Filing Commercial Insurance Claims for Duplexes

Before you touch anything, take photos and videos of every damaged area. Capture the source of the water, the extent of the damage, and any personal property affected. Write down the date and time you discovered the issue. This record helps you when you talk to your insurance company.

Keep receipts for any temporary repairs you make, like tarping a roof or shutting off water. Your policy may reimburse these costs, but only if you document them. Do not throw away damaged items until the claims process is complete. Your insurer may want to inspect them.

• Photograph each room from multiple angles
• Video the water source and spread
• List damaged items with estimated values
• Save receipts for emergency repairs
• Note the date and time of discovery

Your policy likely requires you to mitigate damage. That means stopping the water source, drying out the space, and protecting undamaged areas. You can do basic steps like moving furniture or placing buckets under leaks. But for structural issues, call the pros.

In Frisco, where the climate brings spring hail and thunderstorms, water damage can escalate quickly. If you live in Frisco, keep your shutoff valve location written down. Acting fast helps limit the extent of the damage and supports your claim.

After you file, your insurer may send an adjuster to assess the damage. Be present during the inspection and point out all affected areas. Share the documentation you gathered. Ask questions about coverage limits and the claims timeline.

If the claim is denied or the offer seems low, you can appeal. Review your policy language and consult a qualified attorney if needed. Do not sign any release until you are satisfied with the settlement. Keep all correspondence in writing for your records.