Commercial Claims

Commercial property owners and businesses face complex policies and larger losses. We handle the documentation, valuation, and negotiation so your business recovers and reopens faster.

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Commercial Claims
What we handle

We document it. We negotiate it. You recover it.

Commercial property owners and businesses face complex policies and larger losses. We handle the documentation, valuation, and negotiation so your business recovers and reopens faster.

  • Commercial property damage
  • Business interruption
  • Large-loss negotiation
  • Multi-unit and HOA claims

Every file is handled by a licensed adjuster, on contingency. You pay nothing upfront and nothing at all unless we recover for you.

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What does a commercial public adjuster handle?

We represent businesses, property owners, and associations on commercial claims, documenting building damage, equipment and inventory, code-upgrade costs, and the business-interruption losses that come from being closed or slowed. Commercial policies are denser and the dollars are larger, which is exactly why the carrier's first scope tends to fall short.

When to call us

When you need commercial claims help

  • Storm, water, fire, or structural damage has closed or slowed your operation
  • You're facing a large or complex loss with a dense commercial policy
  • Business-interruption or lost-income coverage is in play and hard to quantify
  • You manage a multi-unit building, HOA, condo association, or commercial portfolio
  • The carrier's offer doesn't reflect the true cost to rebuild and reopen
How it works

How commercial claims work with Vanguard

  1. Loss assessment & policy review
    We inspect the property, scope the damage, and read the full policy (including business-interruption and code provisions) to map what's recoverable.
  2. Document structure and income loss
    We build the property scope and, where covered, quantify lost income and extra expense with your financial records.
  3. File and present the claim
    We submit a documented claim and meet the carrier's adjuster and experts on site to defend the scope.
  4. Negotiate the large loss
    We challenge under-valuation, depreciation, and omitted code upgrades, invoking appraisal when the carrier won't move.
  5. Settle and reopen
    We work to release funds quickly so repairs and operations can resume, and confirm recoverable depreciation is paid.
Evidence, not adjectives

How we build your case

The settlement follows the documentation. Here's what we put on the record so the claim is decided on evidence, not the carrier's first impression.

  • Full building and systems damage scope with line-item estimates
  • Equipment, fixtures, and inventory loss inventories with values
  • Business-interruption analysis built from your financial records
  • Code-upgrade (ordinance-or-law) line items required to rebuild
  • Vendor and contractor estimates for repair and replacement
  • A causation and timeline record tying losses to the covered event
Why it matters

Why this beats going it alone

Commercial carriers bring engineers, accountants, and seasoned adjusters to a large loss. Going it alone, or leaving it to a broker, usually means accepting their valuation of both your building and your lost income. We bring an independent, documented counter-valuation so the settlement reflects what it actually costs to rebuild and reopen.

Fees

What it costs: no recovery, no fee

We work on contingency, so there are no upfront fees, and if we don't recover, you don't pay. The fee for your claim is set out in the written contingency agreement we review with you before you sign. You also have the right to cancel a public adjuster contract without penalty within a short window after signing: 10 days in Florida (30 days during a declared emergency) and five business days in South Carolina, so you're never locked in.

Want the full breakdown of how public adjuster fees work? See our public adjuster cost guide.

Commercial Claims questions

Commercial Claims FAQ

It's built from your financial records (historical revenue, fixed costs, and the period of restoration) to quantify lost income and extra expense during the time your business is impaired. Carriers often understate the restoration period. We document it so the lost-income figure reflects reality.
Yes. We handle multi-unit, HOA, and condo-association property claims, where the interplay between the association's master policy and unit-owner coverage makes accurate scoping and documentation especially important.
On contingency, the same as residential work. There are no upfront fees; we're paid only from what we recover for you, and the fee for your claim is set out in the written contingency agreement before you sign.
It depends on your state and policy. In Florida, for policies effective on or after December 16, 2022, you generally have one year from the date of loss to report a claim and 18 months for a supplemental claim (Fla. Stat. § 627.70132). In South Carolina, you generally have three years to file suit (S.C. Code Ann. § 15-3-530), though your policy's own notice and proof-of-loss deadlines are usually shorter and control. Document the loss and report it promptly.
Client stories

Real reviews from the policyholders we represent.

  • Dayna is the absolute BEST! I was honestly so overwhelmed with my claim and I had no idea what was up and what was down all while they were tearing my house apart from water damage. Dayna took the reins and I was never more thankful. She was incredibly communicative through the whole process and advocated for me tirelessly to make sure that once everything is done, I was made whole again.
    Julia Sprankle
    Water damage claim · Google review, May 2026
  • I had an excellent experience working with Vanguard Solutions LLC. Andrew Pichardo was incredibly knowledgeable and assisted me through every step of the process. His expertise provided me with the peace of mind knowing that my claim was being handled to the best of its ability. I highly recommend their services to anyone looking for professional and thorough support.
    Joey Richardson
    Google review · July 2026
  • Andrew is very knowledgeable with over 10 years experience in the industry. He can help you get what you are owed for your losses. He does not make empty promises. He is honest and reliable. Highly recommended.
    Terry Wright
    Google review · January 2026
  • Cannot express how much I recommend Andrew and his team. I felt out of my depth talking about insurance, expecting huge buzz words to just be thrown my way, but all of my issues were explained, and taken care of in a way that was easy to understand, and made me feel like a priority.
    Tre Penna
    Google review · February 2026
  • We have worked with Vanguard Claims. They work hard to help their clients get what they deserve to repair their homes.
    Vaughan Yost
    Google review · February 2026
  • I highly recommend Andrew and Vanguard Claims Solutions! He is extremely knowledgeable and will fight for his clients!
    Mark Steinbrueck
    Google review · February 2026

4.6 ★ average from 9 verified reviews · Read them on Google

Get started today

Have a commercial claim?

A licensed public adjuster will review your loss and policy for free.

Call (305) 336-3302 Start a free review
No upfront fees · free inspection · office@vanguard-claims.net