The building is only part of the loss.
Every closed day is the rest.
When your business is damaged, you're not just claiming property. You're claiming equipment, inventory, lost income, and the cost of every day you can't operate. Commercial claims are among the most heavily scrutinized an insurer handles. We manage the full claim so you can focus on getting back to work.
A commercial loss is really two claims: the property, and the business. Insurers tend to fight hardest on the second one.
Business interruption coverage is where commercial claims are won and lost. Proving lost income takes financial documentation, a credible methodology, and someone willing to push back when their accountants discount your numbers. Most business owners are busy keeping the business alive, which is exactly why the interruption claim gets shortchanged.
We document what your insurance company misses.
After a fire or a major water loss, you don't need a call center. You need someone who picks up the phone, comes to your property, and knows exactly what your claim is worth.
That's what AdjustFair is. We take on serious residential and commercial losses, the complex claims where the difference between handling it yourself and having someone document it properly can be tens or even hundreds of thousands of dollars.
We scan the property in 3D, build the estimate in Xactimate, and read your policy line by line for coverage you may never have been told about. Then we deal with the insurer so you don't have to.
A public adjuster does exactly what the insurance company's adjuster does. Same training, same tools, same software. Pointed in one direction: yours.
What a complete commercial claim actually includes
Ongoing operations
A claim strategy that works around your business, not over it, coordinated with your timeline to reopen.
Tenant & landlord losses
Lease obligations, improvements and betterments, lost rents: the layered interests commercial properties involve.
Extra expense
The cost of temporary locations, rented equipment, and everything you spend to keep operating, often covered, often unclaimed.
Business interruption
Lost income during the period of restoration, built from your real financials and defended against the insurer's discounting.
Equipment & inventory
Machinery, fixtures, stock, and supplies: inventoried, valued, and claimed at what replacement actually costs.
Building & structure
Full repair or rebuild scope, including code-required upgrades that older commercial buildings frequently trigger.
How we work a commercial loss
We document the physical loss the same way we document every loss, with 3D scans, photographs, and Xactimate estimates, and we build the interruption claim from your books: revenue history, margins, payroll, and the real period of restoration.
Your claim arrives complete, professional, and defensible. Then we negotiate it while you run your business.
Time matters more in commercial claims. Every week of delay is revenue you don't get back. Getting the claim documented properly at the start is the single biggest factor in how fast, and how fully, it resolves.
Business loss? Let's get you back to operating.
Tell us what happened. We’ll review the property and business loss and tell you honestly what your claim may be worth. Free, no obligation.
