• 11 minutes

Issues In Submitting A Commercial Property Insurance Claim


It is vital that you understand the provisions of your insurance policy and make every reasonable effort to comply with them.

The first thing you need to be aware of is the notice, proof of loss and cooperation provisions. Insurance companies are entitled to be notified as soon as possible of the loss so that they can get involved and start adjusting it. They also require the insurer to fill out proof of loss forms to itemize the loss and to describe the value of the loss. They also require the policy holder to cooperate with the insurer in adjusting the loss. These provisions typically are construed as conditions proceeded to coverage. If you fail to comply you might forfeit the coverage. 

Runtime: 10 minutes



Paul Walker-Bright

Paul Walker-Bright

Reed Smith LLP

  • Partner in the Chicago office of Reed Smith, LLP in the Insurance Recovery Group, named by US News – Best Lawyers as the Law Firm of the Year for Insurance Law in 2017
  • Ranked in Chambers USA: America’s Leading Lawyers for Business (2007-2017) in Insurance Recovery
  • Co-chair of the Property Insurance Subcommittee of the Insurance Coverage Litigation Committee of the American Bar Association Section of Litigation
  • Co-author of Chapter 45 of NEW APPLEMAN ON INSURANCE LAW LIBRARY EDITION: & “Additional and Supplemental Coverages”
  • Represents and advises a large retail company and a major oil and gas company on all aspects of their insurance coverage programs, including first-party property insurance

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