Understanding the Commercial Insurance Claims Process


Commercial claims can be a complicated business, with Insurance companies having a vested interest in paying out as little as possible. When you file a claim, the insurance company’s first reaction will be to send their adjuster to evaluate the damage. Unlike an independent adjuster, their adjuster won’t have your best interests in mind.

Generally speaking, the insurance company will follow these steps:

  • Adjudication: First, proof of loss documentation must be submitted to your insurance company. Your insurance will use company adjusters to assess your property and gather evidence. During this phase, it’s crucial that you have an independent adjuster to defend your interests.
  • Submission: After evidence has been gathered, the next step is to file insurance claims. The submission process can take some time, and you will see better results if you hire a public adjuster to help. If you haven’t heard back within 30 days, then you will likely need to send further proof-of-loss documentation to your insurance company.
  • Payment: If your claim successfully results in a settlement, you’ll can expect to see your payment within a few days to a few weeks. Insurance claims on the lower end will take less time to process, while claims that have been altered during the process can take up to 6 weeks.

To make the most of this process, you should consider hiring a public adjuster. That’s where Excel Adjusters comes in. We offer:

The Insurance Adjuster
  • Advocacy Against The Insurance Adjuster
  • To prevent your insurance company from skewing the claims process, we provide public insurance adjusters and expert guidance. Compared to the insurance company’s adjuster, a public adjuster will level the playing field. While your property is being evaluated, you’ll have a knowledgeable advocate who works exclusively on your behalf.

  • Insurance Industry Expertise
  • Our licensed insurance professionals have extensive knowledge of the insurance industry, with the skills to interpret insurance policies, assess damages accurately, and strategically negotiate with insurance carriers.

  • Expert Guidance Through the Claims Process
  • Navigating the claims process can be overwhelming, especially when you’re trying to gather evidence to prove them and communicate that proof to the insurance company. Our experienced public adjusters provide expert guidance, ensuring that you’re confident from the moment you file the claim to the final settlement.

  • Efficient Communication with Insurance Companies
  • Our unmatched knowledge of your commercial insurance policy allows us to communicate efficiently and effectively with your insurance company. We correspond with them and their claims adjuster in a language they understand, guaranteeing effective representation of your interests every step of the way. The result is a fair and just settlement that provides you with everything you need to repair your property.

Efficient Communication
Advocacy Against The Insurance Adjuster

Why Us - Our Services


Providing Loss Assessments Experts as Needed

We’re well-connected with public adjusters and other experts you’ll need to bolster your insurance claim. Bringing in independent experts is crucial, as the evidence they gather and the analysis they make will represent your interests, rather than in favor of the insurance company.

Documenting Property Damage

After assessing damages, we thoroughly document any and all evidence to support your insurance claim. This includes unseen damage, as we’ll utilize the right exerts to identify the problems you or your insurance company might miss.

Claims Strategy Development

When you hire a public adjuster, we take the time to study your personal insurance policies. The goal is to develop the best possible claims strategy to maximize insurance claims based on policy and property specifics.

Why Us - Our Services
Providing Full Proof of Loss

Providing Full Proof of Loss

All of our extensive documentation of the evidence and policy knowledge will allow us to provide full proof of loss to your insurance company.

Managing Complex Communications

We take over all communications between the policyholder and the insurance company until the case is settled, helping to make your experience as stress-free as possible. We’ll also guide you through the entire fire insurance claim process, keeping you up to speed on our progress.

Negotiation for The Maximum Settlement

We provide unparalleled negotiation with insurance companies to secure fair and just settlements. When you file insurance claims, we use our skills to achieve the best possible payouts.

What Our Commercial Claims Services Cover


Commercial Claims Services Cover
  • Wind & Hail Damage Claims:
  • Often associated with thunderstorms and other severe weather, wind and hail damage is a common issue for commercial properties. We’ll send a public insurance adjuster to assess the damage to your roof and other portions of your property.

  • Fire Damage Claims:
  • With the possibility of unseen issues caused by smoke, damaged pipes, and more, fire damage can be tricky to claim. Luckily, we’ll ensure a professional hygienist evaluates your property thoroughly before the claim process begins.

  • Water Damage Claims:
  • Water damage can be devastating and expensive, but we work to identify the source of the problem and gather all the evidence you need to present your insurance claim.

  • Vandalism Claims:
  • Vandalism can be a major headache for businesses, especially in restrooms and on the exterior of your building. Trust us to develop a property insurance claim that provides you with what you need to clean and replace vandalized property.

  • Theft & Burglary Claims:
  • Even when measures are taken to protect your business, theft and burglary can still occur. In these instances, we’ll document everything that was stolen thoroughly to ensure you get the payout needed to replace stolen goods and property.

  • Personalized Claims:
  • We understand that every claim is unique. Our public adjusters provide personalized attention, tailoring their approach to the specific type of property damage you’ve experienced.

Providing Full Proof of Loss

Commercial Insurance Claims FAQ

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What is a commercial insurance claim?

Commercial insurance claims are requests made by businesses and companies to their insurance for financial compensation. The compensation covers losses or damages to their property, assets, or operations (anything from storm damage to vandalism) as specified in their commercial insurance policy.

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What types of damages are typically covered by commercial insurance?

Commercial insurance typically covers damages caused by storms, natural disasters, business interruption, theft, liability, and worker injury. However, coverage can vary based on your region and policy type, so be sure to review your policy for specifics before you start the claims process.

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What is the difference between a public insurance adjuster and an insurance company adjuster?

The main difference between a fire claims public adjuster and an insurance adjuster is whether or not they’re working with your best interests in mind. Insurance companies will appoint an independent adjuster to handle your claim, likely skewing the results in their favor. On the other hand, a public adjuster is someone you hire to work on your behalf.

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How can I prevent disputes with my insurance company?

The best way to prevent disputes is to hire a public insurance adjuster. The evidence gathered and documented, combined with an understanding of your policy and open communication will help prevent disputes.

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How much does hiring a public adjuster cost?

Public adjusters typically charge a certain percentage of the settlement, encouraging them to earn you the best possible results.

Call:(213) 800-3333
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