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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 Your claim may be denied if your business details are inaccurate or out of date, if you do not comply with the conditions put forth by your original insurance coverage plan, if you do not disclose everything about your business, if your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.