Insurance policies are designed to respond to the unexpected damage event. An insurance policy is not designed to provide reimbursement for lack of maintenance issues that occur to your property. Ignoring responsible maintenance requirements of a structure not only allows for premature degradation of your property but sets you up for additional problems if and when you suffer damage from an event causing you the need to file a claim with your insurance company. Waiting until your commercial property is damaged before considering needed repairs or service is perhaps the worst approach towards receiving fair coverage. Getting what you are owed can depend on what you do long before disaster happens. Maintaining a good flow of preventive maintenance records can strengthen your commercial insurance claim and help you avoid needless headaches.
Altieri Insurance Consultants Fort Lauderdale is the partner property owners rely on for dependable commercial insurance claim services! Get a jump on your next claim with expert pre-loss planning near you.
What Are My Preventive Maintenance Records?
A simple receipt with the dollar amount for your repairs isn’t always enough to prove preventive maintenance for your commercial property. To circumvent any hiccups during the claims process, make sure your maintenance records contain this crucial information:
- Exact date of service
- Business location
- Contractor identification
- Serial numbers
- Parts and materials
- Explanation of tasks performed
- Notes on findings and correlating repairs
It also helps to have records of any inventory kept at your commercial property in Fort Lauderdale in the event of damages to your valuable assets.
Read more > Storm-Damaged Inventory: Proper Recovery Through Accurate Valuation
How Preventive Maintenance Records Support Your Commercial Claim
Why do insurers in Florida want preventive maintenance records? Most times, they want to avoid disputes over wear-and-tear or pre-existing damage vs sudden accidental damage just like a policyholder would. Disputes like this take up time on both sides, and having irrefutable evidence can eliminate this avoidable step. Maintenance records demonstrate a pattern of what the property has experienced in the preceding days, months, and years. Should good records exist, they prove that the property was well maintained, which could be the difference between getting paid properly on a claim or not being paid at all.
Preventive maintenance records can support your commercial claim in Fort Lauderdale by:
- Hastening the approval process
- Distinguishing wear-and-tear damage from sudden damage
- Preventing denied claims
- Providing an accurate estimate with proof of pre-loss conditions
| Our reputable team of public adjusters near you can help you manage preventive maintenance records as part of our comprehensive commercial claims services! |
What If I Don’t Turn In Preventive Maintenance Records?
Preventive maintenance records aren’t always a requirement for submitting a commercial property insurance claim in Fort Lauderdale, but that doesn’t diminish the consequences of neglecting this area of paperwork:
Without solid proof of pre-loss conditions, your insurer can shift the cause of damage to neglected upkeep or regular wear and tear.
Lack of timestamped records can cause delays in the commercial claims process, ultimately leading to sequential uncovered losses.
In some industries, missing records can be considered a breach of legal conduct. These violations can result in a denied claim and hefty fines.
Public Adjusters Manage the Transfer of Your Preventive Maintenance Records For Commercial Claims
Public adjusters in Fort Lauderdale have a lot of experience in managing preventive maintenance records when handling commercial insurance claims. Here is what these professionals can do for you:
- Advocate for you against denials as your claim representative
- Use your maintenance records to advance your position in the claim with your insurer
- Use your maintenance logs to prove your commercial property’s upkeep
- Determine your commercial property’s pre-loss condition
- Help compile all necessary maintenance logs for claims submission
Hire Public Adjusters That Local Businesses Trust. Reach Out to Altieri Insurance Consultants Fort Lauderdale Today!
Always stay two steps ahead when you trust Altieri Insurance Consultants Fort Lauderdale to help you get your life back! We specialize in commercial property insurance claims, from pre-loss maintenance records to settlement negotiations. Call (813) 247-4757 for a team of public adjusters you can count on.
