Why commercial appraisal is different
A commercial claim is rarely a single trade. A wind event that lifts a modified-bitumen roof on a Las Vegas retail building can also damage rooftop HVAC units, interior ceilings, inventory and the tenant’s ability to operate. Each piece may fall under a different coverage part with its own limits, deductibles and valuation terms.
Nevada adds its own wrinkles. Large single-story warehouses in the Reno–Sparks industrial corridor carry acres of low-slope roofing. Southern Nevada multifamily properties often have dozens of identical buildings, so a pricing error on one is multiplied across all of them. Community associations in Summerlin, Anthem or Spanish Springs maintain block walls, clubhouses, gates and common-area landscaping that sit outside the individual owners’ policies.
What we bring to commercial panels
- Roof-system scoping for TPO, PVC, built-up, modified bitumen, foam and standing-seam metal.
- Unit-by-unit documentation for multifamily and HOA portfolios, so sampling is transparent.
- Code and ordinance review where repairs trigger current building requirements.
- Coordination with your accountant or a forensic accountant on business-income figures (we value the physical loss; accountants handle the income claim).
- Experience as a neutral umpire on commercial panels, which shapes how we present a file.
For HOA boards and managers
Boards have a duty to members, and a disputed claim can stall reserve planning for months. We give boards a written, plain-language valuation they can share with members and use in meetings, and we work with the community manager on access and scheduling.
Questions about this service
Do you work directly with HOA boards?
Yes. We can report to the board, the community manager or the association’s attorney, whichever the board prefers.
Can appraisal handle business interruption?
Some policies allow the income loss to be appraised. Others don’t. We value the physical damage and coordinate with an accountant when income is part of the dispute.
We have 40 identical buildings. Do you inspect all of them?
Not always. Sampling can be appropriate when it is transparent and agreed. We document the method so the panel can rely on it.