Association and commercial losses we value
- Condominium and townhome associations insured under a master policy, from garden-style complexes in Burlington County to towers in Jersey City and Fort Lee.
- Mixed-use buildings with storefronts below and apartments above, a staple of downtowns from Westfield to Collingswood.
- Retail and office properties along the state’s highway corridors.
- Warehouses and flex industrial space, where large low-slope roofs and racking systems drive the numbers.
- Houses of worship, schools and nonprofits with older masonry buildings and specialty finishes.
Why commercial estimates come up short
Large low-slope roofs are measured from aerial images and priced as a single system, even when insulation, cover board and drainage were damaged too. Code upgrades required under the Uniform Construction Code are left for later. Mechanical units, parapet flashing and rooftop equipment are missing. In associations, the boundary between the master policy and each unit owner’s HO-6 policy becomes a reason to pay neither.
What the board or owner gets from us
We deliver a building-by-building, line-item valuation, a clear summary of the differences from the carrier’s estimate and, once appraisal is demanded, representation on the panel. For boards, we explain the numbers in a way that can be shared with unit owners at a meeting.
Frequently asked questions
Our association’s master policy has a large deductible. Is appraisal still worth it?
It can be. On large losses, the gap between estimates is often many times the deductible. The appraisal value estimator on this site shows how fees and the deductible affect the net figure.
Who decides whether a unit owner or the association covers a repair?
The governing documents and the policies decide that, not the appraisal panel. We value the loss, and the association’s attorney or manager applies the documents.
Do you work on warehouses and industrial roofs?
Yes. Large low-slope roof systems are some of the most frequently underpaid commercial items we see.