The Bottom Line Impact: Why Annual Maintenance and Inspections Are Non-Negotiable for Commercial Property Owners

Understanding Direct Physical Loss and Policy Coverage in Insurance Claims
Insurance policies typically cover direct physical loss to tangible property—meaning visible, physical damage like fire, flood, or theft. But knowing whether your specific loss is covered often requires expert interpretation of complex policy language, exclusions, and endorsements. A licensed public adjuster or insurance professional can help identify hidden coverage, avoid common pitfalls, and maximize your claim payout. Don't let unclear policy wording stand between you and your recovery—consult with an expert to ensure you're fully protected.