Altamonte Springs, FL
Hurricane
- Initial insurance offer
- $0 - Denied
- Settlement with Five Star
- $2,000,000
Denied to $2M
Commercial Claims Division
Commercial Property Claims: Large Loss Specialists
Not every public adjusting firm can handle commercial losses. We can.
We work alongside property owners, management teams, and investors to navigate complex insurance claims from start to settlement.
Proven Track
Record
- 20+
- Years in Business
- 120+
- Licensed Public Adjusters
- 80,000+
- Policyholders Helped
- $1.5 Billion+
- Recovered for Clients
- 1,900+
- Google Reviews
- 33
- States Served via the TruCore Network
Areas we serve
Proven Results on Large Losses
Carrier's opening position, compared to Five Star's final recovery. Actual commercial settlements.
Altamonte Springs, FL
Hailstorm
- Initial insurance offer
- $125
- Settlement with Five Star
- $2,400,000
1MM%+
Palm Springs, FL
Wind / Hurricane
- Initial insurance offer
- $66,271.11
- Settlement with Five Star
- $3,700,000
5,400%+
El Reno, OK
Wind & Hail
- Initial insurance offer
- $256,356.33
- Settlement with Five Star
- $6,361,228
2,300%+
Longwood, FL
Wind Damage
- Initial insurance offer
- $19,787
- Settlement with Five Star
- $708,172
3,400%+
Orlando, FL
Hurricane
- Initial insurance offer
- $870.92
- Settlement with Five Star
- $242,891
27,000%+
Boynton Beach, FL
Fire Damage
- Initial insurance offer
- $740,182.59
- Settlement with Five Star
- $2,112,227.21
185%+
Miami Gardens, FL
Wind / Hurricane
- Initial insurance offer
- $310,001.86
- Settlement with Five Star
- $1,807,527.65
480%+
West Palm Beach, FL
Water Damage
- Initial insurance offer
- $44,757.93
- Settlement with Five Star
- $293,301.29
550%+
Actual commercial settlements handled by Five Star. Every claim is different, and past recoveries are not a guarantee of the outcome on any future claim.
Five Star Commercial Team
The people behind every commercial recovery, from first call to final settlement.
Leadership
- Nigel Bogaert, PCA & Co-President, 20 years of experience
- Brian Macomber, PCA & Co-President, 20 years of experience
Commercial Division
- Edward Bittman, VP of Commercial Claims, PCA, 17 years of experience
Business Development
- Alexander Muehleck, PCA & Business Development Rep, 4 years of experience
- Keith Comeaux, PCA & Business Development Rep, 10 years of experience
- Stephen Reardon, PCA & Business Development Rep, 20 years of experience
Specialized Commercial Public Adjusters
- Luciano Assuncao, Senior Commercial Adjuster, 18 years of experience
- James Ceparano, Senior Commercial Adjuster, 10 years of experience
- Eduardo Lamour, Senior Commercial Adjuster, 19 years of experience
- Keith Levison, Senior Commercial Adjuster, 12 years of experience
- Jason Brown, Commercial Public Adjuster, 9 years of experience
- Josh Kennedy, Commercial Public Adjuster, 9 years of experience
- Ernesto Eljuri, Commercial Public Adjuster, 6 years of experience
- John Eddins, Commercial Public Adjuster, 6 years of experience
Commercial Claims
Multi-State Coverage
CAT Event Response
A Commercial Claim Has So Many Moving Parts.
Five Star Is Your One Point of Coordination.
A commercial claim involves more people than most owners realize. Five Star sits at the center of all of it.
On large losses, expect competing experts on both sides. The carrier brings its own engineers and forensic accountants, and so do we. That means your side of the claim is just as well-represented as theirs.
We’re a Resource Before a Claim Ever Happens
Most public adjusters show up after the damage. We believe the best time to build a relationship is before you ever need to file.
We partner with the professionals responsible for protecting and managing commercial properties across multiple states.
🏢 Pre-Claim Services We Offer
- Policy review & coverage interpretation
- Emergency response coordination
- Damage documentation & reporting protocols
- Recovery strategy during large-scale events
- Educational presentations for ownership groups and PM staff
- Vendor onboarding support for approved resource programs
Types of Claims We Handle
Commercial-scale expertise across every kind of loss.
Fire Damage
Fire losses rarely end with the flames. Smoke, soot, and water from suppression efforts extend the damage far beyond what's visible. We document the full scope, including the structure, contents, and business income, to recover the full cost of the loss.
Water Damage
Water spreads fast and hides behind walls, ceilings, and flooring long after the source is fixed. We make sure every affected unit, common area, and hidden pocket of damage is properly documented and covered.
Hurricane Damage
Wind, rain, and flooding often strike the same property at once, and carriers frequently dispute which peril caused what. We untangle that complexity to build a claim that reflects the true scope of the loss.
Flood Damage
Flooding can compromise floors, walls, and foundations across an entire property or portfolio. We document every detail and pursue full compensation under every coverage that applies.
Structural Damage
From roof assemblies to building envelopes, structural damage threatens the safety and value of the entire property. We bring in the right experts to document root cause and scope the full repair.
Business Interruption
Lost rent, lost revenue, and extra operating expenses are real losses, and they're often underclaimed. We quantify the full financial impact so your business income coverage pays what it should.
Capabilities Overview
The types of commercial losses we handle.
Healthcare and Hospitals
K-12 Schools and Universities
Multifamily Student Housing
Commercial and Retail Spaces
Government Buildings and Facilities
Industrial and Manufacturing Plants
Commercial High-Rises
Hospitality: Hotels and Resorts
What Makes a Commercial Claim Different
And how the Five Star process is built around it
Step 1
14-Point Inspection
Complete a complimentary inspection of all roofs, exteriors, and interiors. Prepare a damage assessment checklist for scope.
Step 2
Navigate Insurance Policy
Navigate the policy's coverages, requirements, and deadlines to help avoid pitfalls and denials. Provide a recap of benefits and deductibles.
Step 3
Presentation to the Board
Assess and gather the facts of the claim, explain our process, and engage directly with your association's decision-makers.
Step 4
File Claim
File the claim with the insurance company and provide all necessary documentation to open it. Track down all desk adjusters, field adjusters, and contractors assigned by the carrier.
Step 5
Build Claim Package
Photograph, sketch, and obtain all required documentation to complete an Xactimate estimate of damage. Gather invoices and photos for prior repairs, engage engineering firms as needed, and review the package with the HOA before submitting it.
Step 6
Coordination & Attendance
Coordinate and attend all inspections with insurance company adjusters, contractors, and engineers.
Step 7
Negotiation & Dispute Resolution
Lead negotiations and attend all re-inspections, mediations, and appraisals when a dispute arises.
Step 8
Claim Settlement
Review the carrier's estimates and all applicable bids with the insured, then discuss settlement and available options for pursuing appropriate payment.
The Erosion of Commercial Property Coverage
How commercial policies became more restrictive, conditional and complex.
1990s
Broad Coverage Foundation
Direct physical loss generally covered unless excluded.
1992-2000
Catastrophe Risk Shifts
Hurricane Andrew reshapes underwriting. Percentage wind/hurricane deductibles expand.
2001-2009
New Exclusions Emerge
Mold/fungi restrictions. Terrorism separated. Virus/bacteria exclusion introduced.
2012-2018
Roofs & Building Components Treated Differently
Roof ACV. Cosmetic hail limitations. Protective safeguard requirements.
2019-2022
Policies & Disputes Get More Complex
Surplus-lines/manuscript forms. Arbitration provisions. Cyber exclusions.
2022-2026
More Risk Shifts to the Owner
Higher catastrophe deductibles. Roof schedules & ACV. Sublimits. Coinsurance exposure. Stricter conditions.
Then
Direct physical loss was generally covered unless excluded.
Now
A $10 million policy. But $10 million subject to what?
- 5% Wind Deductible
- Roof ACV
- Cosmetic Exclusion
- Coinsurance
- Code Sublimits
- Business Income Limits
- Safeguards
- Arbitration
The policy limit is only the beginning of the coverage analysis.
More than ever, it pays to have an experienced public adjuster protecting your side of the claim.
Coverage varies by policy form, endorsement, carrier, jurisdiction and applicable law.
Our Clients Say It Best
1,900+
Google Reviews
Verified client feedback from policyholders across Florida, on residential and commercial claims alike.
Commercial claim“Thank you for a job well done. We tried to handle the claim ourselves but without Five Star, we would not have been able to restore the value to our property.”
Commercial claim“After a free roof inspection, you agreed to represent the association on a contingency basis. In less than 60 days, your team of engineers, negotiators, and insurance experts got us an additional $550,000.00 cash!”
Google review“Five Star is called Five Star for a reason! Before my son introduced me to Five Star, I was getting nowhere with my insurance company. My Five Star Adjuster in shining armor handled it all.”
Google review“We hired Five Star after damage from Hurricane Milton. Our insurance company denied our initial claim. With Five Star's help, we recouped a settlement, and their diligence kept the process moving throughout.”
Google review“Five Star Claims Adjusting has been absolutely great and so pleasant to deal with: knowledgeable, responsive, and super nice. They took the stress away from us during this difficult time.”
Google review“Five Star Claims was super professional and detailed throughout every step of our claim process. They kept us abreast of what was happening at all times and worked extra hard for us! We recommend Five Star 100 percent!”
A true partnership.
We Quarterback the Entire Claim Process.
The best outcomes happen when the right experts are focused on what they do best. Commercial claims involve far more moving parts than most property owners and managers realize, from contractors and engineers to accountants, attorneys, and insurance professionals. Five Star serves as one point of coordination, bringing those pieces together and keeping the claim moving in the right direction. If you're dealing with commercial property damage, our team is ready to step in and help.
Take Five Star With You
The whole commercial story, in one PDF
The commercial division, the track record, and the process, all in one shareable brochure. Share it with your board, your property manager, or your broker, so everyone involved in the decision sees the same picture.
What we do
Save Your Time | Handle Your Carrier | Maximize Your Claim
What Is a Public Adjuster & Why You Need One on Your Side
While insurance company adjusters are legally required to evaluate damages impartially, important details can sometimes be missed. Studies consistently show that claims managed by public adjusters typically result in significantly higher settlements. Since insurance companies aim to minimize their financial liability, it's not uncommon for payouts to be lower than what policyholders may be entitled to. Our services include detailed damage assessments, direct negotiation with insurance carriers, and coordination of settlements, all designed to protect and prioritize your best interests.
What Does a Public Adjuster Do?
When disaster strikes, the insurance company sends their adjuster to protect their bottom line. We're here to protect yours. As licensed public adjusters, we work for you, not the insurer. From damage assessments and loss documentation to negotiations and final settlement, we take on the heavy lifting and push back when the insurance company tries to pay less than you deserve.
How Much Does a Public Adjuster Cost?
We don't get paid unless you do. It's that simple. We work on a contingency basis, which means there are no upfront fees and zero risk to you. Our fee is a small percentage of the final settlement, and only after we've recovered more money than the insurance company was willing to pay. If we don't increase your payout, you owe us nothing.
Can you help if my insurance claim was denied or underpaid?
Absolutely! Denied and underpaid claims are one of our specialties. Insurance companies often try to minimize payouts, but we have the expertise to challenge their decision and get you the compensation you deserve.
Why hire a public adjuster instead of handling the claim myself?
Insurance companies have teams of adjusters working against you. Why not have an expert working for you? We know insurance policies inside out and find coverage you may not realize you have. We negotiate aggressively to increase your payout. And we handle all the paperwork and red tape, saving you time and stress.