What event triggered Gail to utilize her commercial property insurance?

Utilizing commercial property insurance typically arises from events that cause physical damage to the insured property. A hurricane is a significant natural disaster that can lead to extensive damages, which is precisely what commercial property insurance is designed to cover. Commercial property insurance policies often specifically include coverage for damage resulting from hurricanes, provided that the premiums have been paid and that any applicable deductibles or policy limits are observed. The impact of hurricanes often necessitates claims that involve extensive repairs and rebuilding efforts, making this event a common reason for policyholders to file claims under their commercial property insurance.

In contrast, while flooding, theft, and fire are also covered risks under many commercial property policies, the context or specific coverage in Gail's scenario would suggest that a hurricane is the event that prompted her to leverage her insurance. In many cases, theft may fall under liability or additional crime coverage, and fire could be mitigated by different fire insurance or necessity coverage. Flooding can also be a complex issue, often needing separate flood insurance, particularly in regions prone to hurricanes, which may lead to flooding issues. Thus, focusing on hurricanes underscores the comprehensive nature of the commercial property insurance to address both wind damage and subsequent flooding occasions that arise in their wake.