Condo Master Policy vs Unit Owner Policy: Who Pays for What?
There’s much confusion surrounding who pays for what when a condominium in Tampa sustains damage. When faced with a fire or burst pipe, it can be difficult to delineate who is responsible for coverage between the owner of the condo and the residents of the unit. This guide aims to clear up the distinction between […]
Restaurant Fire and Water Damage Insurance Claims: A Miami Public Adjuster’s Guide
What’s the worst thing that can happen to your restaurant? Watching it go down in flames, or perhaps seeing it drown in serious water damage that puts it out of commission for months on end. But that’s what insurance is for, right? Still, there are things that you should know to ensure that your establishment […]
How to Respond to a Reservation of Rights Letter – And How We Can Help
What do you do when you get a reservation of rights letter in the mail? You listen to your trusted insurance experts. This guide explains the best way to respond to a reservation of rights letter and how our expert team of public adjusters helps you get what you are owed. Ready to get your […]
Insurers Pushing Floridians To Give Up Rights
Floridians rarely deal with the complexities of property insurance during calm times. Instead, they learn about the industry and details of their policy after hurricanes, floods, fires and other disastrous losses turn their lives upside down. And in those moments, when homes are damaged, families are displaced, businesses are closed, and financial pressure is intense, […]
How Do Public Adjusters Resolve Coverage Disputes Between HOAs And Owners?
Property owners who are part of the Homeowners’ Association (HOA) understand from the beginning that there is a set of rules that need to be followed. But even with a dedicated handbook that lists everything in clear detail, there are some gray areas that can cause friction in the most critical moments. The topic of […]
How Are Emergency Situations Handled After Major Property Damage?
How clearly can you think in an emergency? Stress management isn’t something that everyone is born with, and so making mistakes during critical moments is a common thing that people struggle with, especially property owners responsible for their financial recovery and who have never been through a major disaster claim with their insurer. This is […]
How Long Can Business Interruption Coverage Last In Orlando, Florida?
You’re supposed to be getting compensated for the income you miss out on while your business is down for repairs, but for how long? At what point do insurance companies stop reimbursing for lost income and place you in a financial dilemma? This guide reveals the average duration of business interruption coverage in Orlando, FL. […]
How Is Lost Income Calculated After A Commercial Property Loss?
Every day your commercial property or business is shut down due to damage is a day of revenue that you cannot afford to lose. Interruption of operations creates lost income. At a certain point, your business interruption reaches a threshold that can cause a business to fail; be it financially, through a lost customer base, […]
What Damages Are Covered By A Condo Association’s Master Property Policy In Sarasota?
Condo managers in Sarasota often get a master property insurance policy to cover the most common types of damage that a larger property might sustain in Florida. However, it is imperative not to assume that all damage or property is covered in this one package. This guide lists damages that are typically covered by a […]
How Does Moisture Behind Walls Affect Insurance Claim Values?
Water damage assessments can be relatively clear on the surface. Furniture replacements will cost this, hotel stays during repairs will cost that. But the moment moisture seeps behind the walls, you’re going to need a second calculator. Your insurance claim value will depend on whether that moisture is new or old, and what your policy […]
