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Filing Commercial Insurance Claims for High-Rises

Last updated October 25, 2026

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The short answer

Document Everything First

Before you contact your insurance company, walk through every affected floor and common area. Take clear photos and videos of water stains, warped flooring, ceiling damage, and any standing water. Note the date and time of discovery, and record the source of water if you know it, such as a burst pipe or roof leak.

Make a written list of damaged property, including furniture, electronics, inventory, and building materials. If possible, keep samples of damaged materials for the adjuster. This documentation helps your claim move more smoothly and gives you a record if you need to appeal a decision.

  • Photograph every room with visible damage
  • Record water source and time of discovery
  • List damaged items with approximate values
  • Keep receipts for any temporary repairs
  • Save all emails and notes from conversations

Know Your Policy Limits

Review your commercial property insurance policy carefully. Look for coverage limits, deductibles, and any exclusions related to flood, sewer backup, or gradual damage. Understand what types of water damage are covered, as some policies exclude certain causes.

Policies vary, and your insurer decides what is covered. If you are unsure about a clause, ask your insurance company for clarification. You may also want to consult a qualified attorney or a public adjuster, but note that the pros do not handle claims for you.

Report the Claim Quickly

Notify your insurance company as soon as possible after the damage occurs. Most policies have time limits for filing a claim, so do not delay. Provide them with your documentation and any preliminary repair estimates. Keep a log of every phone call, including the date, time, and the name of the person you spoke with.

If you need to make emergency repairs to prevent further damage, such as stopping a leak or boarding up a window, keep all receipts. Your insurer may reimburse these costs, but only if you document them. Do not make permanent repairs until the adjuster has seen the damage.

Work with the Adjuster

The insurance adjuster will likely visit your building to assess the damage. Be prepared to walk them through each affected area and show your documentation. Answer their questions honestly and provide any additional information they request. The adjuster's report influences the payout, so make sure nothing is overlooked.

If you disagree with the adjuster's assessment, you have the right to appeal. Submit a written appeal with your own evidence, such as contractor bids or independent moisture readings. In some cases, you may need to hire a public adjuster to represent your interests, but that is your decision.

  • Walk the adjuster through every affected floor
  • Provide your photo and video evidence
  • Ask for a written explanation of the decision
  • Submit additional evidence if you disagree
  • Keep copies of all claim paperwork

Prevent Further Damage

While you wait for the claim to be processed, take steps to prevent additional damage. Shut off the water source if possible, and move valuable items to dry areas. Use dehumidifiers and fans to reduce moisture, but do not start major drying without your insurer's approval, as it may affect the claim.

If you are in Frisco, remember that the humid subtropical climate with hot summers and spring hail and thunderstorms can worsen mold growth after water damage. Consider contacting local water damage pros for emergency water extraction and structural drying, but confirm with your insurer first.

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Phones are answered 24/7 for Frisco and nearby communities.

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Frequently asked questions

How long do I have to file a claim?

Most commercial policies require you to report damage within a specific timeframe, often 30 to 60 days. Check your policy for the exact deadline. Delaying could jeopardize your claim, so report as soon as you discover the damage.

What if my claim is denied?

If your claim is denied, ask for a written explanation. Review your policy to see if the denial is justified. You can appeal the decision by submitting additional evidence. If needed, consult a qualified attorney who specializes in insurance disputes.

Should I hire a public adjuster?

A public adjuster works for you, not the insurance company, and can help negotiate a higher payout. However, they charge a fee, typically a percentage of the settlement. Weigh the cost against the potential benefit, and check your policy for any restrictions.

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