For homeowners
Commercial engagements are quoted separately because the work is not comparable to a residential roof claim. If your loss is residential, the standard claim review is the right starting point.
Commercial and Large-Loss Claims
Public-adjusting support for commercial roof and property losses, scoped and quoted per claim rather than under the residential flat fee.
Is this the right service for the file?
A commercial policy carries coverage a residential policy does not: business income, extra expense, tenant improvements, ordinance and law, and separate sublimits with their own conditions. The documentation burden is heavier and the file usually involves several professionals. This work is scoped and quoted per claim.
This may help when
- A commercial roof loss involves business income or extra expense
- The policy carries multiple coverage parts, sublimits, or scheduled locations
- The property is a retail center, warehouse, office, multi-family, or association-governed building
- The loss requires coordinated engineering, accounting, and estimating work
Role clarity
FlatRatePA.com provides public-adjusting services, not roofing or legal services. Representation requires claim qualification and a written agreement; no outcome is guaranteed.
Texas Department of Insurance: public adjustersWhat we review
Send what you have. We will identify what is useful, what is missing, and what matters for this stage of the claim.
- The full commercial policy, including every coverage part, sublimit, and endorsement
- Ordinance and law provisions and applicable code upgrade requirements
- Business income records, lease obligations, and tenant improvement documentation
- Building measurements, roof system specifications, and maintenance history
What this service delivers
- Written engagement proposal with a defined scope and fee
- Coverage map across every applicable policy section
- Documented claim components for building, income, and code-required work
- Payment reconciliation across coverage parts
Document. Review. Act.
A consistent three-step path keeps the file focused and makes the next decision easy to understand.
- Step 1
Scope the engagement
We review the policy and the loss to determine what the claim involves and which professionals it requires, then provide a written proposal covering scope and fee.
- Step 2
Build the claim record
Building damage, business income, and code-driven work are documented as separate, individually supported components.
- Step 3
Work the claim to resolution
The claim is presented, the carrier’s position is addressed component by component, and payments are reconciled against what was agreed.
What this means for you
The public-adjuster role stays separate from the roofing work, with clear responsibilities for each party.
For roofing companies
A commercial file can be handed off the same way a residential one is, with the property owner engaging us directly. Scope and fee are agreed in writing before any work begins.
What happens next
Commercial engagements begin with a policy and loss review, followed by a written proposal covering scope, fee, and the third-party costs the policyholder would bear. Texas compensation limits apply to any agreed fee.
Find out whether your claim deserves another look.
Send the documents you have. We will identify the next reasonable step and any information still missing.