Types of Commercial Property Damage

Business owners who own their own commercial property are often familiar with the types of repairs that can come up. After a storm or other event, property damage can be overwhelming. Many business owners have insurance to cover such events. Unfortunately, however, insurance companies do not always pay claims as they should. When the insurance company refuses to cover a claim, it can result in high costs for the business owner.

Commercial property is subject to several types of damage, leading to costly repairs, such as:

  • Roof repairs and replacement
  • Siding and exterior wall refinishing
  • Foundation repair
  • Window systems and structures
  • Damage to the interior of the property
  • Damage to signs and outdoor lighting fixtures

These types of damages can be daunting, but may be covered by your commercial insurance policy. Getting your insurance company to actually compensate you for the damage can be a hassle, but the lawyers at Raizner Slania can help you get the compensation you deserve.

Certain events can leave you and your business reeling along with your property in disrepair. The attorneys at Raizner Slania have extensive experience in dealing with insurance companies after events that lead to significant property damage such as:

  • Hailstorms
  • Tornadoes
  • Water damage
  • Hurricanes
  • Fires

After one of these events, the last thing you want to deal with is fighting with your insurance company. If you have had all or even only part of your claim denied by your insurance company, contact the experienced lawyers at Raizner Slania. We work with knowledgeable experts to assess your damage and your insurance claim. In the event that an insurance carrier has acted in bad faith by refusing to honor a claim in a timely manner or offer reasonable compensation or settlement, the insured business may have grounds to assert a bad faith claim.

Commercial Roof Claim Dispute

After a roof is damaged in a major event such as a windstorm, hailstorm, hurricane, or tornado, an owner may be faced with an insurance company that will try to deny you the benefit of the full coverage that you have paid for. Many insurers will accept a claim in one situation but not in another or will refuse to fully cover damage by pointing to various minor provisions in your policy or claiming that something can be repaired rather than replaced.

For example, an insurance company may argue that they will cover hail or wind damage to air conditioning equipment on a roof, but not to the roof itself, or completely deny a claim based on the age of the roof claiming the damage is just from “wear and tear.” An adjuster may cite minor provisions, stating that the building owner is responsible for general repair or maintenance of the roof. Even if nothing is specifically noted in the policy provisions, it is not unusual for an insurance company to deny a roof damage claim based on age or other small caveats.

Attorneys Who Know How the System Works

The lawyers at Raizner Slania know the tactics insurance companies use and work thoroughly to hold those companies accountable under their own policies as well as state laws. When insurance companies deny claims, we counter with proven strategies. Our legal team is familiar with claims involving a variety of commercial roof and building types, including:

  • Thermoplastic Roofing known as TPO
  • Metal Roofs
  • Modified Bitumen Roofs
  • Built Up Roofing
  • EPDM Roof systems
  • Tile roofs
  • Shingle roofing

Combat the Insurance Company with the Help of Knowledgeable Experts

We do not take the insurance adjusters at their word. We actively investigate opinions from contractors, engineers, roofing specialists and meteorologists, and do an independent evaluation. We hire professional experts with experience and credentials to evaluate your claim and policy to make sure you receive the compensation you deserve. By researching and getting a comprehensive estimate of the real damages to your property, we are able to seek compensation that will cover your losses and put you and your business in the place that it should be.

Contact a Roof Damage Claim Attorney

Business owners whose structures have received significant damage during a storm or other event should not have to overcome hurdles and obstacles when seeking just compensation from their insurance company. Those who find themselves having to file commercial roof damage claims deserve whatever is necessary and due to them under their insurance contract. It is the responsibility of insurance companies to provide the insured business owners with whatever is necessary to bring their businesses back up to its pre-loss condition. Often, however, insurance companies can be resistant to their policyholders’ claims. If you are facing an insurance company who is denying your claim or not giving you the full compensation you are owed under your policy, contact the lawyers at Raizner Slania. Our experience with bad faith insurers and commercial disputes may give you the leg-up you need in obtaining just compensation for your commercial roof damage.