Commercial property insurance resources

Each of these commercial property insurance resources takes one question that decides how a commercial property claim is paid and follows it through the policy wording, the underwriting and the law of the states where it matters. They draw on the same state research and standard ISO form language as the rest of this site, and they link to the state and class pages where the detail lives.

The first guides cover three subjects. One explains how roof age and location set the hail deductible, the roof settlement basis and the cosmetic exclusion, and how to price each quote in dollars before it is bound. One covers building values: how they fall behind rebuilding cost, what coinsurance does to an ordinary partial claim, and a check to run building by building before renewal. The third sets out the valued policy statutes in the twenty states where our research finds one, what each pays on a total loss, and the flood, deductible and partial losses none of them reach.

All of it is general information, and the wording of an issued policy decides any actual claim. For the market and law notes behind each state, start from the directory of all 48 state guides. For how the underlying policy works, see the standard property form, from covered causes to claim payment.