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Commercial Claims

Comprehensive commercial property claims expertise

Problem

Commercial clients face a disconnect between how insurance claims are evaluated and how businesses operate.

Insurance processes often focus narrowly on physical damage and coverage verbiage, while critical operational impacts are under-documented and delayed. Downtime, sequencing, access constraints, temporary measures, and coordination costs are frequently overlooked. As a result, businesses experience prolonged disruption, financial exposure, and stalled recovery during a time when speed and clarity matter most.

This is not a property owner failure - It is a documentation and alignment gap.

Solution

ReconSmart aligns claim processes with real world needs.

We assess commercial losses with a focus on efficiency, minimal business impact, and timely restoration. Our system helps clearly communicate necessary scope and details, allowing the claim handler to evaluate and approve the estimate quickly and release the payout promptly.

With our experienced insight, commercial clients gain clarity on what is required, what is missing, and what truly matters to restore the loss, and reduced downtime operationally.

Clarity drives momentum - Momentum protects the business.

Office space under renovation with ceiling tiles removed, debris on the floor, and a worker on an elevated lift inspecting the ceiling.

3 Key Actions for Commercial Claims

  • #1: Assigning a single point of communication.

  • #2: Involving an restoration claims specialist as soon as possible.

  • #3: Tracking business interruption details

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Commercial space that has suffered a loss and filed a claim with its insurance company before undergoing restoration process including mitigation, contents, and rebuild.

Restoration Claims Process

  • Take photos, videos, and write a simple recap of what happened. Protect the home from any further damage.

  • File the claim with your insurance company. You will receive a claim number and an adjuster will be assigned.

  • Meet with the adjuster during the inspection. Walk them through the affected areas and keep the information clear and factual.

  • Receive your comprehensive estimate from ReconSmart Solutions. We create a clean, irrefutable reconstruction scope in Xactimate that supports the entire claim.

  • Your insurance company and assigned adjuster review the estimate. They may ask additional questions to ultimately provide their own version. We guide you through aligning everything so the collaboration is complete.

  • Scope approval. Once both sides agree on materials, quantities, and pricing, the carrier issues the initial payment and repair scope based on your policy.

  • A major milestone achieved and the rebuild process starts. If new damage is found or changes are needed, we help support any required supplements.

  • Once the project is finished, the contractor submits final documentation (i.e. Certification of Completion). Your carrier releases any remaining depreciation owed to you.

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