What Makes Multifamily Claims Different
Multifamily properties introduce claim dimensions that standard commercial claims don't — and that carrier adjusters are trained to minimize:
Multi-Building Scope
A single hail event can damage every roof, HVAC unit, and aluminum-clad component across a large apartment community. Carrier single-day inspections actively miss this scope.
Loss of Rents Documentation
We maintain a running log of displaced tenants, vacated units, and lost rental income from day one — creating a documented LOR claim that mirrors the actual economic impact.
Tenant Displacement & Relocation
Some policies include Additional Living Expense or relocation coverage. We identify and claim this coverage where available, documenting all relocation assistance costs.
Code Upgrade Complexity
Apartment buildings are subject to life safety codes that evolve over time. After significant damage, Ordinance or Law coverage should pay for required upgrades — we ensure this is fully claimed.
Common Claim Scenarios for NC Apartment Properties
Hail & Wind Events
A single significant hail event can damage every roof, every HVAC unit, and every aluminum-clad component of a large apartment community — generating a claim a carrier adjuster will actively minimize.
After a hail event, the insurer concluded damage was 'cosmetic only' and valued it at $10,000 — below the deductible, meaning zero payment. Globe Midwest/Adjusters International coordinated independent inspections with a roofing contractor and structural engineer, confirming damage had to be evaluated as a complete roofing system. The carrier raised its offer to $100,000, still inadequate. The PA invoked the policy's appraisal clause. Final appraisal award: $980,000 plus $110,000 in penalty interest for 24 months of carrier delay.
Carrier Delay & Process Pressure
Carriers frequently use adjuster turnover, claims transitions, and administrative delays as pressure tactics — hoping policyholders will accept an inadequate offer just to end the ordeal.
A multifamily property claim stalled when the carrier cycled through multiple adjusters and claims transitions, using process delays as pressure tactics. Insurance Claim Recovery Support (ICRS) maintained documentation continuity and drove communications throughout the delay. Result: 104% increase over the initial settlement amount, plus 20%+ supplement increases during the rebuild phase.
Flooding & Water Intrusion
Ground-floor flooding from storm surge, river flooding, or drain backup can render entire buildings uninhabitable. Documenting water category, timeline, and remediation scope is essential to maximizing recovery.
The Multifamily Claims Process with Mantis
Our process is built specifically around the complexity of multi-building residential properties:
The ROI of Hiring Mantis Claims Group
If your property insurance writes up a $500,000 loss and your public adjuster recovers $850,000 — a 70% increase — a typical 12% fee costs $102,000, leaving you with $248,000 more than you would have received without representation.
Apartment investors understand returns. Industry data shows professionals with public adjuster representation receive settlements 2–3× higher than self-handled claims. For multifamily properties, our contingency fee typically returns $3–7 in additional recovery for every $1 paid. That is the kind of ROI that makes representation not just valuable, but essential.
Apartment Damage in North Carolina?
Contact Mantis Claims Group today for a free inspection and claim review for your North Carolina apartment or multifamily property. We represent communities from 8 to 500+ units on a contingency basis — you pay nothing unless we recover more.