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Condo Insurance Claims Miami FL

What Homeowners Should Know Before Filing Condo Insurance Claims in Miami

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When you own a condominium, there is gray area when it comes to who is responsible for damages should something happen to your condo. There are a couple of reasons for this. First, when you own a condo it is in a larger building, so you only own the space within the walls of your condo. Second, many condominiums are under an HOA and you pay a monthly fee for your condo. Because of this, there is a master insurance policy under your HOA you may need to file under. Here is what you need to know before filing condo insurance claims in Miami.

What insurance should you have on your condo?

Condominium insurance is called HO-6 insurance and is very similar to the insurace you would carry on a house. HO-6 insurance covers anything that occurs within the walls of your personal condo space. HO-6 covers personal property loss and damage as well as liability should someone get hurt. Generally, theft is also covered under your condo insurance. Of course, it is important you keep a good inventory list of items in your condo.

What is an HOA Master Policy?

When you move into a condo, it is important to get a copy of the HOA Master Policy. This policy outlines what damages the HOA is responsible for. You can expect the master policy to cover damage that occurs in common areas of the building and outdoor space, as well as the building structure. So if a flood occurs in the lobby, the HOA’s policy covers the damages.

Which policy do you file under for condo insurance claims in Miami?

While some claims are obvious as to which insurance you should file under, other claims are more ambiguous. For instance, if the roof leaks and your ceiling and belongings are damaged, which insurance should you file under? When you read through the HOA’s master policy, you are going to see the terms “all-in” and “bare-walls-in”. All-in covers either all or part of an incident such as a roof leak or a frozen pipe that bursts. It also may cover flooring, plumbing, electrical, and appliances in your condo. Bare-walls-in do not cover anything that is within the walls of your condo unit.

Florida public adjusters can help navigate your condo insurance claim in Miami

Trying to figure out whose insurance is responsible for a claim can be a real headache. A public adjuster can help to determine who is responsible for your damages, as well as properly assess the dame, so you can quickly get a fair settlement. Call us at 954-709-3982 to meet with a public adjuster in Miami today.

Wind Damage Insurance Claims in Orlando

What Coverage Should I Have For Wind/Hurricane Damage Insurance Claims in Tampa

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When strong winds or a hurricane come through the Tampa area again, are you properly prepared for the catastrophic damage it could inflict on your home? Unfortunately, nature cannot be tamed and can do a lot of damage, not just in the physical sense but financially as well. Some people never fully recover from the toll a storm can take on their pocketbook. If you have the proper coverage for wind/hurricane damage insurance claims in Tampa, you may not have the unnecessary burden of financial loss.

So, what should your insurance policy include to make sure you don’t suffer a devastating loss? The coverage you need for wind/hurricane damage insurance claims in Tampa depends on your home’s value.

The value of your home (as calculated and stated by your insurance company) determines the amount of coverage you should have to help make sure storm damage doesn’t cause a financial burden. In addition to your home owner’s policy, you need a separate policy specifically for wind and hurricane coverage. If you do not purchase this additional coverage, wind and / or hurricane damage WILL NOT be covered at all, and it will be solely up to you to pay for repairs.

In the state of Florida, if you meet your wind / hurricane deductible and your main policy deductible and another storm comes through, you do not have anymore out-of-pocket costs. The policy will pay for wind or hurricane damage from additional storms after all deductibles are met. Hopefully, you will never be the victim of two events, but you can rest assured that you will not incur any further expenses after the first event if you have already met your deductibles.

Risk Analysis services can help ensure you have the proper coverage.

At D Davis & Associates, we offer services to analyze your policies and ensure you have the best coverage to help protect your investment. During a risk analysis, we identify shortcomings in your insurance policy to ensure you can rebuild after a natural disaster without disastrous effects on your wallet. Call us today at 954-709-3982 to schedule your risk analysis for wind/hurricane damage insurance claims in Tampa.

Mold Remediation Insurance Claims Fort Lauderdale FL

What You Should Know About Mold & Mold Remediation Insurance Claims in Fort Lauderdale

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One important thing to know about mold is that it’s a pretty big deal. Mold grows quickly, exists everywhere in small amounts, and is toxic to inhale. You can always count on it to spread in moist conditions. Be prepared to experience mold if you’ve experienced flooding in your home. Now that you know what to expect, what should you know about dealing with mold & mold remediation insurance claims in Fort Lauderdale?

Which policy covers mold remediation?

A homeowners insurance policy covers many dilemmas, but they’re also full of fine print and technicalities. Many homeowner policies will cover mold remediation as long as the source of the mold pertains to another catastrophe covered by the policy. It’s safe to expect that damage to water pipes will cover water damage as well as resulting mold. However, mold as a result of natural flooding is not covered unless you have taken out flood insurance. Understanding this in advance will save you significant time and money later.

Mold remediation is a large undertaking.

After a flood or water leak, the reason families are forced out of their homes temporarily is not just because it’s uncomfortable living among the wreck. Mold thrives in a flooded home and is very dangerous to inhale in large quantities. Mold remediation is performed in steps that ensure not only the level of mold in your home is reduced, but also that air is filtered and moisture-retaining surfaces are removed to prevent mold from coming back. There are steps to contain the mold, steps to clean remaining property, and steps to restore the home. It’s a hefty job!

Get it done right the first time with help for your mold & mold remediation insurance claims in Fort Lauderdale.

When you’re counting on your insurance company to provide for you in your time of need you can’t afford to settle for less. Insurance companies will often deny mold & mold remediation claims in Fort Lauderdale, or offer to cover significantly less than what a proper repair costs. Insurance disputes can be lengthy and confusing. And, in the time you’re waiting for resolution, the spread of mold quickly becomes worse in the walls and furniture of your damaged home. 

We’re proud to represent honest homeowners fighting for exactly what your damage is worth through our public adjuster services. Call D Davis & Associates at 954-799-3843 today, and take the next step towards financial justice for your mold remediation claim. 

Flood Damage Insurance Claims in Fort Lauderdale

What to Know Before Filing Flood Damage Insurance Claims in West Palm Beach

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After disaster strikes your home and your property has damage due to flooding, the very first thing you should do is call your insurance company. Begin the claims process immediately. Not only does your insurance company require it, but it also helps you get back to normal as quickly as possible. Here’s what you need to know when filing flood damage insurance claims in West Palm Beach.

Review your policy to see what’s covered.

When you call the insurance company to start the claims process, go over your coverage with the agent. Review everything that is included, and make full use of it. You may not be aware, but oftentimes policies include coverage for lodging and even meals due to displacement if you have to move out of the home.

Document everything, before and after flood damage insurance claims in West Palm Beach.

It’s important to document everything in your home with an itemized list as well as photographs, so you can accurately report the what condition of your home was before disaster strikes. Keep receipts of major purchases as well. When it’s time to make a claim, you have the evidence you need to support full reimbursement. Immediately after flooding, take pictures and make notes on all of the damage.

You can negotiate.

You don’t have to take the first settlement offer the insurance company gives you. Review the claims adjuster’s report, and dispute any inaccuracies. If you cash your settlement check and subsequent damage shows up later, you may be eligible for an adjustment. Talk with your insurance claims adjuster should any issues or inaccuracies arise.

You can hire a public adjuster to help you navigate the claims process.

If you’re unwilling to negotiate yourself, or if you feel like your claim isn’t going to being paid fairly, you can hire a public adjuster (PA) to help you with your claim. Even if you feel like you’re being treated fairly, you can hire a PA to help ensure that everything you’re entitled to reimbursement for is properly compensated. They are able to evaluate the extent of the flooding damage to your home and factor in every last thing that needs to be repaired or replaced.

There are many benefits to hiring a public adjuster for your flood damage insurance claims in West Palm Beach. PAs are typically able to get a higher settlement paid at a faster rate than the claimant alone. They work on a contingent fee, and only get paid if you get paid. To put the best public adjusters in South Florida to work on your insurance claim, call us today at 954-709-3982.

Ask a Public Adjuster in Orlando

How to Find a Good Public Adjuster in Miami After a House Fire

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After disaster strikes and your home is damaged or destroyed by a house fire, the best thing you can do after calling your insurance company is to contact a public adjuster. While filing a claim will automatically mean that you are assigned a claims adjuster, they will be working for the insurance company. A public adjuster in Miami works for you to help ensure that you receive the settlement you’re entitled to.

What to Look for in a Public Adjuster in Miami

After you decide to hire a PA, here’s what you need to know about finding the best one.

Ask about licensing. The State of Florida requires public adjusters to be licensed to legally perform their job duties. This helps protect consumers by ensuring that PAs are properly bonded. Public adjusters must pass an exam to be licensed. This is to protect their customers against any issues that could arise from lack of knowledge.

Look for experience and reputation. When calling a public adjuster, ask about their relevant experience specific to house fires. Search online for reviews on Google, Facebook, Yelp, Angie’s List, and other sites to see what customers are saying about working with local PAs.

Inquire about fees and contract. A reputable PA is upfront and honest about all fees you may incur for their services. Ask if they provide you with a written contract to help protect you as the homeowner against any unforeseen issues. Check with other local PAs to ensure the fee is reasonable and competitive based on your insurance claim.

You’re Entitled to Hire a Public Adjuster for Your Fire Damage Claim

Oftentimes, people are unaware that they can hire their own public adjuster (PA) to represent them during the claims process after fire damage to the home. This is quite unfortunately, as homeowners with a public adjuster advocating on their behalf typically receive higher payments and quicker settlements. PAs have a full understanding of the complexity of insurance claims, as well as the complexities of estimating repair / rebuild costs. Put the best public adjuster in Miami to work for you by calling us today at 954-709-3982.

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