The Storm Is Over, but the Real Work Begins
When a winter storm damages your commercial property, the recovery process involves multiple parties—contractors, roofers, adjusters, and restoration specialists—all working within tight timelines and stressful conditions. Unfortunately, miscommunication or bad decisions during this stage can jeopardize your insurance recovery or expose you to fraud. Knowing how to manage these relationships strategically is essential for both restoring your property and protecting your legal rights.
1. Prioritize Safety and Secure the Property
Before engaging contractors or adjusters, ensure the property is safe to enter. Identify hazards such as downed electrical lines, ice buildup, or compromised structures. Once cleared, secure the premises with temporary repairs like boarding broken windows or tarping roof openings. Document every action taken, as insurers often request proof of mitigation to validate claims.
2. Contact Your Insurance Provider Promptly
Notify your insurer immediately after the loss. Provide the date, location, and brief description of the damage. Avoid making speculative statements about cause or cost. The insurer will assign an adjuster to assess the loss, but remember—the adjuster represents the insurance company, not you. Their goal is to limit payouts, so proceed carefully with all communication.
3. Vet Contractors Before You Hire
Storms often attract opportunistic contractors or “storm chasers” who promise quick repairs but deliver substandard work. Always verify licensing, insurance, and references before signing any agreement. Avoid contractors who demand full payment upfront or pressure you to sign an “assignment of benefits,” which can transfer your insurance rights to them. Choose reputable, local firms familiar with commercial building codes and insurance documentation requirements.
4. Understand the Role of Public Adjusters
Unlike insurance company adjusters, public adjusters work on behalf of the policyholder. They can help document damage, prepare detailed estimates, and negotiate with your insurer for a fair settlement. However, they typically charge a percentage of the recovery, so review any contract carefully. For large or complex commercial claims, engaging both a public adjuster and legal counsel ensures a balanced, well-documented approach.
5. Document Every Interaction
Keep a detailed record of all communications, including names, dates, phone calls, and emails. Take photos of all damage and ongoing repairs. If disputes arise later, a clear paper trail can prove invaluable. Request written estimates and repair scopes from contractors and keep copies of every invoice and material receipt. Organized documentation not only supports your claim but protects against accusations of inflated costs or poor workmanship.
6. Don’t Let Insurers Rush the Process
After major storms, insurers often push quick settlements to close claims rapidly. While a fast payout might seem appealing, early offers rarely cover full restoration costs. Insist on complete damage assessments—including roofs, HVAC systems, interiors, and electrical components—before accepting any payment. Once you sign a release or cash a settlement check, you may forfeit the right to additional compensation.
7. Oversee Repairs and Inspections Personally
If possible, be present during inspections by adjusters, contractors, or engineers. Ask questions and take notes about findings. Compare the insurer’s damage assessment to independent contractor reports to identify discrepancies. Roof and structural issues, in particular, are often underreported in insurance estimates. If major differences arise, consult an attorney before proceeding.
8. Watch for Scope Creep or Unauthorized Work
Unscrupulous contractors may add unnecessary work or alter invoices after the fact. Require written change orders for any additional repairs, and review each line item before approving. If using multiple contractors, assign a project manager or trusted maintenance supervisor to coordinate schedules and ensure accountability.
9. When to Involve a Property Damage Attorney
If you encounter delays, denials, or lowball offers, it’s time to involve a property damage attorney. Legal representation ensures compliance with policy deadlines, supports expert evaluation of damages, and protects you from signing unfavorable agreements. The Voss Law Firm regularly works alongside adjusters and contractors to ensure claims are handled properly and clients receive full recovery under their policies.
10. Moving Forward with Confidence
A storm may damage your property, but poor coordination shouldn’t damage your claim. By choosing qualified professionals, maintaining thorough documentation, and knowing your rights, you can control the recovery process—not the insurer. If your commercial property has sustained storm damage or you’re facing claim complications, contact The Voss Law Firm for trusted legal guidance and strong advocacy.
