CLAIMS

Water Damage
Water damage includes broken pipes, A/C leaks, dishwasher leaks, shower pan leaks, etc.

Roof Leak
The combination of sun and rain severely damages the roofs of our buildings and makes them more susceptible to leaks. These leaks which come through the ceilings of our homes and business and cause all sorts of damage are normally covered by Insurance.

Wind / Hurricane Damage
Hurricane and Tropical Storm force winds are extremely destructive to our homes and businesses. It is extremely important and recommended for property owners throughout Florida to purchase Windstorm/Hurricane Insurance to protect their assets. Insurance companies notoriously underpay Hurricane Claims.

Mold
Mold damage claims are complex, because of the mold exclusions or limitations that are found in most insurance policies. When our clients ask us for help settling a mold damage claim, our first priority is to investigate whether the mold damage can be linked to water damage for which a claim may be made under the insurance policy. If the mold took hold after a pipe burst or after water intrusion due to rain, then the mold damage claim may be tied to water damage, in which case we can make a strong argument that the mold exclusion should not apply.

Flood Damage
Floods are often just as destructive as Hurricanes and most people simply do not buy flood coverage. This is a mistake. Flood coverage is relatively cheap and provides tremendous protection that is not provided by a typical homeowner’s policy. Flood claims need to be handled by a professional Public Adjuster as the Flood policy coverage’s are unique and unlike a typical homeowner or business policy.
Fire Damage
The most important thing in a fire claim is to make sure that everyone is safe and sound. Fires are extremely dangerous and destructive. In addition to the actual damage from the fire’s flames, smoke damage is very dangerous and damaging. The resulting damage from a fire must be professionally evaluated by an experienced loss consultant and estimator to ensure that the homeowner is properly indemnified. Additionally, numerous law and ordinance issues often arise in these claims.
Theft / Vandalism
The true damages from theft and vandalism can be complicated. The problems and damages that occur during theft and vandalism are not always noticeable or visible upon first review or inspection. Our team of experts carefully assesses the damage to both property and contents to provide a thorough evaluation and report of the damages.
Loss of Business Income
If not handled quickly and professionally, Loss of Business Income claims are often devastation to the ongoing operation of a business. Business Income Insurance can prove to be the foundation for the survival of a business whose operations have been interrupted by a devastating loss. Having the coverage is not enough. Understanding this complex coverage is critical as misunderstanding it can only magnify the loss. It is best to let a professional loss consultant handle this portion of the claim in conjunction with an accountant.
Appraisals/Estimating Services
If not handled quickly and professionally, Loss of Business Income claims are often devastation to the ongoing operation of a business. Business Income Insurance can prove to be the foundation for the survival of a business whose operations have been interrupted by a devastating loss. Having the coverage is not enough. Understanding this complex coverage is critical as misunderstanding it can only magnify the loss. It is best to let a professional loss consultant handle this portion of the claim in conjunction with an accountant.