Claims Archives - Darryl Davis
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Category Archives: Claims

Fire Damage Claim in Fort Lauderdale

How to Get the Most From Your Fire Damage Claim in Fort Lauderdale

Suffering from a loss due to fire can be devastating to you, your family, your home, or your business. Knowing how to get the most from your fire damage claim in Fort Lauderdale will help you recover. Here are some pro tips to help you maximize your coverage. 

Locate Your Insurance Policy and Report the Fire Right Away

Ideally, you’ll have kept a copy of your insurance policy somewhere fire-proof. If not, you should be able to get a certified copy from your insurance provider. Contact them as soon as possible to report the damage. If you can’t remember which insurance provider you have,  you can get that information from your mortgage company. 

Make an Inventory List of All You’ve Lost

It is recommended you create an inventory list when you move into a new home, and then update that list regularly as needed. This should be kept somewhere safe. You’ll want to report losses to your insurance provider but remain in control of all personal property. Don’t agree to repairs or replacements until you know all of your options and rights. 

Contact a Public Adjuster

This will be the key to maximizing your fire damage claim in Fort Lauderdale. Your insurance company does care about your loss, but they won’t go to bat for you when it counts. Your public adjuster will, because they work for you and not your insurance company. You are likely obligated to report your loss to your insurance company first, but make sure you contact an adjuster soon after. 

Trying Asking for an Advance on Your Fire Damage Claim

Asking for an advance, if you’re eligible, will help cover day-to-day expenses you might incur after a fire. Costs like temporary housing or immediate emergency repairs that can’t wait can be covered with your advance. 

Looking for the Best Adjuster to Hire Your Fire Damage Claim in Fort Lauderdale? Look No Further Than D. Davis & Associates!

At D. Davis & Associates, we are ready to roll up our sleeves and get to work for you! From the beginning of your claim and until you are paid, we will be with you every step of the way. If you need assistance with a fire damage claim, we encourage you to contact us at 954-709-3982 today!

Yacht Damage Claims Fort Myers

Filing a Claim for Yacht Damage in Fort Myers? Here’s What You Should Know First

A yacht cruise can be a most relaxing getaway. But what if, during your trip, your yacht becomes damaged? Do you know the first steps you should take? Before filing your claim, here’s what you should do when you experience yacht damage in Fort Myers.

Make Sure Everyone Involved Is Safe

Your first priority needs to be making sure there are no injuries. If another vessel is involved, check on the welfare of those passengers as well. Seek immediate medical care for anyone who needs it.

Notify the Proper Authorities

Boating accidents of any kind should be reported to the Coast Guard as well as local authorities. An investigation will need to be done, so it’s important to get officials on the scene as soon as possible.

Secure Your Yacht

If damage has been done to your yacht, it’s necessary to secure it as soon as you can. Make sure this can be done safely and without further injury to any passengers.

Gather Information

If your yacht damage in Fort Myers is due to another vessel, you’ll need to get the owner’s information – full name, address, and insurance provider, as well as the boat’s name, make, and model.

Make note of the date, time, and place the damage occurred, and if possible, take photos of both vessels. If there were witnesses, it’s a good idea to get their account of what they saw, as well as their name and contact information.

Notify Your Insurance Provider

As soon as you are safely ashore, you’ll need to call your insurance provider to report the damage. Provide them with all information and photos you’ve obtained.

To Maximize Your Claim, Your Final Step Should Be Contacting a Public Adjuster to Report Your Yacht Damage in Fort Myers

Because yacht insurance is unique, you should choose an experienced public adjuster like D. Davis & Associates to handle your claim. Our experts will take over processing your claim to get you the best settlement possible because we work for you and not the insurance company. If you’ve recently experienced yacht damage or need insurance coverage, contact us today at 954-709-3982 for a free consultation.

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!

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.

Public Adjuster Florida

Can a Public Adjuster in South Florida Help Me With an Insurance Claim?

Most people do not enjoy dealing with the intricacies of an insurance claim by themselves. You likely want to know if a public adjuster in South Florida can help you with your insurance claim. Here’s what you need to know! 

What Is a Public Adjuster?

A public adjuster is an independent operator who can help with an insurance claim, working for and hired by the claimant. Unlike an adjuster sent from your insurance company, a public adjuster is not going to put the needs of an insurance company before your needs. They can assess the damage to your property and see how that damage affects the needed repairs.

A public adjuster is an expert in the insurance process, and this means that they can make that process smoother and faster. They can take care of the entire process of filing your claim, or they can assist you as you prepare your own claim. They are especially great to work with if you need to make a claim for a large amount of damage. 

Public adjusters charge a percentage of the settlement that you receive from an insurance company. The most they can charge is about 20% of the total, though they may charge a lower percentage.  

Can a Public Adjuster in South Florida Help With an Insurance Claim?

Yes! There are no restrictions about using a public adjuster to help with your insurance claim in the state of Florida. They can help you organize your documentation, file your claim, and make sure that you receive your money in a timely manner. They can also help you with any disputes you need to file if your claim is rejected. 

Darryl Davis and Team Are Here When You Need a Public Adjuster in South Florida

For the best public adjuster in South Florida for your wind damage claim, fire damage claim, or other claim, choose Davis & Associates! Our experts are here to walk you through the process and provide you with the help you need during this time. Give us a call at 954-709-3982 to make your appointment today!

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