Commercial policies can be highly detailed and full of technical language, making it difficult to understand the full scope of coverage. Horizon Public Adjusters will decipher the policy, ensuring what the policy covers, and what to expect from your insurance company.

Commercial claims can be more complicated than personal claims. Commercial property or your business will involve a much larger scope of damages and more intricate policy details.

Hiring a public adjuster for your commercial claim is especially beneficial, and will greatly increase the settlement amount you  receive for your claim.

A commercial property claim can involve several types of losses, which may include:

Property damage:
This type of loss involves damage to the physical structure of the
commercial property or any equipment, inventory, or other assets located on the premises.

Business interruption:
If the property damage causes your business to shut down temporarily, your policy may cover lost income and other related expenses.

Extra expenses:
These may include costs incurred to prevent further damage, such as boarding up windows, installing tarps, temporary repairs, or hiring security, as well as costs
associated with relocating your business temporarily.

Equipment breakdown:
You may have coverage for equipment breakdowns, which can include damage to computers, HVAC systems, refrigerators, and other machinery used in the
operation of your business.

Homeowners associations (HOA), Condos, or multi-family property may also file a commercial property claim if the property is damaged or experiences losses. At Horizon, we also specialize in these type of losses.

This could include damage to the building's exterior, roof, common areas, any equipment or assets owned by the association, which may include damage to elevators, HVAC systems, and
other machinery used in the operation of the property.