Your commercial insurance adjuster works for the insurance company. Decor Roofing & Restoration works for you. Certified inspection and Xactimate documentation — included at no additional charge with any project.
Commercial insurance adjusters handle high claim volumes after major Tulsa storm events. Their assessments are constrained by time, access, and company-specific documentation guidelines. Without a credentialed advocate who gets on the roof with them, identifies every covered damage item, and presents documentation in the format their company requires, commercial settlements reflect what the adjuster had time to find — not everything your policy covers.
The difference on a large commercial roof replacement can be significant.
We access every section of the roof, document every covered damage item, and advocate for the full settlement your policy allows. This service is included with any roofing or restoration project we complete. You pay only your deductible.
Xactimate is the estimating platform used by the majority of commercial property insurers to calculate repair and replacement costs. A commercial damage estimate produced in Xactimate by an experienced commercial estimator arrives at the insurance company in exactly the format their system requires — with line-item quantities, material specifications, and labor rates that match what the adjuster’s own system would produce. Commercial property managers who submit handwritten estimates or non-standard formats start the claim negotiation from a weaker position.
After storm damage, our HAAG-certified inspector performs a complete commercial roof and building envelope inspection at no charge.
We produce complete Xactimate documentation covering all covered commercial property damage — roofing, envelope, HVAC, skylights, interior, and structural.
We contact your commercial insurance carrier and open your claim, or supplement an existing claim with additional documentation.
We meet your commercial adjuster on-site, access the full roof, and advocate for every covered item within your policy terms. No adjuster visit happens without us present.
Claim approved, commercial restoration scope confirmed, project scheduled. You pay only your deductible.
Restoration completed, final documentation provided to your insurer, claim closed. Project signed off when you’re 100% satisfied.
Storm damage to a commercial building frequently involves multiple damage types that each require separate documentation. Our commercial claim process covers roofing membrane and system damage, building envelope damage, HVAC and rooftop equipment damage, skylight and glazing damage, interior damage caused by storm-driven water intrusion, and structural damage from impact events. We produce complete documentation across all covered commercial property damage categories — not just the roofing component.
No. Certified inspection, Xactimate documentation, and commercial adjuster advocacy are included at no additional charge with any roofing or restoration project we complete. You pay only your deductible. There is no separate fee for the commercial insurance claim process.
A claim denial or underpayment is not the end of the process. We review the denial or settlement documentation, identify what the adjuster missed or improperly excluded, and supplement the claim with additional evidence and documentation. Many initially denied or underpaid commercial claims are successfully supplemented with proper certified documentation. We guide you through the supplemental claim process at no additional cost.
Oklahoma law provides property owners up to one year from the date of loss to file a claim, but most commercial property insurance policies have shorter reporting requirements — often 30 to 60 days from the loss date. Acting promptly after a storm event protects your commercial claim rights. Call us for a free inspection as soon as practical after storm damage.
