Replacement cost coverage is usually the better option for most commercial property owners because it's designed to pay the cost to repair or rebuild with materials of similar kind and quality—without deducting for depreciation (subject to policy terms). Actual cash value (ACV) factors in depreciation, which can result in a much lower claim payment, especially for older roofs, HVAC systems, or buildings. While ACV policies are typically cheaper, they can leave you paying a large portion out of pocket after a loss. We help you weigh the premium difference against the real financial impact at claim time so you can choose what truly fits your risk tolerance.

Typically when a loan is still attached to the property, RCV is required by lenders.

Business income or rental value coverage can help replace lost income if your property becomes partially or fully unusable due to a covered property loss (like fire or storm damage). For apartment complexes and shopping centers, this may help replace lost rent while repairs are being made; for warehouses or owner-occupied buildings, it can help cover lost revenue and certain ongoing expenses. Coverage is typically triggered only when the shutdown is tied to a covered peril, and limits are based on projected income—so getting the numbers right upfront is critical.

The goal isn't just to lower premium—it's to lower it smartly. Common strategies include choosing the right deductible structure (especially for wind/hail), ensuring building values are accurate (not overstated or understated), improving risk controls like roof maintenance and security, and tailoring coverage to how the property is actually used. We review your property details, loss history, and carrier options to find savings without sacrificing protection where it matters most.

Many commercial property policies—especially in Texas—use separate wind or hail deductibles that are higher than the all-other-perils deductible. These may be a percentage of the building value rather than a flat dollar amount, which can significantly increase out-of-pocket costs after a storm. We help you understand how these deductibles apply, model potential claim scenarios, and choose options that balance premium savings with realistic risk tolerance.