Claims Archives - Page 2 of 5

Is It a Good Idea to Use a Public Adjuster Near Orlando?

Filing an insurance claim can be intimidating. The legal insurance jargon, the rules, the forms… it’s a lot to handle! So, what do you do? Should you stick with your insurance adjuster or hire a public adjuster near Orlando? Let’s take a look!

What Exactly Is a Public Adjuster Near Orlando?

This is someone you hire that works on your behalf to settle an insurance claim. A public adjuster near Orlando is a huge help if you are having trouble navigating the process.

Hiring a Public Adjuster Near Orland for a Large Claim Is a Great Idea

If you’re dealing with some type of significant damage to your home, you may be concerned about having all expenses covered. This is where a public adjuster works for your advantage.

Your insurance adjuster works for the insurance company. Your public adjuster works for you. Yes, you will pay a percentage of your settlement to cover the fees, but your public adjuster near Orlando will step up to the plate and do the negotiating for you to ensure you get the best possible payout.

Don’t Let Yourself Get Too Overwhelmed

Facing a significant loss can be incredibly stressful both emotionally and mentally. If you’re facing a difficult claims process that’s become overwhelming, it’s good to hire a public adjuster to carry a lot of the burden for you.

Do This Before Hiring a Public Adjuster!

Not just anyone can be a public adjuster. It takes education and training, plus adherence to very strict standards set forth by the state in which they practice. This means you need to check their credentials carefully.

Ideally, they should belong to the National Association of Public Adjusters. They should also be fingerprinted, bonded, and have passed a background check.

Ask about negotiation skills and experience they’ve had with residential and commercial claims. Also, find out what kind of success they’ve had with filing claims similar to yours.

Seeking a Public Adjuster Near Orlando? Let the Professionals at Darryl Davis & Associates Navigate Your Insurance Claim!

We’re here to take the pressure off you. We provide the right guidance for your successful reimbursement. Contact us at 954-709-3982 to start your claim with a top-notch public adjuster near Orlando today!

Mold & Mold Remediation Claims in Naples

Can I Dispute My Mold & Mold Remediation Insurance Claim in Naples if the Insurance Company Didn’t Pay?

While Florida is a beautiful state with plenty of fun things to do, unfortunately the climate makes homes prone to water damage and mold. If your insurance company has failed to pay your mold & mold remediation insurance claim in Naples, you likely want to know if you can dispute that lack of payment. Here is what you need to know about disputing a mold claim.

Why Was My Claim Denied?

Ask your insurance company why exactly your claim was denied. If you still are not sure, here is what you should know about mold insurance claims.

Many insurance policies cover mold damage. Unfortunately, this coverage can be very limited since, the only mold covered is that which is caused by water damage that is covered by the insurance policy.

For water damage to be covered by a homeowner’s insurance policy, it must be sudden and from an internal source. This damage can not be the result of flooding, since that occurrence is covered by a separate insurance policy. This means that the mold can not be the result of neglect or flooding.

Often, a homeowner’s insurance policy will only cover a certain amount of mold damage. For example, if your policy states that it only covers $10,000 in mold damage, you only be able to receive that amount, even if the cost of the repairs is significantly more.

An insurance company may also deduct a certain amount from that $10,000 to pay for the investigation of your claim. So, you may actually get less than the $10,000.

Can I Dispute a Rejection of My Mold & Mold Remediation Insurance Claim in Naples?

You may be able to dispute a refusal of your claim if you believe that your insurance company was not true to your policy. For example, if your insurance company mis-idetified the cause of the mold, this can be a reason to dispute the claim.

If you talk to an experienced public adjuster, they may be able to identify other parts of your policy that could reimburse you for damages.

Effectively Dispute Your Mold / Remediation Insurance Claims With Darryl Davis & Associates!

Breathe easier with help for your mold and mold remediation insurance claims in Naples from Darryl Davis & Associates! We are very experienced in helping people deal with mold-related insurance claims. Make an appointment by calling us at 954-709-3982 today!

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!

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!

How Common Are Retail Building Insurance Claims in Tampa?

Your business is very important to you, and you deserve to be properly compensated for damages to your property when you have to file an insurance claim. Beginning the process of filing a claim can be overwhelming, and you probably have a lot of questions. You may be wondering just how common retail building insurance claims in Tampa are.

Are Retail Business Insurance Claims in Tampa Common?

Since the area is often vulnerable to natural disasters such as hurricanes and other storms, retail business claims in Tampa are fairly common. This leaves businesses vulnerable to flooding and other damages.

What Types of Retail Building Insurance Claims Are the Most Common in This Area?

Natural disasters are an issue in many parts of the country, but Florida is especially vulnerable to hurricanes. Flooding and high winds can be devastating to a retail space. Claims related to water and wind damage are some of the most common claims.

Also, retail building insurance claims in Tampa related to burglary are some of the most common claims filed by businesses. This can include theft by employees.

Fire damage claims are another generally very common type of business claim. This type of damage can impact raw material or sales items.

Supply chain disruptions are becoming increasingly common, and these issues can severely impact your ability to make revenue. If you are impacted by supply chain issues you may lose clients and contracts as well. Loss of assets is another common thing covered by insurance policies for businesses.

If your business relies on certain equipment, machinery, or vehicles, you may be facing significant losses if any of this equipment is damaged.

Loss of income is an important topic covered by commercial insurance policies. This may be relevant if your business is impacted by a fire, hurricane, or other disruptions to normal business.

Where Can I Get Help With This Type of Claim in Tampa?

If you need help during this trying time, we are here to help at Darryl Davis & Associates. Whatever issues your business is facing, we have the tools and experience to help you assess damages and file a claim. Contact us today at 954-709-3982 to make an appointment, so that you can get the compensation you need to help your business run smoothly without worry of your retail building insurance claims in Tampa being denied.

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!

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!

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!

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!

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.

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Category Archives: Claims