Blog - Page 13 of 29 - Darryl Davis
Water Damage Insurance Claims in West Palm Beach

Does Homeowner Insurance Cover Water Damage Claims in West Palm Beach?

Incurring water damage in your home is very frustrating. In Florida in particular, you are likely to face a number of sources of water damage. After a flood, hurricane, burst water pipe, or other disaster, you’re probably wondering if your insurance covers water damage claims in West Palm Beach. Here is what you need to know about water damage claims.

Does Homeowners Insurance Cover General Water Damage Claims in West Palm Beach?

Most homeowners insurance policies cover certain types of water damage. Unfortunately, this coverage area can get more complicated than is ideal.

In general, water damage is only covered by homeowners insurance if it occurs as a result of an internal source and happens suddenly. This means that gradual damage is not usually covered by homeowners insurance.

Some issues covered by water damage include storms, burst pipes, accidental appliance overflow, vandalism, and damage from extinguishing a fire. These causes are all accidental and are not the result of neglect or external flooding.

Flooding is not covered by homeowners insurance due to the existence of separate flood insurance policies. Flash flooding and storm surges are both considered types of flooding. This category does not include issues from inside your house like a burst pipe.

Does Homeowners Insurance Cover Hidden Water Damage Claims?

Hidden water damage is often considered to be a result of gradual water damage, so it is frequently not covered by homeowners insurance. This might include situations like pipe backups, neglected pipes, and seepage from outside.

Mold can result from water damage, and this can be bad for your own health as well as the health of your home. If you encounter mold damage as a result of water damage, your policy will likely only cover it if the policy covers that type of water damage. Often, the insurance policy will cover a certain amount of mold damage. 

Who Can Help Me With My Water Damage Claims Near Palm Beach?

Contact Darryl Davis & Associates for help with your water damage claims in West Palm Beach. Our goal is to help you understand water damage insurance claims so that you are properly reimbursed. Call us today at 954-709-3982 to make an appointment!

Office Insurance Claims in Fort Myers

4 Things You Should Know About Office Building Insurance Claims in Fort Myers

Whether you want to learn about what goes into owning an office building or you need to know about filing an office building insurance claim , there are a few basics that you need to know. Here is what you need to know about office building insurance claims in Fort Myers. 

Office Building Insurance Is One Type of Commercial Insurance

There are many different kinds of commercial insurance out there for a variety of needs, and insurance that relates to the building itself is just one type. Some of the other types include workers’ compensation insurance, employment practices liability, general liability, professional liability, and commercial umbrella. Office building insurance covers the actual building in the event of a disaster such as a fire, hurricane, or theft. 

There Are Common Types of Office Building Insurance Claims

The most common business insurance claim is theft. Some other common claims are for wind damage, water damage, and fire damage. 

Office Building Insurance May Not Cover Everything

While office building insurance usually covers things like fire, theft, storms, vandalism, and explosions, there are some things that are not always covered by these policies.

For example, things like floods and earthquakes, as well as certain types of damage caused by things listed above, may not always be covered. You may need to specifically add these to your policy if you want them covered. Some of this coverage may depend on your geographic location. 

Many Factors Affect the Cost of Your Policy

There are a few general rules to expect when it comes to the cost of your policy. However, there can also be many unique variables for each individual policy.

The age and type of building you have affects the cost of your policy. The same goes for the location of your building and how many people fit in your building. The presence of protective measures, such as security systems, can also affect your policy cost. 

Come to Us for Help With Your Office Building Insurance Claims in Fort Myers

Join us at Darryl Davis if you need assistance with your office building insurance claims in Fort Myers. We are experts in all aspects of these cases, and we look forward to helping you through this process. Please make an appointment with us by calling 954-709-3982 as soon as possible!

Hire a Public Adjuster Miami

What Are the Benefits of Hiring a Public Adjuster?

Trying to settle an insurance claim can be tricky if you have never done it before. This is why so many people choose to consult a public adjuster to work on the case on your behalf. Read on to learn about the benefits of hiring a public adjuster to help you with an insurance claim.

Public Adjusters Know What to Put in Your Claim

Whatever the reason behind you needing to file an insurance claim, you may not know exactly how to estimate the damages. A public adjuster knows exactly how to assess damages and how to report that damage properly.

They Help You Understand Insurance Policies

Thanks to their extensive experience, public adjusters know how to help you understand the process of figuring out an insurance claim. They have the expertise to let you know what you should expect. You can trust that your public adjuster is fully trained, since most states require special certification.

Your Claim Will Get Resolved More Quickly

Since a public adjuster knows exactly the steps to take when filing your claim, they can easily and quickly gather all of the materials you need to file your claim. While you are busy with all the other things you need to do, a public adjuster can dedicate plenty of time to doing what needs to be done. 

They Are on Your Side

While your insurance company provides an adjuster, this person may not have your best interest in mind, as their main priority is saving the insurance company as much money as possible. A public adjuster only answers to you, trying to get your claim paid faster and for as much as possible.

They Help Make Sure You Get the Money You Deserve

Often, those hiring a public adjuster get more money for their claim than those who do not. This is because a public adjuster will work hard to make sure you know the most amount of money that you can get. 

Interested in Hiring a Public Adjuster? Come to Darryl Davis & Associates!

If you are in need of a public adjuster, look no further than Darryl Davis. We work hard to make sure that your insurance adjusting experience is positive. Give us a call at 954-709-3982 to make an appointment as soon as possible!

Public Adjuster Fort Lauderdale

What Does a Public Adjuster Serving Fort Lauderdale Do?

If you’ve never had to file an insurance claim before, it can be overwhelming. Even if you have, the process still isn’t much fun. Fortunately, there is a public adjuster serving Fort Lauderdale that can take the pressure off you!

So, What Is a Public Adjuster?

A public adjuster works on your behalf to settle insurance claims. They conduct a  comprehensive evaluation of your claim and work for you, so you’re protected.

Typically, the evaluation of your loss is done in person, and your adjuster will estimate the payout based on your loss and your policy coverage. You’ll find a public adjuster will work much harder for you than a regular insurance adjuster.

Do I Really Need a Public Adjuster Serving Fort Lauderdale?

There are times when you should absolutely consider a public adjuster. Because they handle the entire process for you, it’s a great option if you simply don’t want to do it yourself, don’t have the time, or don’t understand the process. 

Another reason would be if you’re filing a large claim. They will scrutinize your claim to make sure you get the highest possible payout.

What’s the Best Way to Find a Public Adjuster?

You first want to check for qualifications, experience, and references.  Your public adjuster should be licensed in the state you are filing your claim.

Your adjuster is one you should feel comfortable with. The process can be long so the right adjuster will ensure you can trust them to be your partner through the journey.

The Best Public Adjuster Serving Fort Lauderdale Will Be Found Here!

Your search is over! Our compassionate and professional team at Darryl Davis & Associates is ready to serve! We have the knowledge and experience you need to get the best possible outcome! There’s no need to wait to get started, so call us at 954-709-3982 today!

Condo Damage Insurance Claim in Orlando

Is Your Condo Insurance Claim in Orlando Going to Be Covered? Here Are 5 Tips to Help Make Sure You Get Compensated!

If you need to file a condo insurance claim in Orlando, you may be stressed out and not sure of the way to get the compensation you deserve. An insurance company’s main priority is to make money and not pay out too much on claims. Here are some tips to help you make sure that you get properly compensated for your insurance claim. 

  1. Keep Records

Keeping consistent documents is very important when filing a claim. The exact documentation you need depends on the reason for your claim, which may include photos, communication records, receipts, and legal documents. Keeping track of these things should make the whole process much easier.  

  1. Understand Your Policy

Make sure that you understand your insurance policy before filing a claim. This will show your insurer that you know what you are doing and won’t be pleased with an unfair settlement. Make sure to keep up with the process. Some professional help can be very useful in this area. 

  1. Be Persistent

This process can be very draining, so it is important that you keep up with everything. No one from the insurance agency will care about your claim as much as you do, so you must make an effort to keep up with the whole process. Communicate with your insurer consistently, be involved in any negotiations, and compare contractor bids. 

  1. Understand Condo-Specific Laws

Condos share some laws with other types of home laws, but there are some other laws that are unique to condos. For example, coverage for your condo relates only to the interior of your condo, while general homeowners insurance refers to both the inside and outside of your property. You may also have to consider condo association insurance in your claim. 

  1. Hire Someone Great to Help You With Your Condo Insurance Claim in Orlando

The most important step when filing a condo insurance claim in Orlando is to make sure you have a good public adjuster on your side. At Daryl Davis & Associates, we know exactly how to help you during this frustrating process. To make an appointment, please call us at 954-709-3982 today, and take a step closer towards getting the compensation you deserve.