Commercial Water Damage
If the water leak happened sudden and unexpected, and if the leak began inside your business, it should be covered under property and casualty insurance. If your water damage happened outside the business (due to rising water from a creek, river or accumulated from rapid rainfall or storm surge), then you would need flood insurance in most cases. The best way to tell for sure is to call your insurance agent.
There is no way of giving a business owner and exact price for work done, due every building being unique, and every business has different types of flooring, walls, furnishings and etc. The insurance deductible is the portion of the loss for which you are responsible. Most insurance companies pay for all restoration costs, less the deductible.
At ASE, we use a software price guide that is approved by insurance companies worldwide, so you do not have to worry about over-pricing. Our staff is eager to work with you on your deductible to make it affordable.
The building owner, or someone you designate, is the only authority on who works on your building. Although your insurance policy has certain requirements, they cannot designate who does the repair unless you, the business\building owner give permission. ASE works for you, not the insurance.