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Your trailer is your home, and that means that if your trailer is damaged in a hurricane or a fire, you likely need help determining just how to file an insurance claim. The process of filing a claim can be overwhelming, given the number of details involved. Having help with filing trailer home insurance claims in West Palm Beach can go a long way towards you getting the money you need. 

What Does a Public Adjuster Do?

A public adjuster (PA) is an independent insurance agent that can help homeowners with insurance claims. They are experts in how insurance policies work, and they are able to perform an independent assessment of property loss. 

PAs can help you through the whole process, including submitting claims. Public adjusters can save you a lot of time and money in the event that you need your insurance policy to pay out.

When Do I Need a Public Adjuster for Trailer Home Insurance Claims?

In Florida, trailers are especially prone to damage due to the climate and environmental factors. This makes having insurance for your trailer very important. Potential causes of damage include storm and wind damage, structural damage, collisions and accidents, fire damage, and mold damage.

You should hire a public adjuster if you need to file a property insurance claim. This is an especially good idea if the claim is for a large amount. They know how to look for the right details about various incidents. A PA can also help you evaluate whether or not you should file a claim in the first place.

There are some cases where you think you need to hire a lawyer to settle an insurance dispute. However, often in these cases a public adjuster is who you want to hire. They are able to assess if you are owed more compensation. If it is determined that you are owed more, then you may want to hire a lawyer at that point.

Where Can I Find Someone to Help Me With Trailer Home Insurance Claims in West Palm Beach?

The PAs at Darryl Davis and Associates are here to help you with your trailer home insurance claims in West Palm Beach. We’re experienced in a number of types of cases, and we would love to help you with yours. Make an appointment by calling 954-709-3982.

Before a loss, it is imperative that you understand your insurance policy and ensure that you have the coverage you need. Is your industrial building insurance claim in Naples likely to be paid? Here are some tips to ensure that the answer is yes!

Understand Your Insurance, and Be Sure to Meet Policy Requirements When Making an Industrial Building Insurance Claim in Naples

Be sure you understand your insurance policy, and keep a copy that is easy to access in the event of a disaster.

Your policy may require that you take certain steps to prevent further damage after disaster strikes. Failure to take care of these requirements could ruin your claim eligibility. So again, understand your policy and what is required of you when you need to make a claim.

Known Whether You Have Exclusions for Cosmetic Damages 

Read your policy carefully. Does it have cosmetic damage exclusions? If it does, any damages sustained that only affect the way something looks but not the way it functions, will not be paid. Consider your policy and whether you are willing to have something, like a roof, on your business that looks damaged, even if it is still functional. 

Consider Forgoing Discounts

Some policies offer discounts for safety measures in place. For example, a sprinkler system may get you a small discount on your insurance policy. However, if it malfunctions, under some policies, your industrial building insurance claim in Naples could be denied. Consider forgoing small discounts if there is potential for your claim to be denied. 

Hire a Public Adjuster to Help Your Industrial Building Insurance Claim in Naples Be Paid Quickly With Max Payout!

Hiring a public adjuster before a disaster for a risk assessment and to help you choose the right insurance coverage for your property. After a disaster, a public adjuster works for you to get your industrial building insurance claims in Naples paid quickly and completely.

Need an experienced public adjuster for risk assessment or help with claims? Darryl Davis and Associates is ready to assist you. Our industry professionals have the experience you need to find the right policy, understand risk, and if need be, handle all aspects of a claim so you get the best compensation. Call us today to find out more at 954-709-3982!

Flooding doesn’t always end with water damage. Mold growth and the resulting damage can further devastate a property over time. During flooding, water seeps into hidden places and all that trapped moisture weakens the structure and allows mold to grow. After a water leak or flooding, you need to take steps to keep away hidden moisture and growth of mold within 48 hours. Here’s how to prevent mold damage.

1. Clean Up Water to Help Prevent Mold Growth

Hire a professional to deal with potentially contaminated water. Removing all the water quickly is key to prevent further structural damage and to prevent growth of mold.

2. Remove Wet Carpet and Drywall

Mold begins to grow within a day or two after flooding. Wet carpet holds moisture and traps moisture in the subflooring and concrete below. Remove affected carpet and rugs as soon as possible. Rugs may be able to be dried outdoors. Remove damp drywall and subfloor to prevent growth of mold in and behind the materials.

3. Dry Completely and Dehumidify

A complete dry out is necessary to stop mold growth. Your professionals should mop up any water that wasn’t vacuumed up during the initial water cleanup. Industrial fans should also be used to speed up drying. Humidity should also be measured and dehumidifiers used to assist with the drying out process.

4. Sanitize the Space

Flood water may be contaminated. It’s essential to completely sanitize the space. Do not use bleach. Bleach is most effective on surfaces that are already clean, so it’s not the best choice. A cleaning solution should be used that eliminates both bacteria and mold. 

5. Make Sure Your Property Is Draining Effectively to Prevent Mold Growth

Ensure that additional water won’t seep out anywhere. Make sure drainage is working properly. Look for signs of standing water or moisture. Downspouts should extend 6 feet away from the perimeter. Land should also slope away from your foundation to prevent water collecting at the foundation.

Need Help With a Flooding Insurance Claim?

Prevent mold growth and get faster, more complete compensation when you hire a public adjuster to handle your flooding insurance claim. At Darryl Davis and Associates, our team of professional public adjusters is ready to help you with your claim after a disaster. Call us today at 954-709-3982 to book a consultation in Fort Myers or other South Florida area!

Getting an industry professional on your side helps you during a crisis. If your commercial building is struck by disaster, hiring a public adjuster gets you better compensation and faster too. Not sure if you need a public adjuster? Here’s when to contact one for your commercial building insurance claims near Tampa.

Hire a Commercial Building Insurance Claims in Tampa When It’s Not Business as Usual

If the property isn’t open for business as usual, your bottom line is being impacted. Get your claim resolved faster by hiring a public adjuster. They can also help you get compensation for the impact to your bottom line if you have business interruption insurance.

When You Need Help With Your Claim to Get It Paid Faster and at a Higher Payout

A public adjuster helps ensure that the claim is complete and submitted right the first time. Overall, it means faster compensation for you. No claim is too complicated for a professional, as they have the experience you need to get the most out of your claim.

A public adjuster handles the claim for you and uses their industry experience to help negotiate a better deal. They work with your insurance company and keep you in the loop. Often, they uncover additional compensation you’re entitled to, such as smoke damage or mold damage that may go unnoticed.

When You Need an Independent Investigation for Your Commercial Building Insurance Claims Near Tampa

Hiring an independent investigator is to your benefit in some cases. Get advice from your public adjuster, and let them facilitate the investigation for you, freeing you up to focus on your business.

When the Insurance Company Gives You a Low Offer

The initial offer by the insurance company is negotiable, but it’s essential to have the right evidence to back up your claim if you want to negotiate. If you think the initial offer is too low, hiring a public adjuster helps get you the additional support you need to negotiate a higher offer. 

Know Where to Find a Public Adjuster Before You Need One

The public adjusters at Darryl Davis and Associates are ready to assist with commercial building insurance claims near Tampa. If you own commercial property, keep our contact information at the ready, so you’re always prepared. Want to be even more proactive? Contact us for a risk assessment to get a better understanding of the risks associated with your business property. Call us today at 954-709-3982!

Before the next big storm, taking steps to prepare ahead of time is essential to helping protect your investment. Here’s what you need to do to prepare for a hurricane to help minimize damage from winds and other storm-related concerns.

Understand Your Risk

It’s important to understand how your home’s location affects your risk. Is your home in a hurricane evacuation area? Find out before a storm strikes by checking the NOAA website. If you need assistance with understanding risk to your home, hiring a public adjuster for a risk assessment gives you detailed information not only about hurricane risk, but other risks as well.

Gather Emergency Supplies to Help Prepare for a Hurricane

Be ready by gathering supplies early before stores sell out. Make sure you have flashlights, batteries, a radio that is either battery powered or crankable, food and water for several days for each person, sheets of plastic and duct tape, first aid supplies and medications, basic tools, masks to keep out dust and debris, and cell phones with a battery charger, as well as anything else you may need.

Prepare Your Home to Minimize Damage

Keeping trees trimmed around your home helps decrease chances of dead limbs or broken branches damaging your home. Have the materials you need to protect your windows from breaking. Many homeowners board up windows to reduce shattering. When a storm is imminent, bring in objects that might blow over or blow against structures and do damage. Things like planters, garbage cans, and patio furniture should be secured. Park vehicles inside a garage for better protection.

Consider Your Insurance Policy to Help Prepare for a Hurricane

Be familiar with your property insurance policy, so you’ll know what is covered and what steps you are required to take to prepare your property before a storm so that any damage will be covered. If you need additional coverage, add it before the storm. Flood insurance is important because flooding is one main cause of damage during hurricane season. 

Get Professional Assistance With Your Insurance Claim

Don’t go it alone – hire a public adjuster in Fort Myers / South Florida to handle your insurance claim after damage from a storm. The adjusters at Darryl Davis and Associates help you get faster, more complete compensation, so you can move foward after a disaster. Call us today at 954-709-3982.