Average Repairs
Chart reflecting the average repair costs for various catastrophic damages.
Roof Repair
$400-$2,000
Roof Replacement
$5,900 – $13,500
Water Damage
$450 – $16,000
Fire Damage
$3,200 – $52,000
Why Work With a Public Adjuster for Insurance Claims?
Negotiate a Higher Payout
We can push back against an insurer’s low offer with a detailed, accurate damage assessment—often securing a much larger settlement in your favor.
Resolve Disputes
We have the expertise to resolve disputes with insurance companies regarding both the cause of the damage and the scope of repairs required.
Maximize the Claim
We make sure every detail of your claim is accounted for, helping you secure a payout that truly covers the full cost of your repairs.
Commercial Insurance Claims
Protecting Your Business with Expert Commercial Insurance Claim Assistance
When disaster strikes your business or commercial property, the impact can be overwhelming. Damage to buildings, equipment, inventory, or even a temporary halt in operations can place significant financial and operational strain on your company. In these moments, it’s critical to ensure that your insurance claim is managed with precision and professionalism. That’s where TL Public Adjusting steps in—serving as your trusted advocate through every step of the commercial insurance claim process.
Unlike the insurance company’s adjuster, who works to protect the insurer’s bottom line, TL Public Adjusting works exclusively for you, the policyholder. Our mission is to make sure your business recovers the full and fair settlement you’re entitled to, so you can get back to running your operations with confidence.
Why Professional Claim Assistance Matters for Businesses
Insurance policies covering commercial properties are often complex, filled with technical language and stipulations that can be confusing. When you try to navigate the process alone, it’s easy to miss important details or accept less compensation than you’re entitled to. For business owners, this can mean significant financial losses and a longer recovery period.
With TL Public Adjusting, you gain access to licensed professionals who understand policy language inside and out. We analyze your coverage, interpret the fine print, and identify all avenues for recovery. Whether the loss involves fire, storm damage, flooding, vandalism, or another catastrophic event, our team ensures no aspect of your claim is overlooked.
How do claims adjusters determine the value of business damage?
Adjusters or appraisers collect evidence through photos and videos, which provide a clear before-and-after comparison to assess the extent of damage. This might also include gathering witness statements and expert opinions from contractors or engineers to support the claim.
Comprehensive Damage Assessment
One of the biggest challenges businesses face after property damage is accurately assessing losses. Insurance companies may minimize the scope of the damage or undervalue its impact, leaving you with inadequate funds to restore your property and operations.
TL Public Adjusting provides a meticulous, unbiased damage assessment. We carefully document every detail, including:
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Structural Damage: From roofing and walls to foundations and major systems like HVAC, plumbing, and electrical.
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Contents: Office furniture, equipment, machinery, technology, and inventory.
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Business Interruption: Lost revenue from downtime, extra expenses required to keep operations running, and potential long-term impact.
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Hidden or Secondary Losses: Issues like water damage behind walls or smoke damage affecting equipment that might otherwise be missed.
Our detailed documentation provides strong evidence to support your claim, ensuring that all losses are accounted for.
Taking on the Insurance Company for You
Negotiating with an insurance company can be stressful and time-consuming. Their adjusters and representatives are skilled at protecting their company’s interests, often presenting initial offers that don’t reflect the true extent of your losses.
At TL Public Adjusting, we level the playing field. We prepare your claim thoroughly and handle all communication and negotiation directly with the insurer. By presenting a strong, evidence-based case, we push back against lowball offers and fight for the comprehensive settlement your business deserves.
This advocacy is especially important when business interruption coverage is involved. Lost income during downtime can devastate a company, and insurers often try to minimize these claims. Our team ensures your lost revenue and extra expenses are fully documented and properly pursued.
Giving You Peace of Mind During Recovery
When your property suffers damage, your priority is to keep your business running and support your employees and customers. The last thing you should have to worry about is battling with your insurance company.
By partnering with TL Public Adjusting, you can focus on restoring operations while we manage the entire claims process. From interpreting policy language and compiling documentation to negotiating for maximum recovery, we handle it all on your behalf. The result is less stress, faster resolution, and a greater chance of securing the settlement you need to move forward.
Real Benefits of Choosing TL Public Adjusting
Businesses that work with us experience clear advantages, including:
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Accurate Claim Preparation: Every detail of your loss is documented and presented in a way the insurer cannot ignore.
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Maximized Settlements: Our expertise ensures that you don’t leave money on the table.
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Time Savings: We handle the paperwork, communication, and follow-ups so you can stay focused on running your business.
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Dedicated Advocacy: We work for you—not the insurance company—making your best interests our sole priority.
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Confidence in Recovery: With a professional advocate by your side, you’ll know your claim is positioned for success.
Take Control of Your Commercial Claim
Your business is more than just a building—it’s your livelihood, your employees’ stability, and your customers’ trust. When property damage threatens it, you deserve the full protection of your insurance policy. Don’t let confusing policy language, incomplete assessments, or insurer negotiations leave you shortchanged.
With TL Public Adjusting in your corner, you gain a trusted partner committed to securing a fair and comprehensive settlement. Our licensed adjusters have the experience, knowledge, and dedication needed to guide you through the process and fight for every dollar you’re owed.
Request a Quote Today
Don’t wait until it’s too late to get the support your business needs. If your commercial property has sustained damage—or if you want to be prepared for when the unexpected happens—reach out to TL Public Adjusting today. Request a consultation and let us show you how we can protect your interests, ease your stress, and help your business recover with confidence.
Services
Appraisals
When negotiations stall or you and your insurer can’t agree on the value of your loss, TL Public Adjusting can invoke the appraisal clause in your policy to settle the dispute. In this process, both you and the insurance company select independent appraisers to assess the damage. If those appraisers can’t reach an agreement, they choose an impartial umpire. The appraisal panel’s decision—based on agreement between any two members—is binding, offering a neutral and fair resolution. TL Public Adjusting handles the entire process on your behalf, ensuring your claim receives an accurate, professional evaluation.
Appraisals Free ConsultationReviews
What others say
We work hard to help our clients during some of the most difficult times in their lives. Our clients are important to us, and so is what they have to say.
My family and I couldn’t have asked for a more dedicated individual then Tom to handle out house fire. It was a long process but he was always encouraging and walked with us (figuratively) to the next step of the process.
– S. Martinez
I really enjoyed this conference and I’ve learned a lot because they cover so many aspects of the business, simply amazing!If your insurance company shorted you money on your claim? Then, TL public adjusting is who you should use. They got your back.
– James O.
– ROBIN GREEN
TL got us more on our claim then we thought we could get.
– Nathalie Brooks
Frequently Asked Questions
What is a Public Insurance Adjuster
A Public Adjuster is a State licensed professional who works on behalf of policyholders (individuals or businesses) to help them navigate the process of filing and negotiating insurance claims. Unlike insurance company adjusters, who work for the insurance company, Public Adjusters work exclusively for the policyholder, as an advocate for the insured during the entire claim process.
What does a Public Adjuster do to advocate for the Policyholder?
Policy Interpretation
Insurance policies can be complex, with various terms, conditions, and exclusions. Public adjusters have expertise in interpreting insurance policies and understanding the coverage available to the policyholder.
Damage Assessment
Public adjusters evaluate and assess the extent of damages and losses resulting from an insured event, such as fire, flood, storm damage, or theft. They document these damages thoroughly to support the claim.
Major misconceptions of policyholders?
Under most commercial and residential policies, the burden of proof, is on the policy holder, not the insurance company.
Negotiation
One of the primary roles of a public adjuster is to negotiate with the insurance company on behalf of the policyholder. They use their knowledge of insurance policies, claims processes, and valuation methods to advocate for a fair and equitable settlement.
What does a public adjuster charge?
The Public Adjuster charges a fee for their services, often a percentage of the final settlement amount.