552dd6dd50a67839d896325d78c4b204?s=96&d=mm&r=g

Written by Andy Gurczak

April 7, 2022

Handling a Commercial Fire Damage Insurance Claim

Unfortunately, one in four building fires occurs in commercial, institutional or public buildings. Handling a commercial fire damage insurance claim is complicated and time-consuming. For instance, you may have experienced a fire that only damaged a section of your building.

Conversely, you may have had a fire that caused a total loss. 

In either case, you may need the help of an experienced public adjuster to file your claim. In addition, the public adjuster can gather evidence of your company’s losses. An adjuster can also negotiate a fair settlement with your insurance company. 

What are the Fire Losses in a Commercial Fire Damage Insurance Claim?

There are many damages that a fire can cause to a business.

Soot and Smoke

Smoke, soot and ash can spread throughout a building. Indeed, smoke and soot will reach parts of the building that were never touched by flames. 

Of course, the existence of smoke, ash and soot is a health hazard. Therefore, the business owners may have to hire a company to completely clean the building. In addition, the company will remove soot and any other hazardous materials caused by the fire. Certainly, this will have to be done before the business can be fully operational. 

Structural Damage

The flames and heat generated by the fire can damage walls, ceilings and flooring. Likewise, intense heat can warp, melt or otherwise damage the internal structure of the building. For example, support beams, floor joists, or load-bearing walls can be severely damaged. 

Building Equipment, Furniture, Inventory and Machinery

Whatever the business, the interior of the building and its contents can be damaged significantly. Flames, heat, smoke and soot can combine to destroy machinery in a factory.

Likewise, a fire can damage the inventory in a warehouse.

Similarly, a fire can destroy or make inoperable computers and other electronics in an office building. The fire can also destroy furniture, office supplies and copy machines throughout the building. 

Fire Suppression Efforts 

Certainly, all communities praise their fire departments who routinely respond to a house fire or a business fire. Of course, we all recognize they save property and possibly lives. 

However, fire suppression efforts also cause damage to properties. For instance, there is usually a great deal of water damage to the building. Similarly, doors and windows may be broken.

Likewise, holes might be punched out in walls and ceilings to allow ventilation. 

Lastly, firefighters often use foam or powder to put out the fire. These substances can cause damage to furniture, electronics, etc.  

Restoration/Repair

Your building may have to undergo substantial repairs. However, if it is an old building, you may face additional costs regarding the current building codes in your area. Indeed, unless you have building code insurance coverage, your standard policy may not cover the costs of the upgrades your contractors will need to make. These upgrades may be necessary so that your building complies with the current code and/or “Green” building requirements.

Business Interruption Insurance Coverage

Business interruption coverage is available to companies. It can be purchased as an endorsement to their standard business insurance policy.

In fact, it is a good idea for companies to purchase that coverage.

For instance, a covered event triggers business interruption insurance, like a fire. Therefore, a business may have to shut down because of a fire. In that case, business interruption insurance replaces business income lost because of the fire. 

For example, business interruption insurance covers:

  • Lost profits;
  • Fixed expenses;
  • Employee salaries;
  • Costs related to moving to a temporary location; and
  • Any extra expense the company incurs because of the fire.

If You Need a Public Adjuster for Commercial Fire Insurance Claims, Call AllCity Adjusting

We are a family-owned claims company with five decades of combined adjusting experience. As a result, if there’s one thing we understand, it’s that you need 100% of your claim value.

As a business owner, you have already gone through a tumultuous event. For this reason, get an agency that gets you more.

At AllCity Adjusting we work to ensure you get 100% of your commercial fire damage insurance claim value. Equally important, with over 50 years of combined experience as insurance adjusters, we know insurance companies and understand where they cut corners. 

As a matter of fact, the commercial fire claim process can be complicated and messy. However, we can help organize your records and your proof of damage. In addition, we can help you get the evidence to support your business interruption claim. 

In short, we help you build a larger business insurance claim and maximize your claim value. Indeed, we get you back to normal fast. 

To sum up, don’t get fooled. Get the company that gets you more.

Therefore, if you have filed a claim but only received a low-ball offer from the insurance company, or they are taking too long to process your claim, call us at 844.692.3587. Or you can email us at info@allcityadhjusting.com.

free claim review

Best way to beat the insurance company is to hire AllCity Adjusting

At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.
public adjusting call support

Real Support When You Need It!

Understanding Insurance Claim Denials: Why They Happen and How to Prevent Them

Understanding Insurance Claim Denials: Why They Happen and How to Prevent Them

If you own property, managing roofing insurance claims might seem tough. Knowing how to quickly deal with roof damage insurance claims from water, weather, fire, or unexpected events is helpful. In this guide, we’ll share useful tips to help you understand and work through roofing insurance claims more easily, aiming for a quicker solution.

The Hidden Costs of DIY Insurance Claims (and How a Public Adjuster Can Help)

The Hidden Costs of DIY Insurance Claims (and How a Public Adjuster Can Help)

If you own property, managing roofing insurance claims might seem tough. Knowing how to quickly deal with roof damage insurance claims from water, weather, fire, or unexpected events is helpful. In this guide, we’ll share useful tips to help you understand and work through roofing insurance claims more easily, aiming for a quicker solution.

7 Red Flags That Indicate You Need to Hire a Public Adjuster

7 Red Flags That Indicate You Need to Hire a Public Adjuster

If you own property, managing roofing insurance claims might seem tough. Knowing how to quickly deal with roof damage insurance claims from water, weather, fire, or unexpected events is helpful. In this guide, we’ll share useful tips to help you understand and work through roofing insurance claims more easily, aiming for a quicker solution.

Navigating Fire Damage Claims: What Every Property Owner Should Know

Navigating Fire Damage Claims: What Every Property Owner Should Know

If you own property, managing roofing insurance claims might seem tough. Knowing how to quickly deal with roof damage insurance claims from water, weather, fire, or unexpected events is helpful. In this guide, we’ll share useful tips to help you understand and work through roofing insurance claims more easily, aiming for a quicker solution.

Stay Up to Date With The Latest News & Updates

Don't Wait - Get More

Get a free 1 hour consultation on your next call. So call today and challenge the insurance company narrative on your policy claim. We can help you with all your public adjuster claims support. Let us help you get more.

public adjuster service areas background

Join Our Newsletter

Do you want to learn more about public adjusting. In this newsletter we create helpful tips and hints and you will receive notifications when we post new articles.

Follow Us

Follow us on the following social networks.

Call Us Now

AllCity Adjusting

All City Adjusting