When a hurricane, fire or flood hits an apartment complex, hotel, church campus or commercial building, the claim can run into the millions and take months to resolve. We document the entire loss and manage the claim so owners and managers can focus on keeping things running.
Every building, roof and unit, plus loss of rents while units are down.
Guest rooms, common areas, equipment and lost revenue.
Master-policy claims with updates for the board and owners.
Sanctuaries, halls, schools and parsonages on one policy.
Office buildings, shopping centers and storefronts.
Large roofs, building envelopes, equipment and inventory.
Classrooms, gyms and the cost of relocating while repairs are made.
Multiple properties and locations handled as one coordinated claim.
Apartment complexes and campuses can have dozens of roofs and hundreds of units. Every one has to be inspected and documented.
Lost income while the property is repaired is often one of the largest parts of the claim, and the hardest to prove.
If the property was insured for less than the policy requires, the carrier may reduce the payment. We review this early.
Commercial repairs often trigger current building code. Ordinance or law coverage can pay for it when the claim documents it.
Big repairs need cash flow. We push for partial payments so mitigation and rebuilding can start without waiting months.
Insurers bring engineers, accountants and consultants. We bring complete documentation of our own.
We inspect the property, write a line-by-line Xactimate estimate and handle the back-and-forth with your insurance company for homes, businesses and churches.
Generally, major damage to commercial, multifamily or institutional property where the claim is large, complex or spread across several buildings.
Yes. We inspect every building and unit, document roof and exterior damage across the property and help claim loss of rents while units are out of service.
Yes. Large losses take a team. We coordinate with everyone involved so the carrier gets one complete, consistent claim.
Yes. Many owners call us after the first estimate or partial payment comes in short. We review what has been paid and what is still owed.
Or email claims@oceanstates.net with photos and any letters from your insurance company.
