Commercial claims are built differently
Commercial property policies in Arizona often carry blanket limits, coinsurance clauses, percentage deductibles per building and separate business income coverage. Each of those affects what you are paid. Appraisal focuses on the amount of loss, but a good valuation is organized so that every policy term can be applied cleanly afterward.
What we value
- Low-slope roofs: spray polyurethane foam, modified bitumen, built-up and single-ply systems, including recoat versus replacement disputes.
- Tile and shingle roofs across HOA communities, where matching across buildings is often the real argument.
- Rooftop equipment: HVAC units, evaporative coolers, curbs, ducting and screening damaged by hail or wind.
- Tenant improvements and the question of who insures them: landlord or tenant.
- Common areas: clubhouses, ramadas, pool buildings, perimeter walls and gates.
HOA boards and property managers
Boards have duties to owners and need records that make sense at an annual meeting. We document each building separately, explain differences between our estimate and the carrier’s in plain English, and coordinate with your manager so inspections disturb residents as little as possible.
Large-loss documentation
For losses that reach six or seven figures, we can organize photographs by building and elevation, prepare roof diagrams and keep a log of every inspection and meeting. That record matters if the dispute moves beyond appraisal.
Questions about commercial & hoa claim appraisal
Do you work with HOA boards directly?
Yes. We usually work with the board president or a designated member and the community manager, and we can present findings at a board meeting.
Can appraisal decide business income losses?
It can value business income if the policy’s appraisal clause covers it and both sides agree it is a question of amount. Many disputes keep it separate.
How do coinsurance penalties affect appraisal?
The panel sets the amount of loss. Coinsurance is applied afterward using the policy’s formula, so accurate building values matter too.