Need Help With a Commercial Claim? We’ve Got You.

Running a business in Orlando is demanding. Between managing employees, serving customers, and keeping the lights on, your plate is already full. The last thing you need is a property disaster that threatens to shut your doors. When a pipe bursts in your warehouse, a fire damages your restaurant’s kitchen, or a hurricane tears the roof off your retail space, the immediate physical damage is just the beginning of the crisis. You are suddenly thrust into a high stakes battle with your insurance company, a battle that can determine whether your business survives or fails.

Commercial insurance claims are exponentially more complex than residential ones. The policies are dense, the coverage is intricate, and the financial implications of a mistake are massive. Insurance companies know this. They have teams of adjusters and forensic accountants working to limit their exposure. You need a team on your side, too. At US CARE Claims, we specialize in navigating the labyrinth of commercial claims to ensure your business gets every dollar it needs to rebuild, recover, and reopen.

The Complexity of Commercial Policies

A commercial insurance policy is not a standard document; it is a customized contract with layers of endorsements, exclusions, and conditions. Understanding what is covered requires more than a quick read. For example, does your policy cover “law and ordinance” upgrades if you have to rebuild to current code? Does it have a “coinsurance” clause that could penalize you if your property was undervalued?

Many business owners are shocked to learn that their “comprehensive” policy has gaps. We see this often with water damage claims. A standard policy might cover a sudden burst pipe but exclude damage from a “continuous or repeated seepage.” The insurance company’s adjuster will look for evidence of long term issues to deny the claim. We know how to counter these arguments. We understand the specific language of commercial policies and how to prove that your loss falls within the coverage you paid for.

Business Interruption: The Lifeline You Cannot Afford to Miss

Physical damage is only part of the equation. For a business, time is money. Every day your doors are closed is a day of lost revenue. This is where “Business Interruption” coverage comes in. It is designed to replace the income you would have earned if the disaster had not happened. However, calculating this loss is one of the most contentious parts of a commercial claim.

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Insurance companies will demand years of tax returns, profit and loss statements, and payroll records. They will try to argue that your lost income is due to market trends or seasonal dips, not the damage itself. They may calculate your “period of restoration” based on an unrealistic repair timeline, cutting off your payments before you can actually reopen.

At US CARE Claims, we work with forensic accountants to build a bulletproof business interruption claim. We calculate your projected revenue based on real data, not the insurer’s pessimistic projections. We fight to ensure you are paid for the full duration of the interruption, including the time it takes to restock inventory and regain customers. This coverage is often the difference between staying in business and closing forever.

The Commercial Roof Battle

In Florida, commercial roofs are a frequent source of disputes. Flat roofs, common on warehouses and strip malls, are particularly vulnerable to wind uplift and hail damage. The damage is not always visible from the ground or even to the untrained eye on the roof. A small puncture in a membrane roof can lead to massive water intrusion that saturates the insulation below.

Insurance adjusters often try to repair these roofs with patches or coatings, arguing that a full replacement is not necessary. They might claim the damage is “cosmetic” or pre existing. This is a dangerous trap. A patched roof on a commercial building can void manufacturer warranties and leave you exposed to future leaks.

We approach commercial roof claims with a forensic mindset. We use core sampling to test for moisture in the insulation. We use thermal drones to map the extent of water damage across large surface areas. We understand the specific building codes that trigger a full replacement. We do not settle for a patch when you are owed a new roof that protects your inventory and your tenants.

Managing the “Loss of Use” for Tenants

If you own a commercial property that you lease to others, a disaster creates a domino effect. Not only do you have property damage, but your tenants may be unable to pay rent, or they may break their leases entirely. Your insurance policy likely includes “Loss of Rents” coverage, but triggering it and maximizing it requires careful documentation.

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We help you navigate the complex relationship between your property claim and your tenants’ rights. We ensure that your claim includes the lost rental income while the building is uninhabitable. We also help you manage the communication with your insurance company regarding tenant improvements. Who is responsible for the build out? Is it your policy or the tenant’s? We clarify these lines of coverage so you aren’t left paying for repairs that should be covered.

Why a Public Adjuster is an Investment, Not an Expense

Some business owners hesitate to hire a public adjuster because they worry about the fee. It is important to view this as an investment in your company’s recovery. The Florida OPPAGA study showed that policyholders who used a public adjuster for commercial claims received settlements that were significantly higher than those who handled the claim themselves.

Think of it this way: your insurance company has professional adjusters working to save them money. If you do not have a professional working to get you money, you are at a distinct disadvantage. We take the burden of the claim off your shoulders so you can focus on running your business. We handle the meetings, the paperwork, and the negotiations. We ensure that you don’t make critical mistakes, like signing a release too early or accepting a lowball offer, that could cost your business thousands.

Your business is your livelihood. When it is threatened by a disaster, you cannot afford to leave your recovery to chance or the “generosity” of an insurance company. You need a partner who understands the stakes and has the expertise to win. US CARE Claims is that partner. We have the experience, the resources, and the tenacity to handle even the most complex commercial claims in Orlando. Let us fight for your business so you can get back to doing what you do best.