Commercial property damage claims are far more complex than residential losses. Businesses face not just physical damage, but interruption of operations, loss of inventory, tenant issues, and financial strain. When a commercial building suffers damage, the impact affects owners, employees, and customers — and the insurance process becomes even more challenging.
As your public adjuster, I protect your business by handling every aspect of the claim, ensuring that your property, your profits, and your operations are fully accounted for and properly restored.
Pipes can freeze, crack, or suddenly break, sending gallons of water rushing through your home or business. The damage isn’t just about water on the floor—it’s what that water does after it spreads into walls, ceilings, insulation, and flooring.”
Commercial losses involve:
* Larger structures
* Higher repair costs
* Complex systems (HVAC, electrical, mechanical)
* Business interruption coverage
* Inventory, equipment & supply losses
* Tenant/landlord obligations
These factors make commercial claims highly technical, and insurance companies often push back harder on them than on residential ones.
Fire and smoke • Water and burst pipes • Storms and wind • Vandalism & malicious acts • Vehicle impact • Mold contamination • Plumbing or sewer backup • Roof leaks and structural deterioration • And many others
* Underestimate the true cost of repairs
* Question business interruption losses
* Ignore hidden structural or mechanical impacts
* Delay payments for “additional investigation”
* Dispute coverage for equipment or inventory
* Downplay long-term or secondary damage
Commercial claims can involve multiple adjusters, engineers, and insurance representatives, making it easy for key losses to be overlooked.
He documents not just the visible flooding, but hidden damage inside walls and floors.
Detailed photos, professional estimates, and reports that prove the true cost of repairs.
He pushes back against low offers and exclusions.
He fights for the maximum payout so you can restore your property completely.
Commercial claims require experience, strategy, and strong advocacy. Jerry Kotler stands on your side — not the insurance company’s — to protect your property, your revenue, and your peace of mind.
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