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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Should You Make Your Own Insurance Claim Repairs?

Let’s say you had a small fire in your home. Faulty electrical wiring caused the fire. Of course, someone will have to tear down parts of the wall where the fire started. Then someone will have to hang new sheetrock and paint it. You’re pretty handy around the house. You’re thinking, should you make your own insurance claim repairs? Is there any way to get your insurance claim check faster?

What Are Some Common Business Insurance Claims?

Certainly, almost all businesses, from large corporations to mom-and-pop stores, will probably face some type of accident or incident that will become an insurance claim. Below we will discuss some common business insurance claims that businesses across the country must confront.Is there any way to get your insurance claim check faster?

How Does Home Repair Insurance Work?

How Does Home Repair Insurance Work?

Homeowners’ insurance will cover damage from unexpected and sudden perils, like hurricanes, fires, and hail. However, it excludes insurance coverages if the damage stems from everyday use and wear and tear to appliances, HVAC systems, etc. Therefore, if you feel you need insurance coverage for those items, you need to know the answer to the question: how does home repair insurance work?

How to File a Roofing Insurance Claim

How to File a Roofing Insurance Claim

Your roof is the primary protection for your home from the elements. Of course, the wind is probably the most dangerous element to your roof. However, roofs also get damaged by falling trees, electrical poles and wires, hail, and heavy snow. If a storm or some other unexpected event damages your roof, you will have to know how to file a roofing insurance claim.

How to Get Flood Insurance

How to Get Flood Insurance

Homeowners’ insurance protects homes from damages caused by fire, hurricanes, windstorms, and other natural disasters. However, standard homeowners’ insurance does not cover damages caused by floods. Consequently, homeowners and renters who live in a high-risk zone for flooding need to know how to get flood insurance.

commercial mold cleanup and restoration

commercial mold cleanup and restoration

If you have found mold in your business, you should be concerned. For instance, properly removing mold can be expensive and difficult to do correctly. Mold in your business can be dangerous for your health, and that of your employees, customers and visitors. However, commercial mold cleanup and restoration is necessary if you want to keep operating your business.

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