Commercial Claims
Commercial Property Losses Demand a Different Level of Expertise.
Vectrum Risk Services provides HAAG-certified inspections, public adjusting, and insurance appraisal for commercial property owners, investors, and managers throughout Michigan.
The Stakes Are Higher. So Is Our Standard.
Commercial property claims are more complex than residential losses. Larger structures, multiple occupancies, business interruption exposure, and higher replacement costs mean that documentation gaps and settlement shortfalls carry real financial consequences.
Vectrum brings the same insurance-industry background and HAAG-certified inspection standards to every commercial assignment — with the field experience to handle multi-building losses, complex roofing systems, and claims that require more than a single visit.
Residential Standard
Commercial Standard
Single structure
Multi-building capacity
Standard roofing systems
Flat, low-slope & steep-slope
Homeowner representation
Investor & portfolio-level claims
Single-visit documentation
Phased, coordinated reporting
Residential claim process
Complex commercial claim management
Property Types
Commercial Property Types We Serve
Multifamily & Apartment
Apartment complexes, multifamily buildings, and large residential rental portfolios with multiple structures or units.
Retail & Mixed-Use
Strip malls, shopping centers, mixed-use developments, and standalone retail properties.
Office Buildings
Single-tenant and multi-tenant office buildings, professional parks, and medical office facilities.
Industrial & Warehouse
Manufacturing facilities, distribution centers, warehouses, and light industrial properties.
Investment Properties
Investor-owned portfolios, REITs, and commercial real estate holdings requiring professional claim management.
Hospitality & Institutional
Hotels, motels, schools, houses of worship, and other institutional or hospitality properties.
Services
Commercial Services
Ladder Assist & Inspections
Commercial Roof Inspection
HAAG-certified inspection of flat, low-slope, and steep-slope commercial roofing systems. Detailed written reports suitable for insurance claims, litigation support, or pre-purchase assessment.
Public Adjusting
Commercial Public Adjusting
Full-service policyholder representation for commercial property claims. We document the loss, prepare the claim, and negotiate with the carrier on your behalf. 8.5% contingency fee — no upfront cost.
Insurance Appraisal
Commercial Insurance Appraisal
Neutral umpire and appraiser services for commercial property disputes under the appraisal clause. Structured process, documented findings, and binding resolution. Starting at $2,500.
Complex Losses
Multi-Building & Complex Losses
Large commercial losses — multiple structures, phased damage, or properties with complex roofing systems — require a field partner who can coordinate across buildings, document consistently, and produce a claim package that holds up under carrier scrutiny. Vectrum has the capacity and the process to handle assignments of this scale.
Our Clients
Who Engages Vectrum for Commercial Work
Ready to Discuss Your Commercial Claim?
Contact Vectrum to discuss your property, your claim, and which service is the right fit.