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Single Family Home Insurance Claim Naples FL

Can I Do My Own Repairs for Single Family Home Insurance Claims in Naples?

After damage from a fire, tropical storm, or other disaster, you’ll likely file a home insurance claim. You may be wondering if you can save money and do the repairs yourself. In many cases, you can, but in Florida, it’s complicated. Here are some things to consider if you’re wondering, “Can I do my own repairs for single family home insurance claims in Naples?”

Florida Allows for Right to Repair Clause

A Right to Repair clause is not very consumer-friendly, giving your insurance company the right to repair your property instead of giving you a payment to arrange for the repairs yourself. When shopping for insurance coverage, watch for this clause and be aware of what’s in your policy. If you’re making a claim, you should understand how it affects your repairs.

Know Your Policy

Aside from the right to repair clauses, some policies won’t pay out directly to you. Your policy may ask that you provide the name of the contractor and the check is made out to pay the contractor for the repairs. It’s important to understand your policy when it comes to single family home insurance claims in Naples.

Understand the Risks of Doing It Yourself

You’ve got the payment in hand, and now you’re trying to decide between hiring a contractor or doing your own repairs. Even if you’re handy, doing it yourself isn’t without risk.

 First, improper repair of damages may lead to additional issues over time, and a new claim resulting from improperly repairing the initial damage yourself may be denied. Additionally, hiring insured contractors means that if something is broken during the repairs or if an injury is sustained, they have insurance to cover themselves. Not so if you’re doing the work yourself.

Need Help With Single Family Home Insurance Claims in Naples? Hire a Public Adjuster!

A public adjuster (PA) is an industry professional working on your side to help you get the most out of your claim. A PA  helps you understand your policy and handles the aspects of your claim, so you get your best results.

The PAs at Darryl Davis and Associates are ready to assist you with the details of your policy and help you navigate the claims process. Hire a pro for your single family home insurance claims in Naples – call us today at 954-709-3982!

Water Damage from Plumbing

5 Warning Signs Your Pipes Might Fail and Cause Water Damage, Causing You to File an Insurance Claim

Water damage and the resulting mold from plumbing failures are one of the leading causes of insurance claims. It’s important to be sure your policy covers your property, so be sure that you understand your coverage before you ever have to make a claim. Just as importantly, pay attention, as some plumbing issues can be avoided. Here are five warning signs your pipes in your plumbing are going to fail and cause water damage.

#1: Low Water Pressure

Keep an eye out for changes in water pressure throughout your home. Low water pressure may be the sign of a leak either in the water line or even in your water heater. If you notice water pressure changes, get the issue fixed before a plumbing emergency.

#2: Signs of Leaks

Sometimes major leaks begin with slow leaks. Take a tour of your visible pipes, especially where they join. Discolored pipes may point to an issue. Moisture on the pipes is a big indicator of a potential problem that could become an even bigger problem if left unrepaired.

#3: Sluggish Drains

If your water is draining slowly, check all your drains. If it’s just one drain, it may be a simple repair. Sluggish drains throughout the home may be a symptom of a larger problem in the sewer line. Before a back up, have your drains inspected by a professional plumber.

#4: Problems With Floors or Ceilings and Walls

Leaks may affect the floors, walls, or ceilings of your home. Bubbling, peeling, or staining of the paint on the walls or ceilings are a sign of a growing plumbing problem. Floors around toilets or other plumbing fixtures may soften in the presence of water.

#5: A Jump in Your Water Bill

Surprised by a big increase in your water bill? Unless you recently filled your pool, a change is worthy of investigation. A continual leak or a running toilet may be responsible. Get it in check before it becomes a bigger issue.

Serious Water Damage? Get Help With Your Insurance Claim From Our Public Adjusters!

Hire a pro to help you handle your insurance claim, so you get the compensation you’re entitled to as quickly as possible. Call Darryl Davis and Associates and get a public adjuster on your side. For a consultation in West Palm Beach or other nearby community, contact us at 954-709-3982!

Fire Damage Insurance Claims Naples

Is Your Fire Damage Insurance Claim in Naples Likely to Be Paid?

When facing a fire damage insurance claim, if the property wasn’t a total loss, you probably have a lot of questions. Of course, you want to get fire or smoke damage repaired and personal property replaced as quickly as possible, but you don’t know much about the claims process. If you’re wondering if your fire damage insurance claim in Naples is likely to be paid, here are some things to keep in mind to increase likelihood of a quick and full payment.

When It’s Safe to Do So, Take Steps to Minimize Further Loss

When the fire is out and it’s safe, most policies require that you take steps if possible to make sure the property isn’t subjected to further damage. This may mean tarping areas exposed to the elements, boarding broken windows, and shutting off the water to prevent additional water damage, as well as other reasonable measures.

File Your Fire Damage Insurance Claim in Naples With Your Insurance Company Quickly

Reporting the loss quickly is key to getting your claim taken care of in a timely fashion. So, don’t wait – contact your insurance company as soon as possible to let them know of the fire damage.

Continue Paying Your Insurance Premiums

Skipping payments after your fire damage insurance claim in Naples is a mistake. Even though you may not be living in the home, continue paying the premiums to be sure you continue your coverage.

Consider a Professional Inspection to Uncover All Damages

A qualified inspector may find hidden damages from smoke, moisture, and mold. They know what to look for when inspecting your roof, foundation, windows and systems. Some damages may not be as obvious, but these professionals are trained to find warped windows that may let in moisture, damaged plumbing and more.

Hire a Public Adjuster

A public adjuster (PA) works on your side to navigate the claims process with your insurance company, so you’ll get the maximum payment as quickly as possible. Using their industry expertise, they help ensure the process goes smoothly and that you’re paid on time to the fullest amount you deserve.

Get Professional Assistance for Your Fire Damage Insurance Claim in Naples Today

At Darryl Davis and Associates, our team of public adjusters serving Naples has the experience you need to guide you through the claims process. We’ve helped many home owners during this stressful time and work hard for you! Call us today at 954-709-3982 for a consultation with one of our PAs in South Florida!

Insurance Claim Townhouse West Palm Beach

What to Do If Your Townhome Insurance Claim in West Palm Beach Is Denied

After a disaster, you expect your insurance to pay your claim. If your claim is denied, take action! You have the right to appeal or even take other action. Here’s what to do if your townhome insurance claim in West Palm Beach is denied.

Understand Your Insurance Policy

Know what is covered under your policy, so that if an error is made you can point it out and back up your position. Always keep a copy of your policy easy to access in the event of a disaster.

Get More Information About Why the Townhome Insurance Claim in West Palm Beach Was Denied

Follow up with your insurance company to get detailed answers to understand why your initial claim was denied. Most companies send a denial letter so you’ll have it in writing, but it helps to call and get clarification.

Consider an Independent Appraisal

If you disagree with the initial appraisal of the damages and property valuation, most policies allow you to hire your own independent appraiser.

Make an Appeal

Don’t settle, file an appeal. Provide any further documentation, such as photos of the damages, receipts, and proof of steps taken to prevent property damage. Some claims are denied due to property owner negligence, so be prepared with documentation showing otherwise. Always keep receipts for updates made that keep the property up to specs and ensure safety, like security alarms and smoke detectors.

Hire a Public Adjuster for Your Townhome Insurance Claim in West Palm Beach

Having your own public adjuster (PA) working on your townhome insurance claims in West Palm Beach impacts the outcome of your claim. A PA results in better and faster compensation because these industry professionals understand the process and know how to provide accurate and detailed information so the claim is done right. If your claim is denied, hire a professional to handle your appeal and guide you through the process.

Our Professionals Work Hard For You

Hire the public adjusters at Darryl Davis and Associates for your townhome claim in West Palm Beach. We’ll handle your initial claim or appeal if a claim has been denied so you’ll get the compensation you deserve. For a consultation, call us today at 954-709-3982.

Commercial Building Insurance Claim Tampa

When to Contact a Public Adjuster for Your Commercial Building Insurance Claims in Tampa

When disaster strikes your commercial building, do you have the time and expertise to get the most out of your claim? While you can go it alone, a public adjuster helps navigate the complicated process of commercial building claims. You’ll get faster and more complete compensation, while you focus on your business. Here’s when to hire a public adjuster (PA) for your commercial building insurance claims in Tampa.

Get Help With Your Commercial Building Insurance Claims in Tampa When Business Cannot Continue

If the building is unusable and business is disrupted, you may be entitled to a payout from your business interruption insurance. Getting it paid though can be tricky. Hire a public adjuster to help make the claim properly, so you get income and expenses paid.

You Need to Get Your Commercial Business Back Up and Running Quickly

Hiring a PA typically speeds up the claims process and results in better compensation, so you can get your business running smoothlyagain.

You Need to Dispute a Low Offer

Insurance companies sometimes offer compensation that is too low, but hiring a public adjuster helps dispute the low offer to seek better compensation. A public adjuster is an industry professional that knows how to provide the proper documentation and dispute low offers.

You Need an Independent Investigation

If you need an investigation, a PA helps facilitate it, as well as prepare you to talk to your insurance company. Your public adjuster helps determine issues ahead of time so you’ll have the answers you need.

You Want Assistance With Negotiations for Your Commercial Building Insurance Claims in Tampa

A PA is equipped with the knowledge you need to get the most out of negotiations efforts. They can identify complicated coverage issues and assist with claims for other, less obvious damages like those from smoke and mold. 

Hire a Professional Public Adjuster to Help Your Claim Go Quickly and Smoothly

When you’re faced with complicated commercial building insurance claims in Tampa, the public adjusters at Darryl Davis and Associates are here for you. Don’t go it alone. We have the years of experience you need to get the most out of your claim and get the compensation you deserve. Call us today for a free consultation at 954-709-3982.

Major Plumbing Damage Insurance Claim Miami

Your Quick Guide to Major Plumbing Damage Insurance Claims in Miami

Water damage and the mold growth resulting from it are major causes of insurance claims. Make sure you have insurance policies in place that cover water damage from plumbing issues, so you’ll be covered in the event of a disaster. Here’s a quick guide to major plumbing damage insurance claims in Miami.

Common Causes of Plumbing Damage

Your insurance covers different kinds of water damage, depending on where the damaging water comes from, so be sure your policy covers all types. Plumbing damage occurs when water is accidentally leaked within the home from an overflow or a busted pipe. It can also come from problems outside the home, like a backed-up sewer system.

What to Do If You Need to File Major Plumbing Damage Insurance Claims in Miami

As soon as possible, contact your insurance company to let them know about the damage. Do what you can to prevent further destruction, such as hiring a water damage remediation company to help prevent further damage and do clean up. Take pictures, and make a list of all the items damaged from the water. Work with your insurance company to file a claim. Be sure to save receipts.

Be Prepared

Understand your insurance policy ahead of time. Keep a copy of the policy on hand, so you can refer to it as needed. Always keep a detailed inventory of your belongings as well as receipts.

Hire A Public Adjuster for Your Major Plumbing Damage Insurance Claims in Miami

Plumbing damage insurance claims in Miami can be tricky, because not all types of damages are covered. Get your questions answered and get assistance from a public adjuster (PA), an industry professional who knows the ins and outs of insurance claims to help you get faster and more complete compensation for your loss.


At Darryl Davis and Associates, we handle your claim and stay in contact with you and your insurance company to be sure all aspects of the claim are handled properly. Our experienced public adjusters are ready to help you get the most out of your plumbing damage insurance claims in Miami. Call us for a complimentary consultation today at 954-709-3982!

Wind Damage Claims

5 Hurricane Season Prep Tips to Help Get Ready for Storms & Avoid Wind Damage Insurance Claims

Damaging wind and rains from hurricanes result in many claims each year. Be prepared this season to help reduce impact from devastating storms. Here are 5 hurricane season prep tips to help you avoid wind damage insurance claims.

1. Protect Your Home to Help Avoid Wind Damage Insurance Claims

Take steps to minimize wind damage insurance claims by making a few changes outdoors. When hurricane winds blow, gravel and rock used in landscaping can cause extensive damage. So, switch to lighter materials like mulch. Trim trees, and remove dead ones that may fall on homes or vehicles when the winds blow. Replace doors and windows with hurricane-proof materials whenever possible.

2. Plan Your Hurricane Evacuation Route

Knowing your route ahead of time and the locations of hurricane shelters make it much easier when the need arises. Be prepared.

3. Update Your Documentation

Keep records of your personal property, including receipts and pictures. If you’ve added any new purchases since you last made a list, be sure to add it. A detailed inventory makes it easier to file in the event of mold and wind damage insurance claims.

4. Gather Repair Materials and Tools

You’ll minimize loss by having the right materials on hand to limit further damage. Keep things like heavy tarps, plywood, hammers, wrenches, and other basic tools. 

Being able to add a tarp or make basic repairs as soon as it is safe can help keep more damage from occurring, especially water damage and mold damage. Your policy may even require you to take these steps right after a storm.

5. Brush Up on Your Insurance Policy

Have you read through your insurance policy lately? Make sure you understand it, especially your obligations after a loss. Also, be sure your coverage is adequate to repair or replace your belongings and your home or business after an event. 

Should you need a place to stay, does your insurance cover that as well? Now’s the time to read up on all the details, make changes if needed, and be prepared.

Need Help With Hurricane / Wind Damage Insurance Claims?

Hire a public adjuster to help you resolve claims quickly and effectively. The public adjusters at Darryl Davis and Associates work on your side to handle your claim. With professional industry experience, we’ve helped many home and business owners maximize their payout, and we’re ready to help you with single family home claims, condo claims, or other concerns. Call us today for a complimentary consultation at 954-709-3982!

Public Adjusters Fort Myers

What’s the Difference Between an Independent Adjuster and a Public Adjuster Near Fort Myers?

If you’ve made an insurance claim and nothing seems to be happening, or you need to make a claim but don’t know where to start, you need a public adjuster near Fort Myers. Your public adjuster will help handle everything from start to finish. This is not to be confused with an independent adjuster, as they are very different from each other. So, just what exactly is an independent adjuster, and what is a public adjuster?

What Exactly Does a Public Adjuster Near Fort Myers Do?

A public adjuster is hired by the policyholder and works solely for them. They handle everything, including negotiating how much you’ll get out of your claim. If you’ve recently made an insurance claim, they will walk you through the rest of the process. If you have a claim that needs to be made, they will help you get everything ready and they will help settle your claim.

Public adjusters are hired directly by the policyholder, not by the insurance company or a third party. They are there to help you 100% to make your claims process fair and quick. They will help you document, file, and prepare everything you need for the maximum benefit.  

Okay, So What Is an Independent Adjuster?

An independent adjuster helps settle the claim for the insurance company. They are not hired directly by the insurer, as they work for a third party. This means that your insurance company has hired someone to do the work on their behalf. Basically, they do the same thing as a public adjuster, but for the opposite party. Independent adjusters cannot be hired by the insured party. 

I Have a Claim. Do I Need a Public Adjuster?

A public adjuster near Fort Myers can help you get the results you need from your claim. They will work to get the most out of the insurance company as quickly as possible. They will review your policy and see what needs to be done. Contact us today at 954-709-3982 for a consultation with one of our public adjusters and get on track to getting what you deserve out of your claim.

Homeowners Insurance Claim Tampa

4 Tips for Avoiding Common Summertime Homeowners Insurance Claims in Tampa

Florida enjoys beautiful weather year-round, so it’s key to watch out for these common issues all year long. Summertime though draws us to enjoy the outdoors even more, so be especially vigilant this time of year. Here are some tips to stay safe this summer and avoid common summertime homeowners insurance claims in Tampa.

1. Be Safe With Outdoor Kitchens and Grills to Help Avoid Homeowners Insurance Claims in Tampa

When choosing an outdoor cooking spot, be sure to keep flames away from flammables like outdoor curtains, furniture, and more. Equip your cooking space with a working fire extinguisher. And if you’re using charcoal, be sure to extinguish it when you’re finished cooking. Just like indoors, never leave your cooking food unattended. Be aware of kids and pets, and make sure everyone stays a safe distance away while you’re cooking and until the grill or outdoor oven cools down.

2. Enjoy Your Firepit Safely If You Want to Brave a Fire in the Florida Heat

Gathering around an outdoor fire brings families and friends together. Again, be sure you’re enjoying the fire safely and watching children and pets. Never leave a fire unattended, and extinguish it completely when you are done. Keep a fire extinguisher on hand. Remember, sugar burns hot, so watch kids closely while making S’mores. 

3. Be Safe on the Boat

With many enjoying the water, it’s important to ensure your boat is safe and be aware of all the other boaters around you, too. Boating accidents happen, and drowning is the most common cause of death because many do not wear life jackets. Stay safe on your boat and avoid boating insurance claims in Tampa.

  • Make sure everyone wears a lifejacket.
  • Learn about boating safety.
  • Ensure your boat is in proper working order.

4. Learn About Pool Safety

Pools require extra vigilance. Home drownings are common. It’s imperative to lock your gate around your pool at all times to keep people safe, especially children who may seek the pool or accidentally fall in. Keep safety floatation devices easily accessible, and be sure everyone you invite to enjoy your pool knows how to swim.

Need Help With Homeowners Insurance Claims in Tampa?

Accidents happen, even with our best intentions and precautions. At Darryl Davis and Associates, we understand the stress of dealing with insurance claims and work hard to help you during this time. Hiring a residential public adjuster gives you a professional on your side to handle all aspects of your claim. For a free consultation, call us today at 954-709-3982.

Commercial Building Insurance Claim Palm Beach

Commercial Building Insurance Claims in West Palm Beach – Are You Covered?

If you own a commercial building, making sure the property stays in business is always a priority. Damages that keep business from running as usual are expensive and detrimental. In the event of commercial building insurance claims in West Palm Beach, it’s important to have the right coverage. Here are some things to consider about commercial building insurance.

Make Sure Costs of Working Are Covered

In the event of loss of use, does your insurance plan allow your business to continue running? If the business can’t run due to building damage and you need to set up in another location, make sure your policy covers the costs necessary.

Insure the Commercial Building AND Exterior Assets

Of course you want your policy to cover the physical building, but also consider fences, outbuildings, parking, signage, and more. Be sure your policy covers your entire property – building and all exterior assets – so that in the event of a commercial building insurance claim, you’ve got the coverage you need to get the property up and running again.

Adequate Coverage of the Contents Is Essential

Talk to your insurance provider to understand the coverage of the contents of the commercial building. Any claims should cover the entire contents including furnishing, build outs, technology, products, and potentially even assets not located on the physical property. 

Don’t Forget to Add Flood Coverage, So Commercial Building Insurance Claims Are Covered in the Event of Water Damage

For flooding due to storms, high waters or busted pipes, be sure your policy has the proper flood coverage. Not all policies cover flooding specifically, so before you need to file a commercial building insurance claim in West Palm Beach, make sure you have adequate insurance to cover water damages.

Hire a Public Adjuster

Navigating the claims process is complicated, especially when you’re trying to keep your business going after a loss. Hiring a public adjuster means having a pro on your side to handle all aspects of your commercial building claim. A public adjuster gets your claim paid faster and typically means you’ll get more resources to get the business back up and running.

Need Help with Commercial Building Insurance Claims in West Palm Beach?

Call the professional public adjusters at Darryl Davis and Associates. If you need assistance with commercial building insurance claims in West Palm Beach, call us for a free consultation today at 954-709-3982.