Commercial Property Damage Insurance Claims in Florida

Miami Based, Working Statewide

We are based in Miami, and we handle claims throughout Florida. Working South Florida commercial property year after year, retail, office, warehouse, multifamily, and mixed use, in a market with hurricane exposure and carriers that scope tight, is what built the depth we bring anywhere in the state. Much of that work reaches us through the property managers who run these buildings day to day.

Same Day Call, On Site Within 24 Hours

The longer a commercial loss sits undocumented, the harder it is to establish what was actually damaged and what it cost you.

• Contact us and you get a call back the same day
• We are on the property within 24 hours
• No fee for the initial inspection

Commercial Losses We Handle

• Hurricane and wind damage
• Roof and building envelope claims
• Water and fire damage
• Business income and loss of rents when the property cannot operate as usual

A commercial loss is rarely just the building. If the property stopped earning while it was down, that belongs in the claim too. See Business Income Loss.

Why Commercial Claims Get Underpaid

Commercial policies carry more moving parts than residential ones: coinsurance, ordinance and law, equipment, tenant improvements, and income coverage that runs on its own clock. A carrier estimate written quickly tends to capture the obvious building damage and miss the rest.

The scope established early is the scope everything is negotiated from later. That is the part worth getting right.

How We Help

• Document the building, the equipment, and the covered contents
• Prepare and file the claim
• Handle the carrier and the people it sends
• Give the owner one point of contact, or report to the manager the owner names

Initiating the Claim Process

Same day call and inspection. Reach out and we call you back the same day and get on site within 24 hours. There is no fee for the initial inspection.

Once we have reviewed the relevant documents and completed the inspection, we enter into an agreement known as the letter of representation with the insured. That agreement is what allows us to act on the owner's behalf, and any fee is set out in it, in writing, before we are retained.

We work on a contingency basis. We are not paid until you are paid.

That puts us on the same side of the table as you. Taking on a claim we do not believe in costs us our own time and resources, so we do not take one just to take it. If we tell you a loss is worth pursuing, we are putting our own work behind that opinion.

From there we run the claim start to finish:

• Document the building, the equipment, and the covered contents
• Prepare and file the claim with the carrier
• Bring in experts to opine if needed in the case
• Handle carrier inspections, document requests, and negotiations
• Keep the owner, or the manager the owner names, updated at each step

Contact Us

Rapid Public Adjusters is licensed in Florida. We handle claims throughout Florida.

Call (305) 226-8600 or use Contact Us and tell us it is a commercial claim. Include the property type and what happened. We will call you back the same day and be on site within 24 hours. There is no fee for the initial inspection.

Rapid Public Adjusters, Inc.
8833 SW 40th Street, Miami, FL 33165
info@rapidpublicadjusters.com