Month: August 2026

When a commercial roof is damaged by a covered event, the cost of repairing or replacing the roof is only part of the potential financial loss. A business may also…

Commercial property insurance may cover mold resulting from a roof leak, but coverage is not automatic. Whether an insurer pays for mold remediation, interior water damage, damaged contents, or related…

Builder’s risk insurance is a type of property insurance designed to protect a building and certain construction materials from covered damage while construction or major renovation work is underway. During…

When a commercial roofing project begins, insurance requirements are an important part of the contract—not simply paperwork to complete before work starts. One of the most common requirements is naming…

Before hiring a roofing contractor, verifying the company’s Certificate of Insurance (COI) is an important step in protecting your property, employees, and project. A COI summarizes the contractor’s insurance coverage,…

An actual cash value (ACV) roof endorsement is an insurance policy provision that changes how a roof loss is valued after a covered event. Instead of paying the full cost…

A roof surfacing schedule endorsement is an insurance policy provision that changes how an insurer calculates payment for damage to a roof. Instead of automatically paying the full replacement cost…

A cosmetic damage exclusion is a provision in a property insurance policy that limits or excludes coverage for damage to a roof or other building component when the damage is…

In Florida, a wind/hail exclusion means an insurance policy does not cover certain losses caused by wind, hail, or related storm events. For commercial property owners, understanding when this exclusion…

When a commercial building in Florida suffers a total roof loss from a hurricane, windstorm, fire, or another covered event, building valuation can have a major impact on how the…