Commercial Property Insurance Claims
A commercial loss is not a bigger version of a house fire. It is a different animal. You have a building, you have contents, you have tenants or customers, and you have income that stops the day the doors close. Your policy covers all of it. Getting the carrier to pay all of it is the hard part.
Bellator Claims Resolution are licensed public adjusters and insurance appraisers working commercial and industrial property claims across Colorado and Wyoming. We work for the policyholder. Never the carrier.
Property We Handle
- Office, retail and mixed-use buildings
- Industrial and warehouse facilities
- Apartment complexes and multi-family portfolios
- HOAs and condominium associations
- Hotels, restaurants and hospitality
- School districts and campuses
- Municipal and public buildings
- Churches and non-profits
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The Coverages Commercial Claims Get Wrong
On a commercial policy the building is often the smallest part of the recovery. These are the ones carriers quietly leave short:
- Business income: the profit you would have earned during the period of restoration, not just the month the roof was open.
- Extra expense: what you spent to keep operating - temporary space, rented equipment, overtime.
- Expediting expense: paying more to get repairs done faster.
- Ordinance or law: the cost of bringing the undamaged portion up to current code.
- Loss of rents: vacancy caused by the loss, including tenants who leave and do not come back.
- Equipment breakdown: mechanical and electrical failures that follow a covered event.
- Builder's risk: losses during construction or renovation.
- Inland marine: tools, equipment and property in transit or off-site.
- Leasehold interest: the value of a favorable lease you lose.
- Debris removal and professional fees: real line items, routinely omitted.
Why Commercial Claims Stall
Large losses get assigned to large-loss adjusters, engineers and accounting firms hired by the carrier. Every one of those reports is written from the carrier's side of the table. Without someone building your side of the record, the file becomes a one-sided document and the settlement follows it.
We build the other side: a full scope of damage, real local pricing, a documented inventory, a supported business income calculation, and a policy analysis that ties each dollar to a covered cause of loss.
When the Number Is the Only Dispute
If the carrier agrees the loss is covered but will not agree on the amount, most commercial policies contain an appraisal clause. It is faster and cheaper than litigation. We serve as appraiser and as umpire, and we walk owners through whether invoking it makes sense. See property insurance appraisal.
Causes of Loss We Work
- Hail and wind
- Fire and smoke
- Water and freeze
- Flood
- Collapse
- Vehicle impact
- Vandalism and theft
- Explosion
- Tornado
Related: hail damage claims, water damage claims, fire and smoke claims.
What It Costs
Nothing up front. We are paid a percentage of what we recover. If your claim has been denied or underpaid, a review costs you nothing.
Talk To Us About Your Commercial Claim
Call 720-707-3577 in Colorado or 307-206-8711 in Wyoming. Free claim review, no obligation.
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