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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!

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!

Retail Building Insurance Claims in Tampa

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!