When a storm or system failure hits a business, the claim becomes a complex project. Timelines, coverage conditions, business interruption, and multiple stakeholders all converge. I represent commercial owners and landlords, single property and portfolio owners, and tenants with buildout and business personal property losses. I coordinate with property managers and lenders as needed while representing the owner or the tenant.

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WHAT I DO

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I file the claim, manage insurer communications and inspections, and document every part of the loss with photos, inventories, expert reports, and supported estimates. I prepare proofs of loss, guide witnesses through recorded statements and examinations under oath, handle reinspection and appraisal, and pursue mediation or litigation when it advances your outcome. I track statutory and policy deadlines, keep the file compliant, and provide clear updates so your team can make informed decisions.

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COMMON LOSSES AND COVERAGES

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I handle hurricane and windstorm damage to roofs and building envelopes, interior water intrusion from pipe breaks or sudden discharge, fire and smoke, electrical and surge events, theft and vandalism, and accidental collapse. Coverage issues often include ordinance or law upgrades, business interruption and extra expense such as loss of rents and loss of use, equipment breakdown and spoilage, civil authority, ingress and egress, and utility service interruption where endorsed.

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COMMERCIAL POLICYHOLDER FOCUS

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I measure business interruption and extra expense with appropriate accounting support, watch coinsurance requirements, manage blanket limits across scheduled locations, and apply named storm and windstorm deductibles correctly. I account for tenant improvements and betterments and any obligations in the lease. I help preserve key records such as point of sale data, payroll logs, vendor contracts, and maintenance histories so the financial side of the claim is provable.

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WHY INVOLVE COUNSEL EARLY 

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Carriers expect professional level documentation for large and complex losses. Early involvement prevents missed conditions, manages the flow of information, and keeps the timeline on track. I build the file around the questions adjusters and engineers actually use to decide payment so decision makers have what they need the first time. I push back on catch all wear and tear or preexisting damage labels, partial payments based on incomplete scopes or low unit pricing, repetitive document requests that stall progress, and denials based on limited or cursory inspections.

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FIRST STEPS

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Protect life safety, prevent further damage if it can be done safely, and photograph interiors, roofs, equipment, and inventory. Save invoices, work logs, and moisture maps. Centralize communication with a single point of contact. Speak with counsel before any recorded statement, proof of loss, or release.

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FREQUENTLY ASKED

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Do you take over delayed or underpaid claims?

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Yes. I can step in at any stage, organize the file, challenge the result, and move the claim forward.

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Will we have to go to court?

 

Many commercial claims resolve through negotiation, appraisal, or mediation. If litigation becomes the best option, I explain why and handle the process.

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Do you work with property managers and outside experts?

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Yes. I coordinate with managers, engineers, contractors, estimators, and forensic accountants while representing the owner or the tenant.

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GET HELP

 

I will review your situation, outline your best options, and start taking tasks off your plate immediately. Call 813 444 4991 or use the form below for a free case evaluation.