Specialty & Commercial
Business interruption, HOA master policies, tenant improvements, sinkhole, and flood claims — niche coverage for complex properties.
Our Specialty & Commercial Services
16 specialized services tailored to your needs
Business Interruption / Loss of Income
Lost revenue during repairs, ongoing fixed expenses, and extra expenses to minimize downtime. We calculate the full financial impact.
Equipment Breakdown
HVAC, production equipment, servers, and specialized machinery damaged by covered events. We document and quantify every asset.
Inland Marine / Cargo
Transported goods, mobile equipment, and specialized cargo damaged in transit. We navigate the complex inland marine policy language.
Ordinance & Law Coverage
Rebuilding often requires updated fire, accessibility, and energy code compliance. We push carriers to cover the difference.
LEED / Green Building Claims
Sustainable and green buildings have specialized materials and methods. We document the full scope to ensure proper replacement.
Tenant Improvement Claims
Leasehold improvements, build-outs, and tenant-specific fixtures damaged by covered events. We protect your investment.
Leasehold Improvements
When your leased space gets damaged, carriers often undervalue your improvements. We document everything you installed.
Food Spoilage / Business Personal Property
Power outages destroy inventory, equipment, and perishables. We quantify the full business personal property loss.
Special Assessment Recovery
If the HOA levies a special assessment to cover deductible or master policy gaps, your HO-6 may cover it. We document this.
Common Area Damage
Lobbies, pools, clubhouses, and shared roofs damaged by storms or disasters. We coordinate with the HOA and their adjuster.
Hurricane/Hail Condo Damage
Condos face unique wind and hail exposure. We document exterior and interior damage, plus any HOA master policy interactions.
Board Liability Guidance
HOA boards face fiduciary duties during claims. We guide them on coverage, vendor selection, and homeowner communication.
Unit Upgrade Documentation
HOA master policies often only cover basic/original fixtures. We document your unit's upgraded features so you're not stuck with HOA-minimum rebuild standards.
NFIP Claims Advocacy
National Flood Insurance Program claims have unique rules, limits, and documentation requirements. We navigate them for you.
FEMA Claims Advocacy
Disaster declarations bring FEMA assistance. We help you qualify, document damage, and appeal denied FEMA claims.
Flood Damage Claims
Flood waters cause catastrophic damage to structures and contents. We navigate NFIP and private flood policies to maximize your recovery.
Need Help with a Specialty & Commercial Claim?
Drew the Adjuster provides expert advocacy in specialty & commercial. Get a free consultation and let's discuss how we can help you get the full coverage you deserve.
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