Commercial Insurance Claims Help Nationwide
When a truck ran into our home causing extensive damage, we turned to Panther Public for assistance. Aline, our representative, was a tremendous asset. She kept us fully informed at every stage and offered crucial support that made a difficult and stressful situation much more manageable. Our sincere thanks to Aline and Panther Public for their outstanding professionalism.
Understanding Commercial Insurance Claims
Commercial insurance claims protect your business property and assets after unexpected damage or loss. Whether you’re dealing with storm destruction in Florida, fire damage in New York, or water damage in Texas, the process is never easy.
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Commercial claims involve large amounts, complex policies, and often multiple parties. Delays, denials, or underpayments are common—especially when the insurer controls the inspection and reporting process.
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That’s where Panther Public Adjusting steps in.
What Can Be Covered in a Commercial Claim?
Depending on your policy, you may be entitled to compensation for:
Building and structural damage
Roof, plumbing, and HVAC issues
Lost inventory or equipment
Tenant improvements
Business interruption and lost income
Temporary relocation expenses
We help business owners understand what is and isn’t covered in their policies. If you’re unsure, check out this expert advice on managing complex commercial claims.
Types of Commercial Properties We Help With
Office buildings
Retail stores
Restaurants
Industrial warehouses
Multi-unit housing complexes
Churches, Synagouges and Temples
Whether you own or lease the property, we tailor our process to protect your business.
Common Causes of Commercial Insurance Claims
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Common Causes of Commercial Insurance Claims
- Wind, hail, and hurricanes
- Water leaks and burst pipes
- Fire and smoke damage
- Vandalism or theft
- Roof collapses
- Flooding
Preparing before a disaster can save your business. Read more on how to prep for major storm losses.
The Commercial Claims Process: What We Do
The Commercial Claims Process: What We Do
Policy Review: Understand coverage, exclusions, and limits.
Damage Assessment: We document structural and content loss.
Loss Calculation: Business interruption and contents included.
Claim Filing: Handle communication and paperwork with your carrier.
Settlement Negotiation: Push for every dollar you’re owed.
If your roof was damaged, don’t rely solely on your contractor. Learn why your roofer can’t handle your claim.
Business Interruption Claims
Many policies cover income lost due to forced closure or limited operations. Calculating this requires detailed financial records, timelines, and expert documentation.
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We help businesses justify every dollar of lost income with accurate forecasts and third-party validations.
What If Your Claim Involves Flooding?
Commercial flood claims are especially tricky. Coverage often comes through a separate NFIP policy or a specialized endorsement.
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Don’t let missing paperwork delay your recovery. Check out how to maximize your flood claim if flooding hit your commercial property.
Why Work With Panther Public Adjusting?
We’ve recovered millions for business owners nationwide. With deep experience in policy review, inspections, and commercial estimating software, we go beyond what insurance company adjusters do.
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Our team handles every step of the process—from inspection to negotiation—so you can focus on your business.
Reopening a Commercial Insurance Claim
Many people don’t know you can reopen a claim if it was underpaid. This often happens when:
You discover more damage later.
The insurer’s estimate was too low.
They denied part of the claim due to unclear wording.
In these cases, you may have up to a year (or more depending on state law) to pursue a supplemental or reopened claim. Panther can review your file and determine your options.
Contact Us for Commercial Claim Help
Need help with a commercial insurance claim? Contact Panther today for a free consultation.
- Call: 833-726-8437
- Email: Claims@PantherPA.com
- Online Form: https://pantherpa.com/contact/
Let us protect your business the way you protect your customers.
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Note: Coverage varies by policy and state. Always consult a licensed professional for claim advice specific to your case.
Additional Commercial Claims Resources
FAQ: Commercial Insurance Claims
What is a commercial insurance claim?
A commercial insurance claim is a request for reimbursement after your business property or operations suffer damage or loss. This can include structural damage, inventory loss, or business interruption.
What types of damage are usually covered under commercial insurance?
Policies often cover fire, water damage, storms, vandalism, theft, and sometimes flood (if you have the right endorsement or NFIP coverage). Always check your specific policy details.
How long do I have to file a commercial insurance claim?
It varies by state and policy, but it’s best to file immediately. Some states allow up to a year, but waiting too long could hurt your claim.
Will my commercial insurance cover lost business income?
Yes—if your policy includes business interruption coverage. This can pay for lost income, operating expenses, and temporary relocation during repairs.
What if my claim gets denied?
You can appeal or reopen it. Panther Public Adjusting reviews denied claims and gathers new evidence to challenge the insurer’s decision.
Can a roofer or contractor handle my insurance claim?
No. Only licensed public adjusters or attorneys can legally manage and negotiate insurance claims. Contractors can repair damage but aren’t allowed to advocate on your behalf.
Do I need a public adjuster for my commercial claim?
Not legally—but it helps. A public adjuster works for you, not the insurer, ensuring you get the maximum payout and your rights are protected throughout the process.
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How does Panther Public Adjusting get paid?
We work on contingency, which means we don’t get paid unless you do. There are no upfront costs to you.