Commercial Property Insurance Claims
Commercial claims are bigger, more complex, and higher-stakes than residential — and the parts that matter most are the easiest to under-document. ALSP represents commercial policyholders across Arizona.
When a commercial property is damaged, far more is on the line than a repair bill. There's lost income while you're closed, rent you can't collect, the added cost of staying operational, and a building that may need to be brought up to current code. A commercial insurance claim has to account for all of it — and the insurance company's adjuster works for the insurer, not for you.
ALSP represents the commercial policyholder. We document the full scope of a commercial loss — structure, contents, and the business-side coverages that quick inspections miss — so your claim reflects what the damage actually costs your business.
Commercial properties we help with
Retail & shopping centers
Storefronts, strip malls, and shopping centers.
Office buildings
Single-tenant and multi-tenant office space.
Apartments & multifamily
Apartment complexes and multifamily housing.
HOA & condo associations
Common-area and association property claims.
Industrial & warehouse
Warehouses, manufacturing, and distribution.
Restaurants & hospitality
Restaurants, bars, hotels, and motels.
Don't see your property type? We handle most commercial losses — reach out.
What a commercial claim must account for
This is where commercial claims are won or lost. Beyond the physical damage, a complete commercial claim should document:
- Business interruption — lost income while your business can't operate
- Loss of rents — rental income lost while units are uninhabitable
- Extra expense — the added cost of staying open or relocating
- Code & ordinance upgrades — bringing the building to current code
- Large-loss documentation — the detailed scope a major claim demands
- Contents, inventory & equipment — everything inside the building
Business interruption and loss of rents are frequently under-documented — and they're often the largest part of a commercial loss. We make sure they're captured.
How we handle a commercial claim
Inspection
We visit your property and assess the damage in person — at no cost to you.
Documentation
We photograph, measure, and record the full scope of the loss with care.
Claim review
We read your policy closely so you know exactly what you're entitled to.
Negotiation
We present your documented claim and communicate with your insurer for you.
Resolution
We guide the claim to a fair, accurate outcome — and keep you informed throughout.
Commercial claim questions
Do you handle commercial property claims in Arizona?
Yes. We represent commercial policyholders — retail, office, multifamily, HOA, industrial, hospitality, and more — across Arizona. Commercial claims are larger and more complex than residential, and the documentation matters even more.
What is business interruption coverage?
Business interruption coverage replaces income your business loses while it can't operate because of covered property damage. It's one of the most valuable — and most under-documented — parts of a commercial claim, and we make sure it's accounted for.
Why use a public adjuster for a commercial claim?
Commercial claims involve large dollar amounts, complex policies, and parts of the loss (business interruption, loss of rents, code upgrades) that are easy to under-document. A public adjuster represents your interests and documents the full scope so the claim reflects the real loss.
Is the commercial consultation free?
Yes. We'll review your situation and the damage at no cost and with no obligation, and give you an honest assessment of your options.
Commercial property damage? Let's talk.
Get a free, no-obligation consultation on your commercial claim from an Arizona public adjuster who represents you — not the insurer.