Commercial Property Damage Lawyers in Ohio

A Tailored Approach to Your Commercial Property Insurance Claim

Businesses and organizations in Ohio are as varied as the people who live here, and insuring commercial spaces and other places used by groups and the public requires a similar level of specialization.

Because policies are tailored to a commercial property’s location, size and use, a tailored approach to any legal dispute is important.

Major categories of Ohio property owners have special risks to consider:

Industrial Properties: Insurance for buildings that act as warehouses, equipment depots, or manufacturing plants may need to account for system breakdowns, such as loss of power or electrical surges. They may also need coverage for pollutants or environmental impacts, depending on what chemicals or products they use or store.

Retail Spaces: With people coming in and out, retail spaces have specific insurance needs, such as coverage for slip and fall injuries, inventory against theft or damage, or policy riders for large signs or glass window fronts.

Office Spaces: Damage to office space properties have an added layer of concern because businesses must preserve their records, whether they’re physical documents or digital data.

Medical and Health Facilities: Properties housing health care services are more complicated than most buildings. Power outages and equipment breakdowns strike at your basic functions. Medication spoilage creates major costs. Contamination is a special concern.

Schools and Educational Facilities: Schools and other educational buildings can’t simply clean up and reopen. Safety, disability accessibility and a healthy environment for students are the top priorities. Schools must live up to special building codes. Schools often include structures with unique vulnerabilities like gyms, cafeterias and auditoriums. Technology and equipment damage is an extra concern. Complicated maintenance issues at school buildings can also complicate recovery.

Government Buildings: The public flows through government buildings, which are subject to strict safety codes, feature specialized construction, contain important technological systems, can have historic significance, and can even be the center of civil unrest.

Restaurants: Kitchens are hectic places, and property owners must protect themselves against hazards such as fire, water and personal injuries. They also must meet health standards and protect against spoiling food and contamination.

Hotels: Guests can be unpredictable, and so commercial property owners must protect themselves against theft, damage and larger business interruptions.

Places of Worship: Churches and other centers of religious life aren’t easily replaced. With special architectural features and sometimes historic status, places of worship require special care after disasters. Church leaders also need to think about issues like safety and liability for injuries on the property, disability accommodations and vandalism.

Non-Profit Organizations: Buildings housing non-profit organizations can have special circumstances affecting what happens when they suffer damage. Equipment and supplies could be donated—and the building itself could be donated. Their spaces have a mix of uses, from meetings to offices to storage. Non-profits may share spaces with other organizations.

Condominium and Homeowners’ Associations: Though condos and HOAs concern residential property, they have responsibility for more than individual homes, dealing with larger scale damage to exteriors and roofs on multiple residences.

Depending on your relationship with the business or businesses using the property you own, insurance coverage may be shared, or you may be chiefly responsible.

In either case, when an insurance claim comes up, you will be in a much better position with the help of a skilled Ohio commercial property insurance lawyer who knows what’s covered, who is responsible for the damage, and how to take on a stubborn insurance company that refuses to make you whole.

When disaster strikes and you need insurance payments to get your property back up and running, HNB’s team of commercial property damage insurance attorneys is here to help.

Start with a free consultation on your case.

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