Bigger roofs, bigger gaps
A single hailstorm across Idaho Falls or Nampa can touch hundreds of thousands of square feet of commercial roofing. When an estimate treats a TPO membrane, its insulation and the rooftop units as one line, small pricing errors multiply into six-figure disagreements. Commercial property appraisal needs a scope that breaks the work into the pieces a contractor would actually bid.
Property types we value
- Retail and office buildings along Eagle Road, Fairview Avenue and downtown corridors.
- Multifamily and student housing, including the apartment complexes around Rexburg, Moscow and Pocatello.
- HOA communities with dozens of buildings under one master policy, where the question is often how many structures share the same damage.
- Agricultural buildings: potato and onion storage, pole barns, dairy barns, hay sheds and equipment shops, many of them clear-span structures that react badly to heavy snow.
- Churches, schools and nonprofits with older buildings and tight budgets.
Issues specific to commercial and farm claims
Commercial forms often include coinsurance, separate deductibles by building, ordinance-or-law coverage and business-income provisions. Farm policies may insure buildings on a scheduled, actual-cash-value basis. Snow-load collapses raise engineering questions about whether the failure was sudden or the result of long-term deterioration. We work alongside engineers and contractors where needed, and we keep the panel focused on the amount of loss.
Who we work with
We work for building owners, property managers, HOA boards and farm operators. We can also sit as a neutral umpire on commercial panels where we represent neither side.
Questions about commercial property appraisal
Can an HOA board invoke appraisal for the whole community?
If the master policy contains an appraisal clause and the association is the named insured, the board can usually make the demand. Check your governing documents for any approval the board needs first.
Do you appraise business-income losses?
We focus on physical damage. Business-income disputes often need a forensic accountant, and we can coordinate with one when the policy and panel allow.
Do you handle collapsed farm buildings?
Yes. Snow-load and wind failures on pole barns and storage buildings are common in Idaho. Whether collapse is covered depends on the policy, so we start by reading the form.