TYPE OF CLAIMS



When most people think of an insurance claim, they immediately think of some sort of catastrophic event for which they need to file a claim. However, most policies of insurance provide coverage for many other types of losses which should be carefully considered.

Our Public adjusters are professionals, licensed and bonded by the state to represent the insured’s best interests. This is where public insurance adjusters are able to offer assistance. These individuals work strictly for the insured they represent by compiling documentation, utilizing licensed engineer and contractor reports, preparing a precisely detailed estimate of what is required to properly repair property and belongings

Contender Claims Consultants public adjusting services provides professional insurance claim representation for the following types of losses:

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BUSINESS INCOME LOSS INSURANCE CLAIMS

If your business has been interrupted by a disaster, the burden of analyzing the damage and proving your claim to the insurance carrier may ultimately affect the long-term ability of the business to fully recover. 

Whether you suffer an insured loss to a shopping center, manufacturing facility, hospital, or any other commercial property, business owners and their respective risk managers need to understand that each insurance claim is unique and fact specific. 


COMMERCIAL CLAIMS

Commercial property insurance and the losses that may follow come in many types and forms. As an example, a loss to a condominium association building’s common area (the building versus the unit owner’s property) in Florida is considered to be a commercial loss. Therefore, not all commercial losses center on business, trade or commerce alone.

Generally, commercial businesses have their own unique policies and endorsements that in some cases are structured for their specific needs. These policies are often referred to as “manuscript policies.”

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Fire Damage

Recovering from a fire in your home or business can be an overwhelming process. Even the smallest of fires can lead to a complicated insurance claim, especially when the additional damages caused by smoke and water are factored in. The majority of policyholders are not experts in insurance terminology so the claims process can often turn the recovery into a painful and frustrating experience. Contender Claims can help alleviate this pain.


Marine Damage

Living and working in Southeast Florida, the boat capital of the world, we have been seeing more and more insureds with claims on their boats coming through our door.  We have been noticing a trend of these claims being denied for various reasons.  Speaking with several boat mechanics and repair shop owners this has become a real problem.

In the event that you have a boat claim whether it be from a crash, taking on water, sinking or grounding be very careful how you present the claim from the onset.  Keep in mind that in order for a claim to be covered it does need to be ‘Sudden & Accidental’. If you have or have had a boat claim give us a call.

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MOLD DAMAGE

“Mold is gold,” according to some in the claims industry. The growth of these claims has been exponential, with more than 10,000 mold claims currently pending in the United States, particularly in Florida, California, Texas, and Arizona.

Mold and fungi exist everywhere. The spores they release as part of their reproductive process are claimed to cause illness and injury to humans and destroy property containing cellulose. Wood, paper, and the paper coverings of drywall are all vulnerable to mold.


PIPE BURST

When a pipe burst occurs on your property, you’ll need help fast. 

Nearly all homeowners’ insurance policies cover plumbing issues when they are sudden and accidental. For instance, if your pipes burst from accidental damage, or if your toilet overflows and leaks into subflooring, then your homeowners’ insurance is likely to cover the cost of repairs. In these cases, filing a homeowners’ insurance claim is straightforward. With good coverage, you can probably expect your homeowners’ insurance policy to cover leaky pipe repairs such as tearing out walls, water damage, mold repair, replacing tiles, subfloors or ceilings – essentially, your homeowners’ insurance policy will likely cover everything with the exception of the leak itself.

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RESIDENTIAL CLAIMS

Contender Claims Consultants handles residential claims of all sizes for single family homes, townhomes, condominium unit owners and apartment residents. We also work with condominium and homeowner’s associations and their property managers to handle property claims that impact common areas. 

When a loss happens at your home, its effect can be devastating. Fortunately not all losses are so severe that your home will be unlivable. Regardless of the cause or the damage, it is important to make sure you are protected and any insurance adjustment and the resulting repairs are done correctly.


ROOF LEAKS

If you are preparing to file insurance claims for your damaged rooftop, contact us for help. Miami is home to erratic weather, especially throughout the spring and hurricane season. With thunderstorms and hurricanes all possibilities, storm damage to roofing systems is common. But homeowners are not well-versed in the complex process of filing claims and often lose out the financial benefits they are entitled to. We’re here to help.

The first mistake most homeowners make is waiting to call for a roof inspection. Unless there is obvious damage like a leak or puncture, they may choose to wait until the problem becomes clear. But that can be too late. As soon as a storm passes through your area, you should look for signs that your topside surface may have been damaged.

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STORM damage

You’ve heard about it on the news.  You’ve secured the patio furniture, locked the windows, and have provisions in case the power goes out.  You’re ready for this storm.

Only, this one turned out to be more than expected.  Whether it was rain, high winds, hail, or debris, you suspect that your house has been damaged.  It could be something obvious like a broken window, or it could be something hard to see, like damage to the high shingles on your roof.  Most roof damage is very hard to identify from the ground, and it is impossible to assess.


WATER DAMAGE

Water damage to your home can be expensive and time-consuming to repair. There is a lot of confusion about what types of water damage is covered under a home insurance policy. With so many home insurance mold claims being denied, home owners are left with a lot of questions when it comes to water damage to their home. 

Water damage is hazardous to health and dangerous for any home or business, therefore time is of the essence when it occurs. Within minutes of water intrusion, damage can begin. Unwelcome moisture starts by staining ceilings, walls, and floors, and then can turn into dangerous mold growth.

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