I spent 18+ years on the insurance side: as a risk engineer at FM Global, a production underwriter for middle-market and large commercial accounts at AFM, and a national property account executive at Travelers handling shared and layered programs. Now I represent owners, HOAs, and businesses.
CA Lic. #6002396 · NV Lic. #3852853 · Commercial fee typically 10–15%
Commercial policies are longer, more negotiated, and more technical than homeowners policies. The money is usually lost in the details.
Lost profit and continuing expenses during restoration, plus the extra cost of staying open. The period of restoration and the income proof are where these claims are won or lost.
If insured values are below what the policy requires, the payment is cut proportionally. I test the calculation and the valuation behind it.
Ordinance or law coverage pays to bring a damaged building up to current code, but only if it was purchased and properly claimed.
Multi-family and commercial landlords lose rent while units are down. It needs its own documentation and its own negotiation.
Master-policy deductibles, owner assessments, and the boundary between association and owner coverage cause most HOA disputes.
Percentage deductibles, water damage sublimits, and multi-location programs. On layered programs, how the loss is split between carriers matters.
Commercial building owners and landlords, HOA boards and community managers, apartment and multi-family owners, retail, restaurant, office, and industrial businesses, and brokers who want a strong advocate for their insured after a loss.
We talk through your claim and your options. No cost, no commitment.
I inspect the property and read the full policy, documenting every loss, including hidden damage.
I build the claim, handle all insurer contact, and negotiate for you.
You are paid. My fee comes only from money recovered for you.
Tell me about the property and the loss. Commercial consultations are free and confidential.