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Do you have damages related to contractor operations?

Let Floridian International Adjusters inspect your contractor operation damage with you. Call today for a FREE insurance claim evaluation.

Roofing Negligence

Recovering from resulting property damages caused by a contractor

Unlike first party property policies which insure the property from damages as a result of a covered peril such as fire or hurricane, Commercial General Liability policies cover property damages as a result of a contractor’s operations. At our firm, we find these “occurrences” to happen frequently. The meaning of “occurrences” with regards to general liability claims simply relates to when the damage to the property happened.  Like many other policy contracts, CGL or commercial general liability policies carry exclusions. One exclusion for a property owner to understand is that the CGL policy only covers the property damages as a result of the operations of a contractor, not the actual work or product. Also, understanding the difference between when the work was performed verses when the actual resulting property damage occurred is important when relating it to the commercial general liability policy period for the hired contractor. Commercial General Liability policies will only pay actual cash value instead of replacement cost, it is important that your property damages are carefully appraised. Floridian International Adjusters understands these issues and excels in managing your commercial general liability claim from the beginning and until a settlement is reached acceptable.

Bad Roofing

Everyday property damage scenarios as a result of a contractor’s operations:

  • Fire sprinkler head leaks while installing HVAC equipment
  • Fire & smoke as a result of soldering plumbing water supply lines
  • Water damage inside a building during the process of a roof being repaired or replaced
  • Burst pipes flooding multiple floors as a result of renovations inside a condominium unit
  • Cracks to buildings and foundations as a result of construction and equipment
  • Paint splashing as a result of not protecting surfaces such as floors or furniture
  • Inundated homes as a result of improperly manipulating appliances
  • Water damage inside a building as a result of improper window installation
Roofing Damage

Who is responsible for the resulting property damage?

The initial documentation of your property damage is imperative in providing the evidence needed to create an initial presentation to your insurance company. Taking photos and videos with a smartphone or any other device will help solidify your claim and show important documentation of damaged property that may not be obtainable at a later time. Obtaining the contractor’s business information such as company info, license & insurance, signed contracts and invoices.  Contacting an insurance claim professional such as a public adjuster is beneficial in the documentation of damaged property at the early stages of an insurance claim. We find that business owners, managers, boards and other policyholders at times fail to understand and identify the nature and extent of their damage. Our adjusters have the experience and trained eye that allows us to immediately understand the scope of repairs with clarity.

Your insurance company has an adjuster, you should have your own.

Are you a contractor? Let us help!

We find that many contractors who have the unfortunate responsibility of dealing with a major property damage as a result of their business operations are faced with several challenges. Maintaining a healthy business relationship with a client is paramount while finalizing a project or job. Contacting Floridian International Adjusters can become beneficial simply because our adjusters become point contacts in the claim process. We can assist your client with their property loss and help them with the difficulties of presenting an insurance claim to your commercial general liability insurance carrier.

Reviewing your Policy

Reviewing the contract of the insurance policy is critical in the early stages. A comprehensive investigation of cause and origin of a loss is performed in order to understand the variables of each specific type of loss.  Together with our experts and consultants, we begin to identify, research, examine, estimate, adjust and appraise the overall value of our client’s property loss.

Adjusting your Claim

Communication and negotiations with our client’s insurance company is a process that evolves as the claim development is underway. Issues of policy coverage, local, state & federal laws are addressed. Mitigation and reconstruction of building systems are presented and debated with the insurance company’s adjuster.

Office Buildings

Office Buildings

Let your own insurance claim professional inspect your office or retail damaged loss with you. Floridian International Adjusters is effective in identifying damaged items that you may have not known were damaged or could be claimed to your insurance carrier.

Supermarkets

Supermarkets

When investigating property damage to your supermarkets’ building, its upgrades and the loss of inventory and equipment, it is important to thoroughly evaluate the scope of loss to solidify a claim package for your insurance company. Possible pitfalls such as co-insurance clauses can significantly affect an insurance claim pay out and cripple your business if not properly informed.

Business Interruption

Business Interruption

Issues related to period of interruption and amount of time for the period of restoration need to be carefully documented. Floridian International Adjusters collaborates with experienced forensic accounts to ensure a  carefully executed Business Interruption claim presentation for your insurance carrier.

Condominium

Condominium

We collaborate with Homeowner’s Association (HOA) board members & property managers to effectively coordinate and manage condominium insurance claims  by becoming the point of contact for all parties involved. The importance of understanding master policy vs. unit-owner issues and condominium by-laws is essential in resolving complex issues of coverage.

School Institutions

School Institutions

From universities to early childhood learning centers, Floridian International Adjusters adopts claims handling practices that will ensure your claim is well represented. Issues of maintaining student enrollment, business interruption, business personal property, building & improvements damage and safety requirements become some of the many aspects of an educational institution insurance claim.

Large Loss

Large Loss

Large loss insurance claims require the expertise and careful preparation from a team of experienced public adjusters. Many insurance companies and their “general adjusters” may not have the experience and proper claim skills to understand the issues related to complex large loss claims.

Hotel & Motels

Hotel & Motels

Vacancy issues are one of the many complications hotel & motel owners face after a property loss. You may be faced with a sense of urgency to make property damage repairs and keep your occupants well accommodated to avoid becoming financially burdened. Floridian International Adjusters can successfully assist in preparing a claim management strategy that will prepare you for potential pitfalls.

Religious Institutions

Religious Institutions

Insurances claims involving places of worship require careful documentation & review of insurance policy coverage and benefits. When managing these types of insurance claims, it is imperative to focus on the potential of having to temporarily relocate and avoid losing members of your congregation. Floridian International Adjusters assists all faith-based organizations on their insurance claims.

Boiler & Machinery

Boiler & Machinery

If your business has incurred damages to essential equipment such as: motors, pumps, HVAC systems, aircraft machinery, boilers, renewable energy equipment, transformers, refrigerators, copiers or any other machine, our adjusters can assist you with a mechanical breakdown claim. It is crucial to understand the complexities of each piece of equipment and the resulting negative impact on adjoining equipment.

Restaurants

Restaurants

When navigating through a restaurant property loss claim, you may be faced with many issues involving the scope of property damage repairs, business interruption coverage, health department compliance, building code upgrades, and the loss of employees. Keeping your restaurant open and back in business is imperative before becoming economically challenged.

Industrial

Industrial

Industrial facility insurance claims require specialized strategies that tailor to the business’s operational needs. Priority lies on resolving problems that come along with building alterations, code compliance, OSHA Standards, Business Interruption, value of stock, retention of employees, and repair & restoration logistics.

Medical Facility

Medical Facility

Medical facilities such as hospitals and clinics involve a combination of several issues. Losses ranging from property damage to the building and its’ alterations, mechanical breakdown of equipment such as CAT scan & MRI equipment, and pitfalls related to business interruption are just some of the many aspects of a complex insurance claim to a medical facility.

Don't let the insurance company take advantage of you.

Floridian International Adjusters recovers millions for its clients every year. We work for you, not the insurance company.

Our Public Adjusters Service The Following Areas

Floridian International Adjusters continues to expand into several regions of the US and abroad. Currently, our licensed adjusters can assist property owners with damage in the following locations:

Florida  Virgin Islands
Puerto Rico  Georgia
South Carolina  North Carolina
Virginia  Colorado
Texas  
AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC
RoofTop

Property Loss Consultants working for you!

Founded in a region known for it’s high risk of natural disasters such as tropical storms, hurricanes, floods, fires and other catastrophes. Floridian International Adjusters has become a known advocate for policyholders who have incurred the consequence of property damage to their homes and businesses. Our licensed public adjusters have represented and settled thousands of property insurance claims on behalf of property owners. FIA’s trained staff and adjusters come from many diverse backgrounds such as customer relations, architecture, emergency restoration, marketing, business administration and even from inside the insurance carrier side of the property insurance industry. The combination of these various disciplines gives the firm a competitive edge in excelling the practice of public insurance adjusting, property loss consulting and loss appraisal.

Floridian International Adjusters core principles center on the needs of our clients. Our careful representation and insurance claim management strategies provide your property loss claim with an opportunity to maximize the benefits of your insurance policy coverage in an efficient and pro-active manner. Understanding the nature of identifying damage and properly appraising the value of your claim is our specialty.

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