Written by Andy Gurczak

April 7, 2022

Handling a Commercial Fire Damage Insurance Claim

Unfortunately, one in four building fires occurs in commercial, institutional or public buildings. Handling a commercial fire damage insurance claim is complicated and time-consuming. For instance, you may have experienced a fire that only damaged a section of your building.

Conversely, you may have had a fire that caused a total loss. 

In either case, you may need the help of an experienced public adjuster to file your claim. In addition, the public adjuster can gather evidence of your company’s losses. An adjuster can also negotiate a fair settlement with your insurance company. 

What are the Fire Losses in a Commercial Fire Damage Insurance Claim?

There are many damages that a fire can cause to a business.

Soot and Smoke

Smoke, soot and ash can spread throughout a building. Indeed, smoke and soot will reach parts of the building that were never touched by flames. 

Of course, the existence of smoke, ash and soot is a health hazard. Therefore, the business owners may have to hire a company to completely clean the building. In addition, the company will remove soot and any other hazardous materials caused by the fire. Certainly, this will have to be done before the business can be fully operational. 

Structural Damage

The flames and heat generated by the fire can damage walls, ceilings and flooring. Likewise, intense heat can warp, melt or otherwise damage the internal structure of the building. For example, support beams, floor joists, or load-bearing walls can be severely damaged. 

Building Equipment, Furniture, Inventory and Machinery

Whatever the business, the interior of the building and its contents can be damaged significantly. Flames, heat, smoke and soot can combine to destroy machinery in a factory.

Likewise, a fire can damage the inventory in a warehouse.

Similarly, a fire can destroy or make inoperable computers and other electronics in an office building. The fire can also destroy furniture, office supplies and copy machines throughout the building. 

Fire Suppression Efforts 

Certainly, all communities praise their fire departments who routinely respond to a house fire or a business fire. Of course, we all recognize they save property and possibly lives. 

However, fire suppression efforts also cause damage to properties. For instance, there is usually a great deal of water damage to the building. Similarly, doors and windows may be broken.

Likewise, holes might be punched out in walls and ceilings to allow ventilation. 

Lastly, firefighters often use foam or powder to put out the fire. These substances can cause damage to furniture, electronics, etc.  


Your building may have to undergo substantial repairs. However, if it is an old building, you may face additional costs regarding the current building codes in your area. Indeed, unless you have building code insurance coverage, your standard policy may not cover the costs of the upgrades your contractors will need to make. These upgrades may be necessary so that your building complies with the current code and/or “Green” building requirements.

Business Interruption Insurance Coverage

Business interruption coverage is available to companies. It can be purchased as an endorsement to their standard business insurance policy.

In fact, it is a good idea for companies to purchase that coverage.

For instance, a covered event triggers business interruption insurance, like a fire. Therefore, a business may have to shut down because of a fire. In that case, business interruption insurance replaces business income lost because of the fire. 

For example, business interruption insurance covers:

  • Lost profits;
  • Fixed expenses;
  • Employee salaries;
  • Costs related to moving to a temporary location; and
  • Any extra expense the company incurs because of the fire.

If You Need a Public Adjuster for Commercial Fire Insurance Claims, Call AllCity Adjusting

We are a family-owned claims company with five decades of combined adjusting experience. As a result, if there’s one thing we understand, it’s that you need 100% of your claim value.

As a business owner, you have already gone through a tumultuous event. For this reason, get an agency that gets you more.

At AllCity Adjusting we work to ensure you get 100% of your commercial fire damage insurance claim value. Equally important, with over 50 years of combined experience as insurance adjusters, we know insurance companies and understand where they cut corners. 

As a matter of fact, the commercial fire claim process can be complicated and messy. However, we can help organize your records and your proof of damage. In addition, we can help you get the evidence to support your business interruption claim. 

In short, we help you build a larger business insurance claim and maximize your claim value. Indeed, we get you back to normal fast. 

To sum up, don’t get fooled. Get the company that gets you more.

Therefore, if you have filed a claim but only received a low-ball offer from the insurance company, or they are taking too long to process your claim, call us at 844.692.3587. Or you can email us at info@allcityadhjusting.com.

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Best way to beat the insurance company is to hire AllCity Adjusting

At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.
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Salvageable v. Non-Salvageable Property After a Fire

Salvageable v. Non-Salvageable Property After a Fire

If a fire has occurred at your home, your first concern, of course, is the safety of yourself and your family. However, depending on the extent of the fire damage, you will have to resolve the issue of salvageable v. non-salvageable property after a fire. Homeowners’ insurance protects your home itself (Dwelling Coverage) and its contents (Personal Property Coverage). High heat, smoke, and soot can cause extensive damage to your personal property, such as clothes, furniture, hardwood floors, and appliances. For instance, smoke damage causes fabrics, clothes, and soft goods to reek of the smell of smoke. Additionally, smoke and soot can discolor objects and reduce the life span of electronics and machinery. Consequently, you and your insurance company will have to determine which personal property is salvageable v. non-salvageable property after a fire.

Actual Cash Value v. Replacement Cost Value

Actual Cash Value v. Replacement Cost Value

Many homeowners never read their homeowners’ insurance policy. Then a covered loss, like a fire or hurricane, causes extensive damage to the home and contents. Of course, the homeowner files a claim with her insurance company. Eventually, the homeowner gets a claim settlement offer from the home insurance company. However, only then does the homeowner learn the difference between actual cash value v. replacement cost value coverage.

What is an Appraisal Clause in an Insurance Policy?

What is an Appraisal Clause in an Insurance Policy?

Water damage insurance claims are some of the most frequent home insurance claims that homeowners file. However, homeowner insurance does not cover all types of damages caused by water. Therefore, handling water damage insurance claims requires the homeowner to be careful and diligent before and during the claims process.

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Homeowners’ Property Damage Claim-Do You Need an Attorney?

Unfortunately, a terrible storm moved through your area. It left fallen trees and damaged homes in its wake. Your house was one of them. You have never filed a claim with your homeowners’ insurance company. But you now have a homeowners’ property damage claim-do you need an attorney?

How to Negotiate a Fire Damage Insurance Claim

How to Negotiate a Fire Damage Insurance Claim

One of the most traumatic events experienced by homeowners is a fire in their homes. Certainly, the potential for serious injury can be significant. However, the relief that no one was harmed soon fades away as the reality of the property damage sinks in. Now, one key question for the homeowner will be how to negotiate a fire damage insurance claim settlement.

Insurance Claims for Poorly Installed Stucco

Insurance Claims for Poorly Installed Stucco

Stucco is a popular siding used on new developments, homes, and businesses since the early 1900s. Manufacturers make it of cement, limestone, and silica. In fact, it has become very popular in the last 20 years. However, when not installed properly, it can lead to several problems. Therefore, some homeowners will have to file insurance claims for poorly installed stucco.

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