Blog - Darryl Davis
Mold is not only an annoying and persistent issue, but it can even be harmful to the health of you and the ones you love. Luckily, you can file a mold remediation insurance claim. Here is everything you need to know about mold and mold remediation insurance claims in Naples. Mold Can Be Harmful to Your Health Mold releases spores and these can lead to a number of health issues. For example, after inhaling spores, you may experience allergy symptoms, such as itching, coughing, headaches, difficulty breathing, and exhaustion. The harm that mold can cause is the reason behind mold remediation. Mold Is Not Always Covered By Homeowners Insurance Usually, mold is only covered by homeowners insurance if it is the result of certain named perils. These perils include water damage from a burst pipe or a broken appliance. Mold and water damage from extinguishing a fire or a frozen pipe can be covered by home insurance. That coverage will likely not replace any broken devices or the cause of the damage. Instead, the mold itself and any water damage will be covered. The amount of damage covered may be capped at a certain cost. Certain Occurrences Are Not Covered When It Comes to Mold & Mold Remediation Insurance Claims in Naples If you encounter mold, it is important to know that it may not be covered by insurance depending on the cause. For example, mold that is the result of flooding will likely only be covered by flood insurance. Other issues are not covered if it could be argued that you could have addressed the issues earlier. Leaks and humidity are likely not covered. Understand Mold Removal Costs and Caps Mold removal can often cost between $15,000 and $30,000. Often, insurance companies will only pay between $1,000 and $10,000. In some cases, you can purchase additional mold coverage. However, this cost will differ depending on your state. Mold & Mold Remediation Insurance Claims in Naples Can Be Made Easy With Darryl Davis If you are dealing with mold and mold remediation insurance claims in Naples, Darryl Davis is here to help. We are extremely familiar with this issue and we look forward to using our expertise to help you. Call us at 954-709-3982 to make an appointment as soon as possible.

Mold & Mold Remediation Insurance Claims in Naples: What You Should Know

Mold is not only an annoying and persistent issue, but it can even be harmful to the health of you and the ones you love. If you have mold, you may be able to file an insurance claim to cover the cost of repair. Here is everything you need to know about mold and mold remediation insurance claims in Naples. 

Mold Can Be Harmful to Your Health

Mold releases spores, and these can lead to a number of health issues. For example, after inhaling spores, you may experience allergy symptoms, such as itching, coughing, headaches, difficulty breathing, and exhaustion.

Mold Is Not Always Covered By Homeowners Insurance

Usually, mold is only covered by homeowners insurance if it is the result of certain named perils. These perils include water damage from a burst pipe or a broken appliance. Mold and water damage from extinguishing a fire or a frozen pipe may be covered by your general home insurance policy. 

That coverage will likely not replace any broken devices or the cause of the damage. Instead, the mold itself and any water damage will be covered. The amount of damage covered may be capped at a certain cost. 

Certain Occurrences Are Not Covered When It Comes to Mold & Mold Remediation Insurance Claims in Naples

If you encounter mold, it is important to know that it may not be covered by insurance depending on the cause. For example, mold that is the result of flooding will likely only be covered by flood insurance IF you have it in place beforehand. Other issues are not covered if it could be argued that you could have addressed the issues earlier. Leaks and humidity are likely not covered. 

Understand Mold Removal Costs and Caps

Mold removal can often cost between $1,000 and $30,000 or more depending on the extent of the damage. Often, insurance companies will only pay between $1,000 and $10,000.

In some cases, you can purchase additional mold coverage for your insurance policy before any damage occurs. This cost will differ depending on your state. 

Mold & Mold Remediation Insurance Claims in Naples Are Made So Much Easier With Darryl Davis and Team

If you are dealing with mold and mold remediation insurance claims in Naples, Darryl Davis is here to help. We are extremely familiar with this type of claim, and we look forward to using our expertise to help you receive faster and great compensation! Call us at 954-709-3982 to make an appointment as soon as possible, and be one step closer to a bigger check!

Wind Damage Insurance Claims in Orlando

Read This Before Filing Wind Damage Insurance Claims in Orlando

Filing a claim for wind damage can be confusing and seem a daunting task. There are facts that you should know about wind damage insurance claims before you file. Read on to learn everything you need to know about wind damage insurance claims in Orlando. 

Wind and Hail Cause the Most Property Damage in the US

These winds may be caused by hurricanes and tropical storms, but they can also come about from a cold front or a convective storm. Hurricanes and tropical storms are common in Florida due to the tropical climate and the proximity to the ocean.

Damages in Florida for insured catastrophic loss make up 13% of the total claims since the 1980s. Due to the presence of these storms in Florida, the damage in our state from wind is more dramatic than other parts of the country. 

Check to See Whether Wind Insurance Is Required

While windstorm damage is not required by Florida law, you may still need it for your mortgage lender. In some cases, your Floridian home insurance may require a separate deductible for wind damage that comes from specific storms that are designated by the National Weather Service, and those deductibles cover wind specifically and not other elements of storm damage. You should also keep in mind that insurance rates may be more expensive if you live near the coast.

Understand the Different Types of Wind Coverage

The types of wind damage covered by most homeowners’ policies are usually only minor or moderate types of wind damage. However, extraordinary damage caused by large storms may be added beyond the required policies as an optional rider. 

A Little Help Can Go a Long Way When It Comes to Wind Damage Insurance Claims in Orlando

Since a huge portion of catastrophic insurance claims are paid out in Florida, insurance companies try to save as much money as possible by paying out as little as possible. So, the amount of money you receive from your claim may be less than you expect. This is why it’s a good idea to consult with an insurance adjuster before filing any type of homeowner’s claim. 

Need Help With Your Wind Damage Insurance Claims in Orlando? If You Want the Top Dollar Quickly, Hire Davis & Associates!

For help maximizing your payout after wind damage insurance claims in Orlando, turn to our experienced team! Book your appointment with us by calling us at 954-709-3982 today, so you can have your claim paid faster and for more money!

West Palm Beach Public Adjuster

How to Choose a West Palm Beach Public Adjuster

A public adjuster (PA) is someone you can hire to help settle your insurance claim on your behalf. They are trained professionals who operate independently from an insurance company. Finding a good PA makes a big difference in terms of helping you get what you need from your claim, as they get your money to you faster than going it alone against “Big Insurance.” Here is what you need to know about finding the best West Palm Beach public adjuster. 

Make Sure the West Palm Beach Public Adjuster You Choose Is Licenced

West Palm Beach public adjusters must have a license to practice. This ensures that your PA has undergone the proper training and fulfilled the proper requirements to practice in your area. Always check for this before hiring a public adjuster. You can check this easily online. 

Look at Their Experience

While there are many talented and experienced public adjusters out there, they may not all perform within the same areas or with the same types of cases, such as flood damage, fire damage, or mold damage. So, find someone who has experience with cases like yours. 

Check References and Reviews

It is always a good idea to get feedback from past clients of a prospective PA. Do this by asking for and checking references, as well as reading plenty of reviews.

Communication Is Vital

It is very important that you feel like you can comfortably communicate with your adjuster. They should be able to clearly explain steps to you and also listen to your experiences. You should also avoid any PA who you feel pressured by. Instead, look for someone who fits your needs and with whom you can communicate.

For an Outstanding West Palm Beach Public Adjuster, Turn to Davis & Associates

When you need an experienced West Palm Beach public adjuster, Darryl Davis and team have your back. We work hard to make sure that each of our clients receives the compensation they deserve. Call us at 954-709-3982 to make an appointment today to learn more about how we can help you settle your claim quickly and for maximum compensation!

Flood Damage Insurance Claim in Tampa

Will Your Flood Damage Insurance Claim in Tampa Be Paid?

Flood damage is often an unfortunate part of living in Florida. This hardship can be made even worse if your insurance carrier refuses to cover the damage. So, how can you make payment from your insurance claim more likely? Here’s what factors into the likelihood your flood damage insurance claim in Tampa is paid.

The Details of Your Policy Indicate Whether Your Flood Damage Insurance Claim in Tampa Will Be Covered

Your insurance policy is the biggest variable when it comes to whether you have a legitimate claim. First, flooding is usually only covered if your policy has added flood insurance. Many homeowners are surprised to learn that they didn’t have the proper coverage before a major event like water damage, so be sure to review your policy before disaster strikes.

Make Sure to Prepare Proper Documentation

It is very important to document any damage as soon as you can. Make a list of your belongings before any damage occurs, so you have a record. If something happens, take more photos and videos, and make notes about everything that was affected.  

Negotiation Is Key

Flood damage insurance claims can be an ongoing process. While this can be annoying, the process also leaves room for you to negotiate. After your insurance company gives you the first settlement, you can dispute any issues you see. In some cases, more damages such as mold may occur later if the water is not properly cleaned up, and this can make you eligible for additional compensation. 

A public adjuster will make things much easier for you when it comes to negotiation. They know the ins and outs of the insurance business, and they can use that knowledge to help you quickly get the money you deserve. 

Your Flood Damage Insurance Claim in Tampa Is in Good Hands With Darryl Davis & Associates!

Darryl and team are here to help you with your flood damage insurance claim in Tampa. Make an appointment with us by calling 954-709-3982 as soon as possible. We offer risk analysis too, giving homeowners peace of mind to ensure they have the right policies in place before a hurricane, water leak, or other major destructive event.

Risk Analysis Public Adjuster

What Is a Risk Analysis From a Public Adjuster?

Taking care of your home or business requires that you consider countless variables. Luckily, there are people who are specially trained to help you assess the risks of your building being damaged by a major event such as a fire, plumbing issues, or hurricane. So, what exactly is risk analysis from a public adjuster? Read on to learn more!

What Is Risk Analysis?

Risk analysis is an essential part of managing your business or home. It determines the likelihood of various negative events that can impact your business or home. The overall goal is to make sure that the most likely events are factored into the action of your company and home life, as well as the way that insurance should cover your assets. 

Risk analysis is used to determine the best way to manage that risk. You can manage risks by improving areas of efficiency and safety for your company and home. If your risk analysis shows that you need more protection from hurricanes, you may need to install new hurricane windows or take other precautions. 

How Does a Public Adjuster Perform a Risk Analysis?

A public adjuster looks at several factors that commonly affect homes or businesses such as fires, hurricanes, and other natural disasters. They also look at any particular issues that you may encounter to give suggestions such as making upgrades and repairs to the insured property. 

Since a public adjuster works independently from an insurance company, their risk assessment is done without the bias that someone employed by an insurance company may bring. At the end of the day, someone who works for the insurance company is going to work hard to save the insurance company money. 

Before Disaster Strikes, Contact Us for a Comprehensive Risk Analysis to Ensure You’re Properly Covered!

If you want to find out exactly what you’re unprepared, underprepared, or prepared for so you’re not caught off guard when you file an insurance claim for flooding, mold, wind, or other damage, our team is here to help! At Davis & Associates, we are experts in providing useful analysis and other services for our clients. Book your appointment with us by calling 954-709-3982 today!