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Commercial Insurance Claims

When you start a commercial business, one of the first things you should do is obtain insurance coverage. Although we never expect it, damage to your property could occur.
Commercial Property Insurance

When you start a commercial business, one of the first things you should do is obtain insurance coverage. Although we never expect it, damage to your property could occur. Without proper insurance coverage, any event could leave your business and your property in despair. Because life is unpredictable, it is crucial for commercial business owners to have commercial property damage coverage.   

Although policies vary, commercial property insurance covers a business’s real property and the contents inside when the damage is caused by a fire, a storm, or any other event that is included in the policy. It is important to explain your concerns and coverage needs to your insurance provider to ensure your business will be covered in the event of damage to your property. It is equally important understand what your policy covers and the relief it can provide. 

Commercial property insurance can help pay for either repairs or replacements when property is damaged or destroyed. Based on the policy, it could provide: (1) replacement cost coverage, (2) cash value coverage, or (3) a combination of both. Some policies can cover losses from fires, storms, break-ins, vandalism, and even natural disasters. In addition to these, a policy could also pay a portion of lost income if the damage to your property prevents your business from operating normally. 

If your commercial property is damaged for any reason, it is important to timely file a claim with your insurance provider and provide proper documentation. In addition to providing proper documentation, you are required to mitigate damages by making temporary repairs to prevent any further damage to the property. The failure to take these steps can lead to the denial of your claim. 

While there are several reasons an insurance provider could deny a claim, there are instances where claims are wrongfully delayed or denied. When this happens, an insurance provider is acting in bad faith. If an insurance provider is acting in bad faith, as the policyholder, you are entitled to just compensation.  

If you are facing an issue with your insurance provider and you would like to get in contact with one of our attorneys, follow the steps outlined in the Get Started Now section below. For additional information on our online consultation process and hourly rates, please visit our Online Consultations Page. 

Getting Started with Commercial Property Insurance Representation 

  1. Email with a thorough, but precise summary of your claim, and services being requested. Please list any pertinent facts affecting your claim and any questions you may have. Attach all relevant documents to this initial email. The contents of your initial email will remain confidential.
  2. Within 1-2 business days (often faster), you will receive a response to your email with a quote, payment link, and engagement letter for the initial consultation based on the summary of your legal issue and the length and complexity of the documents attached. 
  3. In no circumstance will you be charged more than your initial consultation quote (full representation) or the quoted flat-fee (flat-fee structure) unless you give written authorization to proceed with the representation. After the initial consultation, you may agree to proceed on an hourly basis, on a flat fee if available, or you may decide to end the representation. 


Please note, the information on this webpage should not be considered legal advice and is strictly for informational purposes. Any interaction with this webpage or initial correspondence with our attorneys does not qualify as providing legal advice or retaining legal representation. Legal advice is available only to clients who have an executed Engagement Agreement with Forbes Barrentine Law PLLC. Forbes Barrentine Law PLLC does not provide legal advice relating to federal or state income taxes.  


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