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As an office building owner or operator, you have a lot of things to juggle to make sure that everything is operating smoothly. Dealing with an office building insurance claim in Fort Lauderdale is just one of those balls in the air, but it can be an especially complex one especially if it is denied. But, there are steps you can take after a denial to improve your outcome.

Understand Why Insurance Companies Might Deny an Office Business Claim in Fort Lauderdale

While some insurance claims can be denied for bad faith reasons, there are some legitimate reasons that companies deny business claims. Your claim may be denied if your business details are inaccurate or out of date, if you do not comply with the conditions put forth by your original insurance coverage plan, if you do not disclose everything about your business, if your property is underinsured, and / or if you are not transparent about previous claims.

Prepare a Response

The first step in preparing a response is to have a lawyer look at the claim denial, so that they can assess it. Doing a close read of the situation makes it easier to create an effective appeal. This is also a good time to provide any additional evidence for your claim. Such evidence may include information you did not previously disclose or new information that has come to light since your original claim.

File a Civil Action

If the response does not yield the desired results ,you can file a civil action. You may bring a bad faith lawsuit against the insurance company if the denial is made for false reasons. You may also file a tort claim, so that you can receive punitive damages. Examples of bad faith insurance claims include if an insurer does not investigate or if they do not assess the evidence accurately.

Who Else Can Help Me With my Office Building Insurance Claim in Fort Lauderdale?

Public adjusters (PAs) can help with your claim. Unlike the insurance adjuster, a public adjuster can be hired by anyone, and they work for their private client, not the insurance company. They can help you get your claim paid, and oftentimes faster and at a higher rate of compensation than going it alone. It’s best to hire a PA before your claim is denied, but it’s never too late to call!

Darryl Davis and Associates is here to help with your office building insurance claim in Fort Lauderdale. We have a lot of experience with the insurance claims process, and we would love to use that experience to help you through your situation. To make an appointment, call us at 954-709-3982 today!

If your property has been recently damaged by fire, you are probably scrambling to figure out what to do next. Here is what you need to know as you prepare to file for a fire damage insurance claim near Fort Lauderdale. 

Make Sure All Your Documents in Order Before a Fire Damage Insurance Claim Near Fort Lauderdale

As soon as the damage happens and you can safely access the area, it is vitally important that you document all the damage that occured. You should take photos and / or videos of the damaged area and any specific belongings that were damaged. Keep a log of anything that was damaged, and look for any receipts or other records related to the damages. Ideally, you would even have a list of your belongings prepared long before a disaster such as a fire.

Protect Your Property

Sometimes after a property experiences fire damage, it can become vulnerable to thieves or further damage. Besides being troublesome and frustrating, this potential risk can complicate your claim. Start by boarding up the area that was damaged, so that your property can not be infiltrated. If the property can not be inhabited by you, make sure to periodically check on it or set up some kind of monitoring system.

Get a Few Repair Estimates

Depending on your insurance, you may be required to use certain contractors to fix your property. However, this does not mean that you can not get estimates from a few different contractors to make sure that you are getting the best possible price. You can choose this to find the best option among the contractors available to you. This is especially necessary if the property that was damaged was custom built and not your typically cookie cutter house. 

You Want the Best Public Adjusters on Your Side When Filing a Fire Damage Insurance Claim Near Fort Lauderdale

If you need help with filing a fire damage insurance claim near Fort Lauderdale, Darryl Davis & Associates is here to help. Our public adjusters are experts in helping owners of single family homes, condos, townhomes, trailers, and even businesses to get the compensation they need. Make an appointment with us by calling 954-709-3982 to learn more about how you can put us to work for faster and better insurance claim payouts!

When it comes to your home or retail space, there are few things more scary than thinking that your plumbing may be in need of a major overhaul. This type of construction can be time consuming and expensive, plus it can make the building it is happening in unusable during the construction process. Part of this process may include needing to file a major plumbing damage insurance claim. Catching an issue early can make your life significantly easier. Here are some tips on how to know whether there is potential damage from your plumbing and you need to file a major plumbing damage insurance claim in Fort Myers.

1. The Scent’s the Thing

Strange smells from plumbing can have a few different causes. There are some harmless causes behind this, such as a garbage disposal that needs to be cleaned. However, sulfurous smells can have more concerning origins. This could indicate a blockage in the system, or it could suggest an issue with a sewer line.

2. Listen Up When It Comes to Major Plumbing Damage Insurance Claim in Fort Myers

If you hear odd sounds coming from your faucet this means there can be air in your pipes, which can mean something is wrong with parts of your plumbing system.

3. Water Damage

This is another issue that can end up having very benign origins. You should be concerned, however, if your drains seem chronically clogged. You may need a professional if you have tried drain-clearing methods, such as snaking or chemical solutions and the drains are still not consistently working.

4. Drainage Concerns

This is another issue that can end up having very benign origins. You should be concerned, however, if your drains seem chronically clogged. You may need a professional if you have tried drain-clearing methods such as snaking or chemical solutions and the drains are still not consistently working. 

Where Can I Get Help With My Major Plumbing Damage Insurance Claim in Fort Myers?

Darryl Davis & Associates has been helping people file claims for many years. If you are feeling overwhelmed by potential plumbing damages in Fort Myers, we are here to help make this process a bit less stressful. If you are ready to make an appointment, give us a call at 954-709-3982.

Damage to your property can be stressful, and dealing with the source of the damage and filing insurance claims can be even more difficult. You may feel as if everything is out of your hands, and you may be looking for ways to regain some control over the situation.  If you are handy, you probably want to know if you can use the money from residential building insurance claims in Miami to pay for repair work you do yourself.

Can Insurance Claim Money Be Used for Repairs That I Do Myself?

In Florida, “right to repair” provisions are common in homeowner’s insurance policies. These provisions gives the insurer control over which contractor can perform the repairs that they are paying for. As a result of these policies, homeowners can’t choose their preferred contractor or use the money to perform repairs themselves. 

In some cases, your insurance company will allow you to do your own repairs to your residential building. The insurance company will require varying levels of supervision of the repairs, depending on the severity of the damage and the company’s own policies. The simpler the work, the more likely an insurance company is to let you do the repairs yourself. You will be required to have a licence to carry out the work. 

You will also need to consider if your mortgage lender has anything to say about how repairs are done on your property. It may end up being a mortgage lender who does not allow you to do your own repairs. 

What Else Should I Consider if I Want to Do My Own Repairs?

Safety should be the main thing. Consider whether the repairs that need to be done are truly within your abilities. The next thing you should consider is cost. Assess whether the cost of you doing your own repairs will be more or less than a repair person chosen by an insurance company. Contractors often get discounts on supplies, making it more affordable in the long run.

Who Can Help Me Figure Out Residential Building Insurance Claims in Miami?

If you need help understanding the ins and outs of residential building insurance claims in Miami, the team at Darryl Davis and Associates is here to help. Our experts are experienced with these issues and any other insurance assistance you need. Call us today at 954-709-3982 to get all of your insurance claim questions finally figured out.

Protecting yourself against damages to your property can require a lot of research and consideration. No matter what type of residence you own, you will need to figure out how to handle any insurance claims that you need to make, including townhome insurance claims in Tampa. If you are thinking of buying property, maybe you are deciding between buying a condo or a townhome, and you want to know if there is a big difference in terms of how insurance works for each residence type. Here’s the scoop.

First, Here Is How Condo and Townhome Insurance Claims in Tampa Are Similar

Insurance for a condo and insurance for a townhome are more similar to each other than either is to a stand-alone house. The basic types of coverage tend to be similar for both residence types.

In both cases, you will have to consider insurance for both your own personal property as well as what insurance covers the structure of the building as covered by your condo association. Usually, you only need to buy insurance for your own unit, while your owner’s association pays for the building insurance.

So, What Is the Difference Between Condo and Condo Insurance Claims in Tampa?

Generally, the biggest difference between insurance for these two property types is that the owner of a condo is responsible for only their property within the walls of a condo, while the owner of a townhome is responsible for the ground under the townhouse and the structure of the townhome in some cases. 

Usually, a condo insurance policy is an HO-6, and townhome insurance is an HO-3. An HO-6 policy covers your personal belongings, liability, and protections if you alter the unit. When considering HO-6 policies, you should also take into account making sure that your policy is compatible with the policy held by your condo association. HO-3 insurance is the most common type of home insurance policy. With this policy, a home is protected against any perils unless they are specified as exclusions.   

Who Can Help Me With My Claim?

Whether it is condo or townhome insurance claims in Tampa that you need to file, Daryl Davis & Associates is here to help. We are experienced with all types of insurance claims in South Florida, from wind damage to fire damage and so much more. To get compensated as soon as possible, set up your appointment with us by calling 954-709-3982.

Your trailer is your home, and that means that if your trailer is damaged in a hurricane or a fire, you likely need help determining just how to file an insurance claim. The process of filing a claim can be overwhelming, given the number of details involved. Having help with filing trailer home insurance claims in West Palm Beach can go a long way towards you getting the money you need. 

What Does a Public Adjuster Do?

A public adjuster (PA) is an independent insurance agent that can help homeowners with insurance claims. They are experts in how insurance policies work, and they are able to perform an independent assessment of property loss. 

PAs can help you through the whole process, including submitting claims. Public adjusters can save you a lot of time and money in the event that you need your insurance policy to pay out.

When Do I Need a Public Adjuster for Trailer Home Insurance Claims?

In Florida, trailers are especially prone to damage due to the climate and environmental factors. This makes having insurance for your trailer very important. Potential causes of damage include storm and wind damage, structural damage, collisions and accidents, fire damage, and mold damage.

You should hire a public adjuster if you need to file a property insurance claim. This is an especially good idea if the claim is for a large amount. They know how to look for the right details about various incidents. A PA can also help you evaluate whether or not you should file a claim in the first place.

There are some cases where you think you need to hire a lawyer to settle an insurance dispute. However, often in these cases a public adjuster is who you want to hire. They are able to assess if you are owed more compensation. If it is determined that you are owed more, then you may want to hire a lawyer at that point.

Where Can I Find Someone to Help Me With Trailer Home Insurance Claims in West Palm Beach?

The PAs at Darryl Davis and Associates are here to help you with your trailer home insurance claims in West Palm Beach. We’re experienced in a number of types of cases, and we would love to help you with yours. Make an appointment by calling 954-709-3982.

Before a loss, it is imperative that you understand your insurance policy and ensure that you have the coverage you need. Is your industrial building insurance claim in Naples likely to be paid? Here are some tips to ensure that the answer is yes!

Understand Your Insurance, and Be Sure to Meet Policy Requirements When Making an Industrial Building Insurance Claim in Naples

Be sure you understand your insurance policy, and keep a copy that is easy to access in the event of a disaster.

Your policy may require that you take certain steps to prevent further damage after disaster strikes. Failure to take care of these requirements could ruin your claim eligibility. So again, understand your policy and what is required of you when you need to make a claim.

Known Whether You Have Exclusions for Cosmetic Damages 

Read your policy carefully. Does it have cosmetic damage exclusions? If it does, any damages sustained that only affect the way something looks but not the way it functions, will not be paid. Consider your policy and whether you are willing to have something, like a roof, on your business that looks damaged, even if it is still functional. 

Consider Forgoing Discounts

Some policies offer discounts for safety measures in place. For example, a sprinkler system may get you a small discount on your insurance policy. However, if it malfunctions, under some policies, your industrial building insurance claim in Naples could be denied. Consider forgoing small discounts if there is potential for your claim to be denied. 

Hire a Public Adjuster to Help Your Industrial Building Insurance Claim in Naples Be Paid Quickly With Max Payout!

Hiring a public adjuster before a disaster for a risk assessment and to help you choose the right insurance coverage for your property. After a disaster, a public adjuster works for you to get your industrial building insurance claims in Naples paid quickly and completely.

Need an experienced public adjuster for risk assessment or help with claims? Darryl Davis and Associates is ready to assist you. Our industry professionals have the experience you need to find the right policy, understand risk, and if need be, handle all aspects of a claim so you get the best compensation. Call us today to find out more at 954-709-3982!

Flooding doesn’t always end with water damage. Mold growth and the resulting damage can further devastate a property over time. During flooding, water seeps into hidden places and all that trapped moisture weakens the structure and allows mold to grow. After a water leak or flooding, you need to take steps to keep away hidden moisture and growth of mold within 48 hours. Here’s how to prevent mold damage.

1. Clean Up Water to Help Prevent Mold Growth

Hire a professional to deal with potentially contaminated water. Removing all the water quickly is key to prevent further structural damage and to prevent growth of mold.

2. Remove Wet Carpet and Drywall

Mold begins to grow within a day or two after flooding. Wet carpet holds moisture and traps moisture in the subflooring and concrete below. Remove affected carpet and rugs as soon as possible. Rugs may be able to be dried outdoors. Remove damp drywall and subfloor to prevent growth of mold in and behind the materials.

3. Dry Completely and Dehumidify

A complete dry out is necessary to stop mold growth. Your professionals should mop up any water that wasn’t vacuumed up during the initial water cleanup. Industrial fans should also be used to speed up drying. Humidity should also be measured and dehumidifiers used to assist with the drying out process.

4. Sanitize the Space

Flood water may be contaminated. It’s essential to completely sanitize the space. Do not use bleach. Bleach is most effective on surfaces that are already clean, so it’s not the best choice. A cleaning solution should be used that eliminates both bacteria and mold. 

5. Make Sure Your Property Is Draining Effectively to Prevent Mold Growth

Ensure that additional water won’t seep out anywhere. Make sure drainage is working properly. Look for signs of standing water or moisture. Downspouts should extend 6 feet away from the perimeter. Land should also slope away from your foundation to prevent water collecting at the foundation.

Need Help With a Flooding Insurance Claim?

Prevent mold growth and get faster, more complete compensation when you hire a public adjuster to handle your flooding insurance claim. At Darryl Davis and Associates, our team of professional public adjusters is ready to help you with your claim after a disaster. Call us today at 954-709-3982 to book a consultation in Fort Myers or other South Florida area!

Getting an industry professional on your side helps you during a crisis. If your commercial building is struck by disaster, hiring a public adjuster gets you better compensation and faster too. Not sure if you need a public adjuster? Here’s when to contact one for your commercial building insurance claims near Tampa.

Hire a Commercial Building Insurance Claims in Tampa When It’s Not Business as Usual

If the property isn’t open for business as usual, your bottom line is being impacted. Get your claim resolved faster by hiring a public adjuster. They can also help you get compensation for the impact to your bottom line if you have business interruption insurance.

When You Need Help With Your Claim to Get It Paid Faster and at a Higher Payout

A public adjuster helps ensure that the claim is complete and submitted right the first time. Overall, it means faster compensation for you. No claim is too complicated for a professional, as they have the experience you need to get the most out of your claim.

A public adjuster handles the claim for you and uses their industry experience to help negotiate a better deal. They work with your insurance company and keep you in the loop. Often, they uncover additional compensation you’re entitled to, such as smoke damage or mold damage that may go unnoticed.

When You Need an Independent Investigation for Your Commercial Building Insurance Claims Near Tampa

Hiring an independent investigator is to your benefit in some cases. Get advice from your public adjuster, and let them facilitate the investigation for you, freeing you up to focus on your business.

When the Insurance Company Gives You a Low Offer

The initial offer by the insurance company is negotiable, but it’s essential to have the right evidence to back up your claim if you want to negotiate. If you think the initial offer is too low, hiring a public adjuster helps get you the additional support you need to negotiate a higher offer. 

Know Where to Find a Public Adjuster Before You Need One

The public adjusters at Darryl Davis and Associates are ready to assist with commercial building insurance claims near Tampa. If you own commercial property, keep our contact information at the ready, so you’re always prepared. Want to be even more proactive? Contact us for a risk assessment to get a better understanding of the risks associated with your business property. Call us today at 954-709-3982!

Before the next big storm, taking steps to prepare ahead of time is essential to helping protect your investment. Here’s what you need to do to prepare for a hurricane to help minimize damage from winds and other storm-related concerns.

Understand Your Risk

It’s important to understand how your home’s location affects your risk. Is your home in a hurricane evacuation area? Find out before a storm strikes by checking the NOAA website. If you need assistance with understanding risk to your home, hiring a public adjuster for a risk assessment gives you detailed information not only about hurricane risk, but other risks as well.

Gather Emergency Supplies to Help Prepare for a Hurricane

Be ready by gathering supplies early before stores sell out. Make sure you have flashlights, batteries, a radio that is either battery powered or crankable, food and water for several days for each person, sheets of plastic and duct tape, first aid supplies and medications, basic tools, masks to keep out dust and debris, and cell phones with a battery charger, as well as anything else you may need.

Prepare Your Home to Minimize Damage

Keeping trees trimmed around your home helps decrease chances of dead limbs or broken branches damaging your home. Have the materials you need to protect your windows from breaking. Many homeowners board up windows to reduce shattering. When a storm is imminent, bring in objects that might blow over or blow against structures and do damage. Things like planters, garbage cans, and patio furniture should be secured. Park vehicles inside a garage for better protection.

Consider Your Insurance Policy to Help Prepare for a Hurricane

Be familiar with your property insurance policy, so you’ll know what is covered and what steps you are required to take to prepare your property before a storm so that any damage will be covered. If you need additional coverage, add it before the storm. Flood insurance is important because flooding is one main cause of damage during hurricane season. 

Get Professional Assistance With Your Insurance Claim

Don’t go it alone – hire a public adjuster in Fort Myers / South Florida to handle your insurance claim after damage from a storm. The adjusters at Darryl Davis and Associates help you get faster, more complete compensation, so you can move foward after a disaster. Call us today at 954-709-3982.