Commercial property claims
the whole loss, not just the building.
Commercial losses are bigger, more layered, and more expensive to get wrong. Building, tenant improvements, inventory and equipment, lost rents, lost income — each has its own coverage, its own documentation, and its own ways of being shorted. We run the whole claim.
The full scope of a commercial property claim
Coverage varies by policy — this is what we look for, document, and pursue when it applies. The claim you file should be as complete as the loss you suffered.
- 01Building & structure — The commercial building loss, scoped and priced for real NYC construction — access, logistics, and code exposure included.
- 02Tenant improvements & betterments — Build-outs sit between the landlord's policy and the tenant's. Whose policy owes what depends on the lease and the policies — getting it wrong shorts both sides.
- 03Business personal property — Inventory, equipment, furniture, fixtures — documented and valued item by item, with depreciation challenged where it's overreached.
- 04Loss of rents — For landlords: rental income lost while damaged space can't be leased is a covered loss under many policies, for the realistic restoration period.
- 05Business interruption — Lost income and continuing expenses while operations are down — the deepest part of many commercial claims. We cover it in depth here.
- 06Ordinance & law — Older NYC buildings often can't be rebuilt as-was. Code-required upgrades are a major exposure — and a coverage that has to be claimed deliberately.
We worked the carrier side. We know where the money goes missing.
Our adjuster spent years handling property claims from inside the carrier's process. On commercial property losses, these are the patterns we watch for.
Carriers on both sides point at the other policy for tenant improvements. Reading the lease against both policies is how the gap gets closed instead of eaten.
Aggressive depreciation on equipment and inventory quietly cuts settlements. Line-item pushback with real valuations moves it back.
The building gets scoped; the business's lost income and the landlord's lost rents get a shrug. They're covered losses and deserve the same rigor.
Built for every side of commercial property
Business owners
Your space, your equipment, your inventory, your downtime — one claim that covers the operation, not just the walls.
Landlords
Building damage plus loss of rents, across one unit or a whole portfolio — documented per unit and pursued as one coherent claim.
Co-op & condo boards
Master-policy claims for the building and common elements, coordinated cleanly with unit owners' individual policies.
Property managers
We plug into your process — documentation, vendor coordination, and owner reporting — so the claim doesn't consume your team.
The first days decide the claim
No countdown clocks, no pressure — just how claims actually work. Early documentation is the difference between what happened and what gets paid.
Most policies require prompt notice of a loss. Delay alone can complicate coverage — the clock starts at the damage, not when you get around to it.
Water migrates, mold can begin within 24–48 hours, smoke residue etches surfaces — and repairs made before documentation erase the proof.
Reserves and first impressions get set in the first days. What's missing from the early record rarely gets paid later.
Don't discard damaged property, don't sign off on scope, and don't accept a first offer before an independent review.
From damage to settlement, in four steps
You stay focused on your home or business. We run the claim.
Free inspection & policy review
We come to you, assess the damage, and read your policy line by line to find every coverage that applies.
We document the loss
Full photo evidence, inventory, and a detailed estimate the insurance company can't brush aside.
We fight the carrier
We file, push back on lowball offers, and negotiate directly with your insurer from start to finish.
You get paid
The settlement goes to you. We coordinate our vendors to put your property back together.
Independent facts — not our claims
Here's what government studies and regulators say about property claims and representation.
Typical claim payments were $9,379 with a public adjuster vs. $1,391 without in non-catastrophe property claims, in a state review comparing represented and unrepresented policyholders.
OPPAGA Report 10-06 (2010). Gross settlements before adjuster fees; Florida data.
After Superstorm Sandy, a federal claims review paid over $258 million in additional money to more than 15,000 flood-insurance policyholders — most in New York and New Jersey — after litigation in New York federal court revealed damage reports had been altered to reduce payments.
FEMA Sandy Claims Review, 2015–2018; U.S. Senate oversight records.
Public adjusters are licensed and regulated by the NY Department of Financial Services, and you can cancel a compensation agreement without penalty until midnight of the third business day after signing. Verify any public adjuster's license on the DFS portal — including ours.
NY Department of Financial Services.
Commercial Property claim questions
I'm a tenant. Is the damage mine to claim or my landlord's?
Can you handle a claim for our co-op or condo building?
What is business interruption coverage?
Do you handle loss of rents for landlords?
How is a commercial claim different from a residential one?
Can we keep operating during the claim?
Had a loss? Let's talk today.
Answer a few quick questions — it takes under a minute. We'll review your situation free, with no obligation, and if we can help, we'll take it from there.
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