Commercial Claims

commercial claims public adjusters

When disaster strikes your business property, the stakes are even higher.

At Allegiant Public Adjusters, we understand that every day you’re waiting on an insurance payout is a day your operations—and your income—are at risk.

We step in immediately to manage your commercial insurance claim with the urgency, expertise, and precision your business demands.

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Commercial Claims

When disaster strikes your business property, the stakes are even higher. At Allegiant Public Adjusters, we understand that every day you’re waiting on an insurance payout is a day your operations—and your income—are at risk. We step in immediately to manage your commercial insurance claim with the urgency, expertise, and precision your business demands.

Why You Need a Public Adjuster for Commercial Claims

Commercial insurance claims are more complex than residential ones. Multiple structures, specialized equipment, business interruption, and valuable inventory all factor into the settlement process.
Unfortunately, insurance companies often delay or undervalue commercial claims, creating unnecessary hardships for business owners.

A licensed public adjuster works exclusively for you, not your insurance company. We take on the burden of managing your claim so you can stay focused on running your business.

Benefits of Hiring Allegiant Public Adjusters

  • Complete documentation of property, inventory, and operational losses

  • Accurate valuations for complex assets and business interruption

  • Strategic negotiation to maximize your recovery

  • Industry-specific expertise for retail, hospitality, manufacturing, and more

  • No upfront fees — we are only paid when you get paid

Types of Commercial Claims We Handle

We have extensive experience managing a wide range of commercial property losses, across many industries and types of businesses.

Fire and Smoke Damage

A fire can halt your business operations overnight. Beyond the structural damage, smoke can infiltrate systems, merchandise, and even inventory you can't immediately see.
We fully assess the impact of fire and smoke, documenting both visible and hidden losses to build a comprehensive, evidence-based claim.

Water and Flood Damage

Whether caused by a burst pipe, hurricane, or flood, water can destroy commercial property, damage equipment, and lead to costly mold growth.
Our team knows how to properly document water-related losses and tie them back to the right policy provisions, strengthening your claim from the start.

Wind, Hail, and Hurricane Damage

Severe weather can leave your commercial property vulnerable to further loss if not addressed quickly.
We provide thorough inspections for roofing, windows, signage, parking areas, and landscaping to capture the full scope of damage from storms and hurricanes.

Vandalism, Theft, and Security Breaches

When your property is targeted by criminals, it’s not just physical losses—it’s the cost of recovery, downtime, and damaged customer trust.
We help document stolen property, structural vandalism, and the ripple effects on your business operations, ensuring a full and fair settlement.

Business Interruption and Loss of Income

One of the most overlooked areas of commercial insurance claims is business interruption—the loss of income while you recover.
We calculate your true business interruption losses, account for ongoing expenses, and ensure your policy’s provisions are fully enforced, so you can recover not just your property, but your profitability.

Our Commercial Claims Process

Commercial losses demand a specialized approach. We bring the technology, team, and tenacity needed to manage your claim effectively and efficiently.

1. Free Consultation and Policy Review

We begin by sitting down with you for a detailed consultation. We review your commercial insurance policy, explain your rights, and outline the steps needed to pursue your claim successfully.

2. Detailed Damage Assessment

Using 3D LiDAR scanning, Matterport® technology, and hands-on inspections, we create highly detailed documentation of structural, equipment, inventory, and operational losses.
We leave no corner of your property undocumented and no asset overlooked.

3. Claim Preparation and Strategic Filing

We prepare a robust claim package that includes damage reports, business interruption analyses, inventory valuations, and expert repair/replacement estimates.
Our goal is to make your claim airtight before it ever reaches your insurance company’s desk.

4. Aggressive Negotiation

Commercial insurers often push back harder than residential carriers—but so do we.
We negotiate firmly and knowledgeably, leveraging expert reports, forensic accounting, and irrefutable documentation to push your claim to a fair settlement.

5. Settlement and Business Recovery

We fight for the maximum payout in the shortest reasonable time frame, so you can begin rebuilding, restocking, or relocating with confidence.
Our success is measured by how quickly and completely we can help you get back to business.

Specialized Expertise for Every Industry

Every industry has unique needs and challenges when it comes to insurance claims. Our experience covers a wide range of commercial property types, including:

  • Retail Stores (shopping centers, boutiques, big-box locations)

  • Hospitality (hotels, restaurants, event venues)

  • Office Buildings (professional services, corporate headquarters)

  • Healthcare Facilities (clinics, dental offices, private practices)

  • Industrial and Manufacturing (factories, warehouses, logistics centers)

  • Multi-Family Residential (apartment complexes, condo associations)

We tailor our strategy to the specific needs of your industry and your business.

Technology That Strengthens Your Commercial Claim

In commercial claims, technology is your best defense. We use advanced tools to document your losses beyond traditional reports.

3D LiDAR Scanning

We capture the structural integrity of your property in high definition, down to the millimeter, providing undeniable evidence for negotiations.

Matterport® Virtual Documentation

Our immersive 3D walkthroughs allow insurance adjusters, attorneys, and third parties to assess the damage remotely and in detail, accelerating your claim resolution.

These technologies lead to faster settlements and stronger payouts.

Key Areas You Can Claim in Commercial Losses

A commercial claim often covers much more than just building repairs. We help you recover compensation for:

  • Structural Repairs (roofs, walls, flooring, parking lots)

  • Machinery and Equipment

  • Business Personal Property (inventory, office furniture, electronics)

  • Tenant Improvements and Betterments

  • Business Interruption and Extra Expense

  • Temporary Relocation Costs

  • Code Upgrades (required by local or federal regulations)

  • Loss of Rental Income (for commercial landlords)

We ensure that every eligible expense is properly included in your claim.

Why Businesses Trust Allegiant Public Adjusters

Business owners choose Allegiant Public Adjusters because we deliver results when it matters most. We offer:

  • Rapid Response — We mobilize quickly to protect and document your loss.

  • In-Depth Expertise — Commercial claims are our specialty.

  • Unwavering Advocacy — We fight for your business as if it were our own.

  • Proven Success — We have a strong track record of winning full and fair settlements.

  • No Hidden Fees — We are only paid when you are paid.

Your business can't afford long delays or lowball offers—and with Allegiant Public Adjusters, you won't have to accept them.

Your Claim, Our Commitment.

Ready to Fight for Policy Owners

You pay for protection. Don't settle for less than you deserve.
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