When a natural disaster or another catastrophic event like a fire wreaks havoc on your commercial structure, more often than not, the exterior is not the only part of the build that sustains damage. Hailstorms, windstorms, tornadoes, and fires, among other causes of property damage, can all cause serious and very extensive damage to a building’s interior. Insurance companies will often try to limit their exposure to exterior business property damage, and even then they give their policyholders a hard time about paying claims. When it comes to interior damage, insurance companies are known to delay, underpay, and deny valid claims much more often. This is because these repairs can sometimes be even more expensive than exterior repairs and the cost can be viewed as more subjective. For example, if you had your office custom painted, an insurance company will generally not pay out the cost you paid to have this work done without a fight, arguing that the actual cash value of your paintjob is far less than what you paid. Causes of interior damage can include roof leaks, ice damming, broken windows and other damage to the exterior of a building that results in water intruding into the interior. Once water damage occurs to a building’s interior, if it is not quickly addressed mold, mildew, and other health hazards will begin to take over the space. If you fail to take precautions such as tarping the roof or boarding up the windows, the insurance company may try to hold you liable for the entirety of the interior damage.
Portions of a Building Interior That Can Be Damaged
- Ceiling tiles
- Flooring, including hardwood floors, carpet, commercial tile, and more
- Sheetrock, stone, and stucco
- Electrical system
- Plumbing system
- HVAC system
- Fixtures such as lighting fixtures
- Personal effects
Commercial Property Building Interior Damage Claims Attorneys
Interior repairs are detailed, time consuming and expensive. They can involve all of the components of an interior of a commercial building. If your insurance company has delayed, underpaid, or denied your interior damage claim, the team of building damage attorneys at Raizner Slania will aggressively protect your interests during claims negotiation and in the courtroom. Our experience includes representing individual owners, property management companies, small and large business owners, and more. To discuss your situation with an experienced building insurance claim attorney, please contact Raizner Slania today. We can help you protect your investment and recover what you are entitled to under your policy.