Commercial Insurance Claims Archives - Darryl Davis
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Category Archives: Commercial Insurance Claims

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Office Insurance Claims in Fort Myers

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

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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?

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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.

Commercial Building Insurance Claim Palm Beach

Commercial Building Insurance Claims in West Palm Beach – Are You Covered?

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If you own a commercial building, making sure the property stays in business is always a priority. Damages that keep business from running as usual are expensive and detrimental. In the event of commercial building insurance claims in West Palm Beach, it’s important to have the right coverage. Here are some things to consider about commercial building insurance.

Make Sure Costs of Working Are Covered

In the event of loss of use, does your insurance plan allow your business to continue running? If the business can’t run due to building damage and you need to set up in another location, make sure your policy covers the costs necessary.

Insure the Commercial Building AND Exterior Assets

Of course you want your policy to cover the physical building, but also consider fences, outbuildings, parking, signage, and more. Be sure your policy covers your entire property – building and all exterior assets – so that in the event of a commercial building insurance claim, you’ve got the coverage you need to get the property up and running again.

Adequate Coverage of the Contents Is Essential

Talk to your insurance provider to understand the coverage of the contents of the commercial building. Any claims should cover the entire contents including furnishing, build outs, technology, products, and potentially even assets not located on the physical property. 

Don’t Forget to Add Flood Coverage, So Commercial Building Insurance Claims Are Covered in the Event of Water Damage

For flooding due to storms, high waters or busted pipes, be sure your policy has the proper flood coverage. Not all policies cover flooding specifically, so before you need to file a commercial building insurance claim in West Palm Beach, make sure you have adequate insurance to cover water damages.

Hire a Public Adjuster

Navigating the claims process is complicated, especially when you’re trying to keep your business going after a loss. Hiring a public adjuster means having a pro on your side to handle all aspects of your commercial building claim. A public adjuster gets your claim paid faster and typically means you’ll get more resources to get the business back up and running.

Need Help with Commercial Building Insurance Claims in West Palm Beach?

Call the professional public adjusters at Darryl Davis and Associates. If you need assistance with commercial building insurance claims in West Palm Beach, call us for a free consultation today at 954-709-3982.

Office Building Insurance Claim Tampa FL

Are Office Building Insurance Claims in Tampa Easy to File?

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If you own commercial buildings in Tampa, you know how important it is to get the most out of an insurance claim in the event of a disaster. Filing office building insurance claims in Tampa can be a difficult and stressful experience. It can be easy to make mistakes that make it tough to get the compensation you deserve. 

Taking time to understand your policy and make an accurate claim is key to getting your office building restored to optimal condition. 

Here are a few common things that delay the process and make filing office building insurance claims in Tampa tricky.

Being Unprepared

Not being familiar with your policy slows down the claims process. Know your policy, and plan ahead for best outcomes in the event of a disaster. Have a copy of your policy on hand. Be sure to keep documents and photos organized and available in the event of a loss. Hiring a public adjuster gives you the advantage of an experienced professional to handle your claim and ensure a smoother process. 

Initial Claim Denied

During this stressful time, owners may overlook something important about the policy or make an error in the claim resulting in denial. Having your initial claim denied lengthens the entire process. A professional public adjuster helps make your office building insurance claims in Tampa easier. Their experience and understanding helps eliminate common errors and present the correct documentation the first time. A public adjuster works on your side to get your claim handled quicker and your compensation more complete.

An Inadequate Initial Settlement Offer When Filing Office Building Insurance Claims in Tampa

It’s not unusual for the initial offer to be too low to cover all the damages to restore your property. A public adjuster works to file the most accurate claim. They handle the details for you and ensure all losses and expenses related to the losses are represented in your claim. A public adjuster helps advise you on any settlement offers from the insurance company making sure you get adequate compensation.

If you need assistance with office building insurance claims, get a public adjuster on your side. 

Darryl Davis and Associates have years of experience to get you faster and better compensation. Schedule a free consultation in Tampa today by calling 954-709-3982, and put us to work for you to help get the most out of your claim.

What You Should Know About Filing Office Building Insurance Claim Naples FL

What You Should Know About Filing Office Building Insurance Claims in Naples

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If you own a commercial property with damage from fire, mold, wind, or flood, making an insurance claim helps recover losses and pay for damages. Filing office building insurance claims is a difficult and stressful experience. With so much to handle, it’s important to take the right steps to ensure maximum compensation. Here are some things to know about filing office building insurance claims in Naples.

  1. Know Your Policy and Plan Ahead

Familiarizing yourself with the policy speeds up the claim process making it easier to file an accurate claim. Keep the policy and relevant forms on hand. Consider hiring a public adjuster for risk analysis before you ever need to file a claim as well as to help you best understand your policy and what you need to do in the event of a disaster.

  1. Make Careful Documentation for your Office Building Insurance Claims in Naples

Keep an updated inventory and records. In the event of a disaster, document all conversations with anyone related to the damages and claim. Take photographs after accidents or disasters to document everything damaged, missing, or destroyed. Take detailed notes. 

  1. If Necessary, File A Police Report

For some claims, a police report is required. Know your policy, and if necessary, call the police to make a report for your office building insurance claim.

  1. Take Steps Required By Your Policy

Some policies require you to take certain steps to prevent further damage to the property. Understanding your claim and being prepared ahead of time is important when making an office building insurance claim. A public adjuster can help you be better prepared.

  1. Hire A Public Adjuster

A public adjuster works for you, unlike the adjuster hired by the insurance company. Hiring a public adjuster makes the claims process smoother and more accurate, so you’ll get speedier and higher compensation.  Your public adjuster attends to the details for you and handles your claim covering all losses and expenses related to the losses. The PA works with your insurance company on your behalf handling every aspect of an office building insurance claim.


If you need representation for your office building insurance claims in Naples and are looking for a public adjuster, the office of Darryl Davis and Associates has the experience and professional expertise you need to get the most out of your claim. Schedule a free consultation with one of our public adjusters today by calling (954) 709-3982, and put us to work for you to help get the most out of your claim.

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