Business Burglary Claim | Paramount Public Adjusters — Maximize Settlements, Protect What Matters Most

Smash-and-Grab Incidents – Quick, high-impact burglaries where storefront windows, glass doors, or metal roll-up gates are smashed for immediate entry. These events often leave behind shattered glass, damaged display fixtures, scattered merchandise, and compromised flooring. We ensure your claim covers full structural repairs, inventory loss, and necessary security upgrades.

After-Hours Break-Ins – Burglaries that occur when the business is closed, often targeting cash drawers, safes, registers, and high-value inventory. Thieves may pry open rear service doors, disable alarms, or damage entry hardware. We document all forced entry points and calculate the value of stolen assets, ensuring both property and income losses are included in your claim.

Organized Crew Thefts – Coordinated break-ins where multiple locations are hit in a single night by professional crews. These burglars often disable security systems, cut power, and systematically remove valuable goods such as electronics, liquor, or controlled substances. We prepare claims that account for multi-location damages, inventory shortages, and the cost of restoring security systems.

Rooftop or Side Entry Burglaries – Professional break-ins involving entry through rooftops, side walls, or hidden service access points to bypass front entrances and security measures. This can result in structural damage to roofs, ceilings, or sidewalls in addition to stolen merchandise. We document all physical damage, from the breach point to the interior areas affected, ensuring comprehensive claim coverage.

Retail Stores – We represent clothing boutiques, electronics shops, home goods outlets, and specialty retailers that often experience significant losses during a burglary. These incidents can result in stolen inventory, damaged display fixtures, broken point-of-sale systems, and harm to the store’s reputation and customer trust. We ensure your claim accounts for both the tangible losses and the operational impact on your business.

Service-Based Businesses – Nail salons, barber shops, pet grooming facilities, laundromats, and other service businesses often hold valuable tools, specialized equipment, and cash on-site, making them prime burglary targets. Break-ins can lead to costly tool replacement, destruction of workstations, and interruption of daily operations, all of which we document and include in your claim for full recovery.

Food & Beverage Establishments – Taco shops, liquor stores, restaurants, cafes, and bakeries frequently face losses from smashed windows, stolen registers, damaged refrigeration units, and missing food or beverage inventory. In addition to repairing the physical damage, we make sure your claim covers perishable inventory loss, equipment replacement, and the lost income from downtime.

Professional & Healthcare Offices – Pharmacies, dental clinics, medical practices, and wellness centers are often targeted for high-value or regulated items like controlled substances, pharmaceuticals, and specialized medical devices. Burglars may also damage cabinetry, shelving, and secure storage areas. We ensure every affected asset — from medications to expensive diagnostic equipment — is documented and valued accurately for your claim.

Damage Documentation – Our team responds quickly to conduct a detailed, methodical inspection immediately after the burglary. We capture high-resolution, date-stamped photographs and Matterport 360° imaging to document every point of damage. This includes forced entry areas such as shattered glass, bent doors, splintered frames, damaged locks, and broken display cases. We also record flooring, shelving, and ceiling damage, along with secondary impacts like water intrusion through broken windows or structural compromise from rooftop access. Any tampering with security systems, such as cut alarm wiring or destroyed keypads, is also documented to ensure all related repair costs are included in your claim.

Inventory & Asset Valuation – We create a precise, itemized list of every stolen or damaged asset, including retail merchandise, electronics, cash, tools, and specialized equipment. Replacement costs are researched using current market values and industry-standard valuation methods to ensure accuracy. For high-value or specialized items such as medical devices, refrigeration units, or custom-built fixtures, we work with experts to determine exact replacement pricing. We also include perishable inventory losses from compromised refrigeration, ensuring nothing is overlooked and the insurance company cannot undervalue your claim.

Full Repair Estimates – Using Xactimate, the industry’s most recognized estimating software, we prepare detailed, line-by-line repair estimates that account for all damages. This can include storefront glass replacement, door and lock repairs, flooring restoration, shelving and cabinetry replacement, signage repair, and structural work. We also include labor, materials, and any required security upgrades. Every cost is supported by photographic evidence and proper documentation, minimizing opportunities for the carrier to challenge or reduce your payout.

Business Interruption Assessment – We evaluate the full financial impact of the burglary, including lost revenue, extra expenses, and operational downtime. For restaurants, this may involve calculating losses from spoiled food and canceled orders; for retail, missed sales during closure; and for medical offices, canceled appointments and rescheduling costs. By fully documenting and supporting these losses, we help you maximize Business Interruption coverage so you’re compensated for both physical damage and the financial harm to your business operations.

Structural Damage – Forced entry can cause serious harm to the building itself, including shattered storefront glass, bent metal roll-up doors, splintered door jambs, pried locks, and cracked walls from impact. Rooftop or side-wall entries may leave holes, torn roof membranes, and compromised supports. We document all structural issues and prepare repair estimates so they’re fully covered by your claim.

Fixtures and Display Damage – Shelving units, display cases, counters, and storage racks are often broken or overturned during a burglary. Thieves may smash glass cases, destroy cabinetry, or dismantle fixtures to access valuables. Our documentation ensures the replacement or repair of every damaged fixture is included in your settlement.

Equipment and Technology Loss – Burglars frequently target or damage point-of-sale systems, computers, surveillance equipment, kitchen appliances, and specialized machinery. Even if not stolen, equipment can be rendered inoperable due to impact damage, electrical issues, or water intrusion from broken windows. We ensure all losses are properly valued.

Inventory Loss – Retail stock, liquor and food supplies, medical devices, pharmaceuticals, and specialty merchandise are common burglary targets. We calculate precise replacement costs using accurate market values and include perishable goods lost due to compromised refrigeration.

Security System Compromise – Many break-ins involve disabling or damaging alarms, cutting security camera wires, or breaking motion sensors and keypads. We include the cost to repair or upgrade these systems to restore full protection and functionality.

Secondary Damage – Burglary incidents often cause indirect damage, such as rainwater entering through broken windows or doors, debris damage from forced entry, or mold growth if water intrusion isn’t addressed. We document these losses so they are not excluded from coverage.

Business Interruption – Lost income from closure or reduced operations is a major but often overlooked damage category. Whether it’s a shop missing daily sales, a restaurant unable to operate, or a medical office canceling appointments, we calculate the exact revenue loss and related expenses for full compensation.