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No fee unless we recover money for you.
NorthwestConstruction &Insurance Law
CallRecovery Review

Commercial services

Commercial Insurance Recovery

Owner-side counsel for major property-insurance underpayment, delay, scope, code, and time-element disputes affecting commercial assets.

No fee unless money is recovered on accepted matters, subject to a written fee agreement.

Representative results

A relevant commercial result

Commercial strip center in Portland

$1.8 million recovered

Commercial water-loss insurance underpayment

The matter resolved for $1.8 million after the insurer offered $55,432.32, including code-upgrade and loss-of-rent components.

Read the case result

Representative results are examples only. Every matter depends on its own facts, evidence, timing, contracts, policies, parties, defenses, damages, and applicable law. Past results do not guarantee future outcomes.

What the dispute involves

Scope left too narrow

The carrier may acknowledge some damage but leave out demolition, access, hidden conditions, code work, sequencing, or interior restoration needed to put the asset back together correctly.

Pricing disconnected from the real project

Software pricing and default assumptions may not reflect contractor availability, supervision, specialty trades, market conditions, or the complexity of repairing an occupied or income-producing asset.

Time-element losses minimized

Loss of rents, business interruption, extra expense, and restoration delay can be treated as secondary issues when they are often central to the owner's actual exposure.

What the review examines

Policy and endorsements

Coverage, exclusions, waiting periods, valuation provisions, ordinance or law, and time-element benefits.

Repair scope and causation

What was damaged, what proper restoration requires, and whether the carrier is narrowing the loss through scope or causation assumptions.

Timeline and delay

Inspections, payments, mitigation, contractor availability, permits, and whether the payment posture itself is extending the restoration period.

Financial consequences

Rent rolls, tenant impacts, business-income records, extra expense, and the practical cost of underfunding the loss.

Records to prepare

Start with a short summary. Prepare these records and provide selected documents when the firm requests them after initial review.

  • Policy and declarations
  • Carrier estimate and payment history
  • Reservation, denial, or coverage letters
  • Contractor estimates and mitigation invoices
  • Photos, reports, and repair timeline
  • Leases or rent roll if income loss is involved
  • Accounting records if business interruption is involved

The decisions beyond the claim

Commercial owner guide

We connect property restoration with business continuity, financial proof, and the timing of operational recovery.

  • Repair and restoration sought under the policy
  • Business income, tenants, and operating disruption
  • Cash flow, financing, and repair sequencing
How the approach connects proof, repair and your priorities
Initial review

Bring the property and the business impact into view.

Describe the damage, the response so far, and any upcoming repair, tenant, or project decision. The initial review can identify what further information is needed.

No fee unless money is recovered for you on accepted matters, subject to a written fee agreement.