Commercial Property Claims

THE DIFFERENCE…

The difference between businesses that rebound and continue to thrive after a disaster strikes and those that do not can simply be a matter of knowing what is covered and what is not. But because commercial insurance policies are often complex and written in a language that seems more like hieroglyphics than plain English, valuable benefits policyholders are entitled to often go unclaimed in the rush to get their businesses back up and running.

We understand that tragedy, like justice, is blind. When disaster strikes, it doesn't pick and choose. It affects business owners and home owners equally.

At Merlin Law Group, P.A., we understand that time is a critical factor for businesses with commercial property claims. Our attorneys keep this in mind and will try to expedite the process as much as possible while working to secure all of the benefits your policy entitles you to. Our services span the entire claims process, including coverage dispute mediation, settlement negotiations, claim presentation, bad faith litigation, and insurance claim appeals. In particular, the following damages need to be addressed with commercial property claims:

Building

• Investigate and analyze all "on-site" property damage to the building
• In accordance with policy requirements, prepare details of the loss, using replacement costs and actual cash values where applicable
• Calculate appropriate depreciation where necessary
• Prepare all valuations necessitated by coinsurance provisions (if required)
• Prepare a concise, detailed, well-documented claim
• Recommend to management actions that will mitigate the loss

Contents & Stock

• Investigate and analyze all "on-site" property damage to the contents, including stock, supplies, furniture, fixtures, machinery, equipment, improvements and betterments, computer systems, etc.
• In accordance with policy requirements, prepare details of the loss, using replacement cost and actual cash value where applicable
• Prepare all valuations necessitated by coinsurance provisions (if required)
• Prepare a concise, detailed, well-documented claim

Extra Expense

• Analyze and advise management on extra expenses that are necessitated and recoverable under the insurance provisions
• Coordinate tracking or extra expense items to ensure collectability
• Determine excess expenses over normal expenses
• Continue to track recoverable extra expense during an extended period of indemnity, if available under the insurance program
• Integrate the extra expense claim with the property damage claim
• Present and support the claim

In addition to making certain all of these damages are taken into consideration, our lawyers will also make a detailed accounting of all income losses covered by your policy that were caused by the interruption of business activities.

Talk to Our Attorneys

From our Florida and Mississippi law offices in Coral Gables, Tampa, Houston, and Gulfport, we represent policyholders along the Gulf Coast, the Atlantic Coast, in the Great Plains, in Northern California, in Southern California, and throughout the U.S., with all types of commercial property claims.

For further information about our practice — reach us from anywhere in the U.S. by calling 1-877-449-4700 toll free, or complete the brief form located on our contact us page.

Our experience can make all the difference.

We appreciate your interest and look forward to speaking with you.