A tree falls onto the commercial building during a storm, causing damage. Under A.R.S. §20-461, Phoenix businesses have 2 years to pursue underpaid claims. 2-year bad faith SOL; punitive damages available.
Upload your Arizona commercial policy. Get an instant breakdown citing your exact policy sections.
Get Free Analysis →Under A.R.S. §20-461, Phoenix businesses generally have 2 years from the date of loss to pursue a bad faith action. Your policy may also require prompt notice (typically 30–60 days) and a sworn proof of loss within a shorter window. 2-year bad faith SOL; punitive damages available. Consult a licensed Arizona attorney for your specific timeline.
1) Ensure safety and contact emergency services if needed. 2) Photograph and video all damage before any cleanup. 3) Notify your insurer promptly — late notice can be used to contest coverage. 4) Preserve all damaged property until your adjuster inspects it. 5) Keep all receipts for emergency mitigation, repairs, and any temporary relocation costs.
Yes — common denial reasons for fallen tree claims include: Tree on your property that was dead or diseased and neglected.. If your claim is denied, request the specific policy provision in writing. Under A.R.S. §20-461, insurers must provide a written explanation citing the exact exclusion. You have the right to dispute any denial.