
Secure the Property
Board up broken windows and doors and tarp damaged roof sections to prevent additional damage. Your policy requires you to mitigate further loss. Keep all receipts.
Begin Tracking Business Interruption
From the moment your operations are affected, begin tracking lost revenue and all continuing expenses. This documentation is essential to your business interruption claim.
Preserve All Financial Records
Gather financial records including tax returns, profit and loss statements, and sales records for the 12 to 24 months before the loss. These records establish your baseline revenue for the business interruption calculation.
Track All Extra Expenses
Keep receipts for every additional cost incurred to resume or maintain operations, including temporary facilities, equipment rentals, and expedited shipping. These extra expenses may be covered under your policy.
Call Us Before Signing Anything
Do not sign any releases or accept any settlement offers before speaking with a licensed public adjuster. Only licensed public adjusters and attorneys can legally represent you in the claims process. Your contractor handles the rebuild , we handle the coverage and settlement details.
Critical: Protect Your Claim Before Starting Any Repairs
Do not begin full repairs until your claim is fully settled. Damage is evidence. Altering or removing it before your insurer has properly documented it can eliminate coverage entirely. Insurance companies only pay for what can be proven. Only perform emergency repairs necessary to prevent further damage, and document everything with photos and video before touching anything.
Why Policyholders Trust DCS PIA
We bring insider knowledge, construction expertise, and genuine care to every claim.
We document property damage, business interruption, and extra expense losses as separate categories.
We gather and analyze financial records to support a complete business interruption claim.
We separate wind damage from flood damage to maximize recovery from both policies.
Our founder worked inside the insurance industry and knows how commercial claims are evaluated.
We are fully licensed and bonded in Texas and Florida.
No recovery, no fee. You pay us nothing unless we help you recover money.
We handle every step from inspection to final settlement.
We help you understand and fulfill every obligation under your policy.
Frequently Asked Questions
Ready to Get What Your Policy Owes You?
Schedule a free, no-obligation consultation with a licensed public adjuster today. No recovery, no fee. No risk to you.
