My commercial claim involves property damage and business interruption. Is that normal?

Very normal, and very common. A significant property loss almost always triggers multiple coverages simultaneously: the physical damage to the building or contents, the lost income while operations are suspended, extra expenses incurred to keep the business running in the meantime, and potentially ordinance and law costs for required code upgrades. Each of these is a separate coverage that needs to be documented and claimed separately. Missing one means leaving money behind. We manage all of them together so nothing gets overlooked.