How do commercial public adjusters charge for their services?

Commercial public adjusters work on contingency, typically charging 10-15% of the final settlement amount. You pay nothing upfront and owe nothing if we don't recover additional funds. Our fee comes only from the increased settlement we secure beyond your insurer's initial offer. Commercial claims average 3-5 times higher settlements with professional representation compared to business owners handling claims alone. The additional recovery substantially exceeds our fee. Most businesses find that hiring a public adjuster is the best investment they make during the claims process.

What is business interruption coverage and how do you maximize it?

Business interruption coverage pays for lost income and ongoing expenses when property damage forces you to close or reduces your revenue. Insurers minimize these claims by using short coverage periods, disputing pre-loss income figures, and refusing to cover all necessary expenses. We document your actual business income using tax returns, financial statements, and accounting records. We calculate lost profits accurately, include extra expenses like temporary locations, and fight for extended coverage periods. Business interruption claims require forensic accounting expertise that most business owners lack. This is where professional representation provides the greatest value.

Why do commercial property insurance claims get denied or underpaid?

Insurance companies deny or minimize commercial claims by disputing causation, applying improper depreciation, undervaluing specialized equipment, refusing business interruption coverage, citing maintenance neglect, imposing coinsurance penalties, and demanding excessive documentation. They deploy tactics designed to delay payments and pressure businesses into accepting inadequate settlements. According to the Insurance Information Institute, commercial property claims disputes cost businesses billions annually in lost revenue and underpaid settlements. Professional advocacy challenges these tactics and recovers full policy benefits. The difference between settling without representation and with representation often determines whether a business survives.

How long does a commercial property insurance claim take?

Simple commercial claims may settle in 2-3 months. Complex claims involving significant property damage, business interruption, or multiple coverage issues can take 6-12 months or longer. Insurance companies deliberately slow the process through documentation requests and negotiation delays. We accelerate claims by submitting complete documentation immediately, maintaining constant pressure on insurers, and threatening bad faith complaints when delays become unreasonable. The faster your claim settles, the sooner your business recovers. Every day of delay costs you money in lost revenue and continuing expenses.

We Represent Commercial Property Owners Exclusively

Northeast Claims Adjusters handles commercial property insurance claims throughout New York, New Jersey, Connecticut, and Pennsylvania. We work for business owners, not insurance companies.

Our licensed public adjusters include structural engineers, certified contractors, and business loss consultants. We document property damage and calculate business interruption losses with precision insurers cannot dispute.

We've negotiated thousands of commercial claims involving retail stores, office buildings, warehouses, manufacturing facilities, restaurants, medical offices, shopping centers, apartment buildings, and industrial properties.

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Insurance Companies Target Commercial Properties for Denials

Commercial claims involve larger dollar amounts than residential claims. This motivates insurers to fight harder, delay longer, and deny more aggressively.

They claim your damage resulted from deferred maintenance, not a covered peril. They apply coinsurance penalties that reduce payouts by 30-50%. They dispute your business income figures, offering a fraction of lost revenue.

They force you to reopen prematurely in a damaged facility. They refuse to cover specialized equipment at replacement cost. They deny extra expense claims for temporary locations.

According to the Insurance Information Institute, commercial property claim disputes cost businesses billions of dollars annually. Businesses without professional representation typically recover less than 60% of covered losses.

Business Interruption Claims Get Routinely Denied

Business interruption coverage should pay lost income and ongoing expenses while your property gets repaired. This coverage exists specifically to prevent business failure after property damage.

Insurers deny these claims constantly. They argue your revenue loss resulted from market conditions, not property damage. They use artificially short coverage periods that end before you can reopen.

They dispute your pre-loss income calculations. They refuse to cover payroll, rent, loan payments, and other continuing expenses. They demand financial documentation most businesses don't maintain.

Business interruption claims require forensic accounting expertise. Without it, you lose the coverage that determines whether your business survives.

Our loyalty is to you, not your insurance company.

Q: What types of commercial property claims do you handle?

We handle all commercial property insurance claims including fire damage, water damage, storm damage, equipment breakdown, theft, vandalism, building collapse, and business interruption losses. We serve retail stores, office buildings, warehouses, manufacturing facilities, restaurants, medical offices, shopping centers, apartment buildings, and industrial properties throughout New York, New Jersey, Connecticut, and Pennsylvania. Our team includes structural engineers, contractors, and business loss consultants who specialize in commercial claims.

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Claims We handle

No matter what the damage or loss, we handle all types of claims.

Regional Expertise for Northeast Commercial Properties

Commercial properties in New York, New Jersey, Connecticut, and Pennsylvania face unique regional challenges. Winter storms cause roof collapses under snow loads. Coastal locations suffer hurricane and flood damage.

Older urban buildings contain outdated systems that fail during stress. Industrial properties in the Northeast often occupy aging facilities requiring expensive code upgrades after damage.

We understand regional construction methods, local building codes, and municipality requirements across the Northeast. This expertise helps us identify coverage for code upgrades and ordinance costs that insurers try to exclude.

FEMA reports that commercial property damage in the Northeast region reaches billions of dollars annually from weather-related events. Your business needs adjusters who understand regional risks and coverage issues.

Business Interruption in Northeast Markets

Northeast commercial real estate markets have high operating costs. Rent, utilities, payroll, and insurance expenses continue even when your business closes after property damage.

Recovery periods extend longer in dense urban areas due to permitting delays, contractor availability, and logistical challenges. Business interruption claims must account for these regional realities.

We calculate business interruption losses based on actual Northeast market conditions. We document extended recovery periods unique to this region. We fight for coverage periods that reflect reality, not insurer assumptions.

Emergency Services

We have emergency services which we can dispatch at anytime any day, 24/7.

We provide on-site emergency services the moment loss occurs, preventing further damage while fast-tracking the recovery of your business, home, and normal routine.

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Board-up Services

Emergency Plumbing

Emergency Electritian

Cleaning/Restoration

Water Removal

Restoration drying