Claim Type — Commercial Property
Commercial Property Insurance Claims in Georgia
A commercial property claim is more complex than a residential loss. Physical damage is one piece. Business interruption, lost inventory, equipment, and temporary-operation costs may all be covered under commercial policies — but business owners typically underclaim these when handling the claim alone.
Why Commercial Claims Get Underpaid
Physical repairs are just the beginning of what your policy covers.
Business owners often focus on getting the building repaired and reopening as fast as possible. In the urgency of recovery, the documentation required to maximize a commercial claim gets skipped — financial records for business interruption, inventory manifests, equipment replacement schedules, and lease or relocation costs that the policy covers but that nobody submitted.
Business interruption coverage is particularly underutilized. Most commercial policies provide income replacement and continuing fixed expenses — rent, payroll, utilities — for the period of restoration after a covered loss. The period of restoration is defined by how long it should take to rebuild, not how long it actually takes. Proving lost revenue requires financial records and projections showing what the business would have earned — documentation most business owners don't know to prepare.
Equipment and inventory losses require replacement cost documentation that goes beyond what's sitting on the sales floor. Resurgens works with your financial records, supplier invoices, and equipment appraisers to build a complete claim that accounts for everything your policy covers — not just what's easiest for the insurer to verify.
Large-loss commercial claims also involve coordination between multiple coverage lines, subrogation rights, and insurer-side consultants whose job is to minimize the payout. Resurgens brings the same adversarial preparation to the commercial claim that a policyholder attorney would bring to litigation — before it reaches that point.
What Resurgens Documents in a Commercial Claim
- Building and structural repair costs
- Tenant improvements and leasehold interest
- Business interruption — lost income and fixed expenses
- Inventory loss at replacement cost
- Equipment, fixtures, and machinery damage
- Extra expense coverage — temporary location and operations
- Accounts receivable and valuable papers coverage
- Multi-location and large-loss coordination
No Recovery, No Fee
Resurgens charges a 15% contingency fee. If there is no recovery, there is no fee. The complete terms are provided in writing before any engagement begins.
Frequently Asked Questions
Commercial property claim questions
Business interruption (BI) coverage pays for lost net income and continuing fixed expenses — rent, payroll, loan payments, utilities — during the period of restoration after a covered property loss. Some policies also include extra expense coverage for costs incurred to maintain operations from a temporary location. BI is one of the most underutilized and improperly claimed coverages in commercial policies.
Service Areas
Serving metro Atlanta and all of Georgia
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