Commercial Claims

Commercial Insurance Claims

Owning commercial property is an investment that provides a foundation for your business operations. However, when disaster strikes—whether from storms, natural disasters, fires, or structural damage—your business could face significant setbacks.


While you rely on your commercial property insurance to help cover repairs and lost income, insurance companies sometimes deny or underpay claims, leaving business owners with costly out-of-pocket expenses.


Gustin Law is here to protect your business interests by holding insurers accountable and ensuring you receive the compensation you’re entitled to under your policy.

Common Reasons Insurance Companies Deny Commercial Property Claims

Insurance companies may use a variety of tactics to limit payouts or deny claims from commercial property owners. Here are some common reasons claims are disputed or denied:

Claiming Insufficient Documentation

Insurance adjusters may argue that there isn’t enough documentation to support your claim, particularly if evidence of damage wasn’t immediately documented or if maintenance records are incomplete.

Policy Exclusions

Insurers often cite policy exclusions as a reason to deny claims, stating that certain types of damage aren’t covered. They might argue, for instance, that storm damage was due to pre-existing wear and tear rather than the weather event itself.

Lowball Settlement Offers or Delays

Some insurers deliberately delay the claims process or offer settlements far below the necessary amount to cover repairs. Delays or lowball offers can place a financial strain on businesses already struggling with the costs of downtime or interrupted operations.

When insurance companies act in bad faith to avoid their obligations, it’s essential to have a legal advocate who can challenge these unfair tactics. Gustin Law has the expertise and commitment to hold insurers accountable and fight for the compensation your business deserves.

glass of a broken and cracked commercial showcase

Why You Need Gustin Law on Your Side

Facing an insurance denial or low settlement offer for commercial property damage can add stress and financial strain to your business. Here’s how Gustin Law can assist you:


  • In-depth knowledge of Commercial Insurance Claims: Gustin Law understands the complexities of commercial insurance coverage and the strategies insurers use to reduce payouts when filing a claim. We thoroughly review your policy, gather detailed evidence of damages, and challenge any unreasonable exclusions or delays. If your insurer has acted in bad faith, we pursue all avenues to hold them responsible.
  • Relentless Advocacy for Full Compensation: Our team fights to ensure you receive the maximum payout under your policy. We negotiate aggressively with insurance adjusters to secure a fair settlement. If necessary, we are prepared to take your case to court to achieve the compensation your business needs for recovery.
  • Professional, Compassionate Support: At Gustin Law, we recognize that managing property damage is overwhelming, especially when it disrupts your business. We provide dedicated, empathetic support throughout the legal process, so you’re never left facing these challenges alone.

Steps to Take After a Denied Commercial Property Insurance Claim


If your insurance claim for commercial property damage has been denied or underpaid, you can take steps to protect your business and strengthen your claim:


  1. Document All Damage Thoroughly: Take photos, and videos, and gather receipts related to the damage, repairs, or losses sustained. Detailed documentation can make a significant difference in disputing an insurance claim denial or undervalued claim.
  2. Request a Written Explanation from the Insurer: Ask your insurance company for a written explanation of why your claim was denied or underpaid. This document will be essential in building a case to dispute their decision through the appeals process or court.
  3. Contact Gustin Law for Guidance: You need an experienced insurance claim attorney. Reach out to our team as soon as possible. We’ll conduct a thorough review of your policy, evidence, and claim to build a robust case for pursuing the compensation you deserve.

Don’t Let Insurance Companies Compromise Your Business—Contact Gustin Law

If your insurance company has wrongfully denied or underpaid your commercial property damage claim, contact Gustin Law for a free consultation. Our team is committed to standing up to insurance companies and ensuring your business receives the compensation necessary for recovery. Let us handle the legal complexities while you focus on restoring your business.

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