Public Adjuster Insight

 Running a business in Austin means preparing for the unexpected. Whether your commercial property suffers damage from severe weather, fire, vandalism, or water intrusion, knowing how to file a business claim in Austin can determine how quickly you recover and resume operations. Commercial insurance claims involve higher stakes and greater complexity than residential claims, making preparation and proper documentation essential. Understanding Commercial Property Coverage Business insurance policies differ significantly from homeowners coverage in both scope and structure. Most commercial policies include property coverage for the physical building and its contents, along with business interruption coverage that compensates for lost income during the recovery period. Additional endorsements may cover equipment breakdown, spoilage, or specific perils relevant to your industry. Review your policy carefully before disaster strikes. Many Austin business owners discover coverage gaps ...

  Florida's insurance landscape continues reeling from an unprecedented one-two punch that struck the state in late 2024. Hurricanes Helene and Milton made landfall within just thirteen days of each other, generating hundreds of thousands of Florida claims and exposing persistent vulnerabilities in the state's already fragile property insurance market. As the anniversary of these storms approaches, the claims process reveals both the scale of destruction and the systemic challenges facing Florida homeowners seeking recovery. Back-to-Back Disasters Create Perfect Storm Hurricane Helene barreled into Florida's Big Bend region on September 26, 2024, as a Category 4 storm with sustained winds of 140 miles per hour. It was the strongest hurricane on record to strike the Big Bend region of Florida, the deadliest Atlantic hurricane since Maria in 2017, and the deadliest to strike the mainland US since Katrina in 2005. PreventionWeb Before residents could begin meaningful recov...