It covers the on-site inspection, claim documentation, estimate work, and carrier communication we do to present and support your claim, based on the accepted proposal and anything we both confirm in writing after that. We will keep the file organized, track the deadlines we receive from the carrier, and put key requests and decisions in writing so you are not pushed into a quick sign-off that does not match the real repair.
What we handle
Commercial property claim handling covers the claim work we do to document the loss, map coverage, build and support the estimate, and negotiate with the insurer through settlement. It includes the specific tasks and outputs listed in your proposal, and we treat that list as our checklist for the engagement. If the loss scope expands after the walkthrough, or the carrier introduces new requirements, we will write down what changes before we do the added work. That note will say what is being added, what it replaces if anything, and any fee impact, so you can decide with the facts in front of you.
Payment
To book commercial property claim handling, you pay 25% of the price when you sign the proposal and this agreement. The remaining 75% is due when the engagement is complete. We invoice as the work progresses and at completion, and each invoice is payable within 14 days of its date. If an invoice goes past due, we will tell you in writing what is outstanding and what work, if any, we need to pause until the account is current. We do not want payment issues to create a deadline issue, so if you see a problem coming, tell us early and we will work out a plan in writing.
Privacy and files
We will treat your claim file, policy details, repair numbers, photos, inventories, and business information as private. We will only share it with people who need it to move the claim forward, like your carrier, your broker if you ask us to loop them in, and contractors or specialists you bring in for pricing. You will treat our estimate write-ups, claim strategy notes, templates, and internal work papers as private as well. When the engagement ends, we will give you the organized claim package we prepared for your file once your account is paid. We keep a copy so we can support negotiation, show what was submitted and when, and respond if the carrier later questions the record.
Working relationship
We are an independent contractor. We are not your employee, and you are not responsible for our taxes, benefits, or insurance. We use our own tools and systems to run the claim file, create the estimate and documentation, and track the deadlines that come in. You control your property, your repair decisions, and who you hire for restoration or construction. We can help you evaluate bids and back up pricing in the claim, but contractors, engineers, and other experts work for you under their own agreements. If the carrier asks for a recorded statement, a statement under oath, or an exam under oath, we will prep with you first and you decide what you will provide.
What we’re responsible for
We are responsible for doing the work in this agreement with reasonable care, keeping your claim file organized, and communicating the deadlines and requests we receive from the carrier. We are not the insurer, and we cannot promise that the carrier will accept a position, pay a specific amount, or meet a specific timeline. Because your cooperation affects outcomes, we are not responsible for delays or reduced recovery caused by missing information, lack of site access, or late responses from you or others you control. If you think something we submitted is wrong or incomplete, tell us promptly so we can correct the record with the carrier in writing.
Ending the engagement
You can end this engagement by telling us in writing. We can also end it if we cannot get the information or access we need to keep the claim moving, or if the working relationship breaks down. We will agree the notice period with you in writing based on any deadlines currently in play, because carrier time windows can be tight. If the engagement ends, you will pay for work already completed up to the end date, including any work in progress that we can reasonably package and hand over. Once your account is paid, we will deliver the organized file we built, including what was submitted, supporting documents, and a status summary of what we were waiting on and what the next steps are.
Signature
