8 Types of Commercial Property Damage Claims

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It is not uncommon for commercial property damage to occur, but what happens when such damage occurs?

As a business owner, you must understand that handling any commercial property damage claims can be costly, so you have to know your rights and the different types of claims that can be made.

Whether minor or significant damage, knowing the types of damage claims and the compensation you can receive is essential.

Today, we will discuss the types of commercial property damage claims that a commercial property damage attorney can help you file.

  1. Water Damage Claims

This is one of the most common types of property damage claims that business owners make. It is usually caused by flooding, leaks, or burst pipes and can cause significant property damage.

When making water damage claims, provide evidence of the damaged property and any other relevant documentation, including repair costs and inventory receipts.

  1. Fire Damage Claims

Another type of commercial property damage claim is a fire damage claim. Fires can occur due to electrical faults, explosions, or arson.

It is vital to have a fire insurance policy to cover losses when such incidents occur. Ensure you document all losses and damages and keep receipts of repair costs.

  1. Theft Claims

Theft is a common commercial property damage, usually resulting in significant losses. If thieves break into your business and steal items, it can hurt your business’s income.

When making theft claims, ensure the evidence is well documented, and the police report should be included.

  1. Vandalism Claims

Vandalism is another form of commercial property damage. It can be as minor as breaking windows or tagging walls but can lead to significant losses.

When making vandalism claims, ensure that evidence is provided quickly and repair costs are recorded.

  1. Wind Damage Claims

Wind damage claims usually occur during a storm or extreme weather conditions, and it can lead to significant property damage.

When making wind damage claims, document every damage and keep receipts of the repair costs.

  1. Mould Claims

Mould growth is a common issue in commercial buildings and can be hazardous to workers’ health.

When making mould claims, insurance companies usually require proof of mould growth, the extent of damage, and the repair costs.

  1. Equipment Breakdown Claims

Equipment breakdown claims usually occur when essential equipment used in a business breaks down. It can cause significant loss and downtime in the company.

When making equipment breakdown claims, ensure that receipts of repair costs or software replacement costs are documented.

  1. Sewer Backup Claims

Sewage backups in commercial buildings can create health hazards and lead to significant damage. When making sewer backup claims, ensure that evidence of damage is provided and repair costs are documented.

What Are Commercial Property Damage Claims?

Commercial property damage claims are when businesses file a claim with their insurance company for any damage or loss to their property.

This can include damage to the building and its contents caused by natural disasters like hurricanes, storms, wildfires, and other unforeseeable events like theft, fire, or water damage.

How to File a Commercial Property Damage Claim

If your business suffers damage to its property, the first step is to file a claim with your insurance provider.

The claims process is typically straightforward, and it usually involves an evaluation of the damage caused, a cost estimate to repair or replace the damaged items, and an assessment of the incident that caused the damage.

To file a claim, you must provide your policy number, a description of the damage, and any relevant documentation like photographs or receipts. The insurance provider will then send an adjuster to evaluate the damage and determine the appropriate compensation.

Valuable Tips for Navigating the Process

Filing a commercial property damage claim can be a stressful and confusing process. However, you can follow some valuable tips to make the process easier. First, take photographs of the damage and make a list of the damaged items.

This will help you to provide accurate information to your insurance provider. Second, hire a reputable contractor or restoration specialist to help with repairs and estimates. This can help prevent additional damage or issues down the line.

Finally, be patient and persistent in following up with the insurance provider and adjuster until the claim is resolved.


As a business owner, it is essential to understand the different types of commercial property damage claims and the compensation you can receive when you hire a commercial property damage attorney like people at theprowlawgroup.com.

When making claims, ensure that you have the necessary documentation, including evidence of damage and repair costs. You must also know your insurance policy’s limits and coverage to make informed decisions when making claims.

You can make successful property damage claims with the correct information and documentation.

Ref: 3355.29175

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