MARKETS SERVED
APARTMENT COMPLEXES
Get assistance with apartment insurance claims after damage or a loss. Many perils can affect apartments such as fire and smoke damage, wind and roof damage, water and plumbing damage, collapse, and sinkholes. Having a public adjuster on your side to help you or your building manager get through the claims process will be beneficial in making sure all the details are covered and things do get left out like loss of rent and other issues.
RESIDENTIAL CLAIMS
Residential loss or damage can cover different homes such as condos, apartments, townhomes, and single family homes. Make sure you are prepared for the claims process by using a public adjuster to help you understand your full rights and all of the details in your policy.
COMMERCIAL CLAIMS
Commercial claims are difficult since they cover so many different details in the policy. Typically since they are difficult the insurance agency will assign their best adjuster to handle the claim which means you may have to prepare for a complicated claims process due to all the needed paperwork and records. Hire a public adjuster like HDG to assist you in not missing any items like “manuscript policies.”
HOMEOWNER PROPERTY CLAIMS
Homeowner claims are very personal as it is your home and safe haven that has been damage or experienced a loss. You need to be careful during this process to not sign work authorization forms without knowledge of what it really means. The insurance agency believes it is your duty to “mitigate” your loss which means you need to make every effort available to contain the damage or prevent further damage. This is a fine line to walk and it can be difficult alone. Let a public adjuster help you and gain a better understanding of your rights and your policy.
CONDO ASSOCIATION CLAIMS
Condominium association claims are very tricky as they involve several different parties, such as the individual home owners, the board members, and managing association. The statutes in Florida governing who is responsible for making the repairs to the damaged property has changed many times and requires experience to understand what they mean. Condo association documents and other records will be need to be gathered or found and a public adjuster can help you work out what is needed.
BUSINESS PROPERTY CLAIMS
Business property loss or damage is a complicated and time consuming claims process due to all the elements involved in the claim. Inventory, seasonal inventory, building damage, property ownership, profit and loss, furniture, fixtures, machinery, and other equipment need to be taken into account when working on the claim. Understanding how to get the depreciated value of the above items can be difficult get help from HDG Public Adjusters.
STATE AND LOCAL GOVERNMENT CLAIMS
State and local government damage and loss is generally a larger claim due to the size of the properties. Most times the state or local government in charge will wait until a claim settlement has been offered before seeking help from a public adjuster. Get ahead of the process and call HDG Public Adjusters first to make sure your claim gets handled correctly.
HOTEL PROPERTY CLAIMS
Hotel insurance claims are unique in that when a damage or loss occurs to the property it may not damage the entire property but they may still be required to shut the entire hotel down during repairs. In addition if a hotel or property has been grandfathered in for code they will lose this status and need to be brought up to date during renovations. These unexpected costs can add up and need to be taken into account when working with the insurance agency on the claim.
MEDICAL FACILITY CLAIMS
Medical damage and loss can be a very difficult and detailed claims process to handle due to the nature of the risk involved and keeping the health and safety of the patients in mind. You need someone on your team that understands the need to get things up and running in a timely manner while taking into account expiration dates of medication and larger than normal equipment values.
ATTORNEY & CPA ASSISTANCE
Sometimes a loss or damage can result in major legal and financial issues. Policy holders can bring into the process a legal or financial advisor to aid them in the decision making process. These legal or financial advisors can also benefit from advice from a public adjuster to better understand the more detailed areas of the claims process.