LOUISIANA LEGAL SERVICES
Key Services /
Commercial Property Damage
Business Income
Disputed Estimates
Coverage Disputes
Protecting Louisiana Businesses When Property Insurance Claims Are Disputed
Commercial property damage can create significant financial challenges for business owners. In addition to the cost of repairing damaged buildings and property, a loss may interrupt business operations, affect revenue, and result in additional expenses.
Ketry Law Firm, LLC represents Louisiana businesses and commercial property owners in disputes involving denied, delayed, and underpaid commercial property insurance claims.
Attorney George Ketry brings 21 years of experience as an insurance adjuster to his legal practice. His background in property damage investigations, insurance estimating, and claims evaluation provides valuable insight into the technical and legal issues involved in commercial property insurance disputes.
02 / OUR SERVICES
COMMON PROBLEMS
Common Problems /
Common Commercial Property Insurance Disputes
• The insurer's repair estimate does not include all documented damage
• Repair scope or construction methods are disputed
• Material or labor pricing is challenged
• The insurer disputes the cause of the property damage
• Policy exclusions or limitations are used to deny coverage
• Depreciation significantly reduces the amount offered
• Replacement Cost Value requirements are disputed
• Building code or ordinance-related repairs are excluded
• Business income losses are disputed
• Extra expenses are reduced or denied
• The insurer delays its investigation or payment
• The amount paid is insufficient to restore the commercial property
HOW KETRY LAW HELPS
How Ketry Law Helps /
• Review of the commercial insurance policy and applicable endorsements
• Analysis of coverage limitations, exclusions, deductibles, and valuation provisions
• Review of the insurer's damage estimate and payment calculations
• Evaluation of disputed repair scope, materials, labor, and construction methods
• Review of Replacement Cost Value and Actual Cash Value calculations
• Analysis of business income and extra expense issues
• Coordination with qualified contractors, engineers, estimators, and other professionals when appropriate
• Negotiation with the insurance carrier
• Litigation when a commercial insurance dispute cannot be resolved through negotiation
Why Choose Ketry Law /
George Ketry brings 21 years of insurance-adjusting experience to commercial property insurance disputes.
His background includes property damage investigations, insurance estimating, and claim evaluation. That experience provides practical insight into how commercial property losses are investigated, documented, estimated, and evaluated by insurance companies.
Commercial claims may involve complex construction issues, specialized materials, equipment, business operations, valuation provisions, and substantial repair costs.
Ketry Law Firm evaluates both the insurance policy and the technical facts of the loss and works with qualified contractors, engineers, estimators, and other professionals when appropriate.
Important Information /
Understanding Commercial Property Insurance Coverage
Commercial property insurance policies may differ substantially from residential policies.
Coverage may depend on:
• The property that is insured
• The cause of the loss
• Policy exclusions and limitations
• Applicable deductibles
• Endorsements
• Replacement Cost Value or Actual Cash Value provisions
• Policy conditions
• Business income provisions
• Extra expense coverage
• Applicable waiting periods
• Coverage limits
• The defined period of restoration
A proper evaluation begins with the insurance policy and the specific facts surrounding the loss.
Commercial property disputes may also involve complex construction issues, specialized materials, equipment, substantial repair costs, and disagreements over the work necessary to restore the property.
Every commercial claim should therefore be evaluated based on its own policy language, damage documentation, estimates, and claim history.
COMMON QUESTIONS
Questions About
Commercial Property Insurance Claims
What types of commercial property insurance claims does Ketry Law handle?
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What happens when the insurance company's commercial property estimate is too low?
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Can a commercial property claim include business income and extra expenses?
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What is the difference between Replacement Cost Value and Actual Cash Value in a commercial claim?
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When is litigation necessary in a commercial property insurance dispute?
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Need Help With Your Legal Matter?
Speak directly with Attorney George Ketry about your situation and learn what options may be available.
