Commercial & Large Loss
Complex properties demand specialized expertise.
Commercial claims carry larger numbers, denser policy language, and more carrier scrutiny. RCO brings the technical command of building systems and restoration science these files require.
Who We Represent
Built for the properties others find complicated.
On a large loss, carriers respond with engineers, building consultants, and forensic accountants. Their work is designed to narrow what the policy pays. Our work widens the lens: the full system, the full scope, the full cost of putting the property back.
- Commercial property owners
- Industrial facilities
- HOAs
- Churches
- Apartment complexes
- Property management companies
- Large commercial buildings
Technical Expertise
The systems behind a commercial claim.
Commercial Roofing Systems
Commercial roofs fail and are restored by assembly, not by shingle. We document damage at the system level so partial-patch scopes do not stand in for restoration.
Spray Polyurethane Foam Roofing
SPF systems demand specific inspection methods. Hail fracture patterns, coating condition, and foam integrity each tell part of the story.
Built-Up & Modified Bitumen
Multi-ply systems conceal damage between layers. We document what surface-level inspections miss.
TPO & Membrane Systems
Seam failure, puncture patterns, and membrane degradation — evaluated against manufacturer specifications and weathering data.
HVAC & Rooftop Equipment
Rooftop units take the same hail and wind as the roof around them. Equipment damage belongs in the scope.
Hail & Wind Damage
Storm damage across large footprints requires systematic, building-by-building documentation — not a walkaround.
Water Intrusion
Moisture migrates. We trace intrusion paths through assemblies to establish the full extent of the loss, not just the visible staining.
Fire & Smoke Losses
Smoke, soot, and heat affect far more than the burn area. We document the full impact on structure, finishes, and operations.
Large Restoration Scopes
Large losses are won on the estimate: demolition, remediation, code considerations, and reconstruction — line by line.
Building Code & Repair Methodology
Code requirements and proper repair methodology often decide what restoration actually costs. We put those considerations in the file.
Request a Commercial Claim Review
Facing a complex commercial loss?
Tell us about the property and the loss. We will review the claim and give you a candid assessment — technical, direct, and without obligation.