Commercial Property Insurance Claims in Alabama
Helping commercial policyholders in Mobile and throughout the state
At Warhurst Law, attorney Gene Warhurst has been fighting for commercial property owners since 1995 – the year he decided to stop being a claims adjuster for The Hartford, and start representing people who had suffered losses. If your commercial property sustained damaged, Warhurst Law can help. Contact us in Mobile to find out more.
Who we represent
Warhurst Law works on behalf of policyholders in Alabama – and only policyholders. Come talk to us about your needs if your claim has been delayed or denied. We proudly represent clients in claims involving:
- Business properties
- Investment properties
- Multi-family dwellings, such as apartments, condos, nursing homes, and long-term hotels
- Warehouses and storage facilities
- Brick and mortar stores
- Online shops and other e-retail spaces
- Farms, both family and industrial
Help for commercial property policyholders
Warhurst Law has recovered millions of dollars for commercial policyholders throughout the Southeast. Some of our successes include:
- $26 million settlement for an apartment complex previously offered $3 million
- $11 million settlement for an apartment complex’s property damage, settled pre-suit
- $5.4 million in additional compensation for an apartment complex for wind damage in a storm
- $2.37 million in additional funds for a tornado claim
- $2.2 million settlement for an A/C business which was originally offered $200,000
- $1.3 million settlement for a radio station originally offered $19,000
The various kinds of commercial insurance policies
Businesses should consult with experienced insurance lawyers before making any large investments in time or personnel. Different policies cover different needs. The right policies should cover a wide variety of damage issues. The main types of commercial claims policies are:
- Property insurance. This policy should, if worded correctly, protect against fires, hurricanes, theft, vandalism, and any type of damage to your buildings. It should also cover losses such as freestanding structures and landscaping. The insurance should generally allow the owner to rebuild after disaster strikes or to start over at a new location.
- Liability insurance. General liability will cover you if someone is hurt on your property; professional liability will cover you if a mistake on your end causes a loss.
- Flood insurance. This is a separate policy that may be available in your community. It is backed by the National Flood Insurance program.
- Business interruption insurance. This insurance is also normally separate from property insurance. It should provide businesses funds for the income lost when businesses need to stop operating. Experienced Alabama lawyers work with financial professionals to help you properly document your business losses and verify how much you lost.
- Comprehensive auto insurance. Any business that owns company cars, trucks, buses, or other vehicles should have this type of policy to pay for the damage to the vehicle – regardless of how the vehicle was damaged.
Companies may need other policies depending on the type of business they do, their financial circumstances, and other factors. For example, most businesses also need liability insurance and workers’ compensation insurance.