Why commercial appraisals need a different approach
A garden-style apartment community off I-285 might have eighteen buildings, three roof types and a clubhouse. A Macon distribution warehouse might have a single 400,000-square-foot low-slope roof where moisture readings decide whether the deck is replaced. A Savannah historic storefront brings preservation rules. None of these fit a template, and carriers know it — commercial estimates are frequently negotiated building by building.
What we evaluate
- Low-slope and specialty roofing — TPO, PVC, EPDM, modified bitumen, built-up and standing-seam metal — including core samples and infrared moisture surveys where they change the scope.
- Building envelope — EIFS, stucco, brick veneer, storefront glazing and sealants.
- Interior build-outs and tenant improvements, with attention to who insures what under the lease.
- Mechanical units on roofs, especially condenser coil hail damage and the crane and disconnect costs that come with replacement.
- Code and ordinance exposure when a damaged building must be brought up to current Georgia and local codes.
- Coinsurance and valuation clauses that can quietly reduce a payment if the building was under-insured.
Working with owners, managers and counsel
We regularly work alongside property managers, asset managers, HOA boards and outside counsel. We keep a clean document trail, produce building-by-building comparisons, and can present to a board or ownership group before a decision is made to invoke appraisal.
Frequently asked questions
Can each building be appraised separately?
Policies and carriers handle this differently. Sometimes the whole claim goes to one panel; sometimes the parties agree to resolve buildings in groups. We look at what keeps the process efficient and defensible.
Do you handle HOA and condo association claims?
Yes. Association master-policy claims are a large share of our commercial work, and we can present findings to the board in plain terms.
What about churches and nonprofits?
Houses of worship and nonprofit buildings often have unusual features — steeples, stained glass, large-span roofs. We price those items specifically rather than forcing them into residential line items.