When a hurricane takes the roof off a building, or a building envelope failure pushes water into a dozen units at once, the board is suddenly responsible for a claim that is larger and more complicated than a single unit loss. The carrier sends its own adjuster within days. That adjuster works for the carrier.
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Thank you. Someone from Rapid Public Adjusters will call you within the hour. If you need us now, call (305) 226-8600. We answer 24 hours a day.
Rapid Public Adjusters, Inc., Florida public adjusting firm W968798
Owner Hector M. Rodriguez, public adjuster P171739
Rapid Public Adjusters, Inc. is a licensed Florida public adjusting firm that represents the association, not the insurance company, on common element claims.
Miami Based, Working Statewide
We are based in Miami, and we handle claims throughout Florida. Working South Florida association buildings year after year is what built the depth we bring anywhere in the state. High rise coastal buildings, cast iron plumbing failures, hurricane exposure, and boards that have been through it before.
We Move Fast on Association Losses
Association claims are shaped by what gets documented in the first days after a loss, before repairs start covering evidence.
- 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
Association Losses We Handle
Association claims rarely stay simple. A single cause of loss usually shows up in several places at once, and the damage crosses the line between common elements and individual units. Most of what we see on association buildings traces back to hurricane and wind damage or water damage.
- Hurricane and wind damage to roofs, windows, railings, and exteriors
- Roof covering and roof system claims, including code required upgrades
- Cast iron plumbing failures and water damage to common elements
- Building envelope leaks that reach multiple units from one building cause
- Losses where units cannot be fully occupied while repairs are underway
What a Board Is Actually Facing
The board did not sign up to run an insurance claim. But the association's policy puts the responsibility there, and the decisions made in the first few weeks, including how the damage is scoped and what gets documented, tend to set the ceiling on what the association recovers.
Meanwhile the unit owners want answers, the manager is fielding calls, and the carrier is working from its own estimate.
Our role is to take the claim off the board's desk and put a licensed adjuster on the association's side of the table.
We do not discuss the claim with individual unit owners unless the board asks us to. One claim, one channel, one set of answers. If the board works through a management company, see how we work with property managers.
Not an association? If the building is owned by a single owner or entity, that loss runs as a commercial property claim instead.
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 person authorized to sign for the association. That agreement is what allows us to act on the association'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 full extent of the common element damage
- 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 board, or the manager the board names, updated at each step
Frequently Asked Questions
What does a public adjuster do?
A public adjuster represents you, not the insurance company. We handle your claim from A to Z, so you can get on with your normal life. We inspect the property, review your policy, document the damage, prepare the estimate, and deal with the carrier until the claim is resolved, and we keep you informed at every step so you're the one making the decisions.
Do you work with condo associations, HOAs, and commercial properties?
Yes, Rapid Public Adjusters has nearly 20 years of experience working residential, commercial, and large loss claims. We know how important it is to document claims of that magnitude, and to relay that information to the insurance company effectively, in order to support full and fair coverage and payment for such claims.
How quickly will someone contact me?
We answer all calls and return them 24 hours a day, specifically emergency calls. If we miss a call, we'll return it in less than an hour, and in most cases we schedule a free consultation or site inspection the same day, or based on the client's earliest availability.
My claim was denied or underpaid. Can you still help?
In many cases, yes. Carriers sometimes don't fully investigate a claim. We review the carrier's decision, your policy, and the damage, and where it applies, we give the carrier the documentation needed to challenge the coverage decision and push for a fair resolution. Call us to talk through your claim.
How much does it cost, and do I pay anything upfront?
You don't pay anything upfront, and your consultation to discuss the claim is free. We work on a contingency fee basis, so we only take on claims we believe have a real chance of success. There are no hidden fees. We'll go over every fee and how the contingency applies to your claim when we talk it through with you. Your time matters, and we never want to waste it.
What's the difference between you and the insurance company's adjuster?
Rapid Public Adjusters is always the adjuster on your side. The insurance company's adjuster works for the insurance company, so their interests are aligned with the carrier, and unfortunately that isn't always what's best for your claim. If insurance adjusters and insurance carriers truly did their job properly, our business would not exist.
How long does a claim usually take?
Every claim is different. How long it takes depends on the insurance carrier, the insurance adjuster, and a long list of other variables. Under Florida law, insurers generally must pay or deny a residential property claim within 60 days of receiving notice, though that deadline can be extended in certain situations. At Rapid Public Adjusters, we keep your claim moving and apply pressure when necessary so the carrier reaches a coverage decision as soon as possible.
¿Hablan español?
Sí. Nuestra compañía habla español y todos nuestros tasadores son bilingües, y estamos preparados para hablar y comunicar tus deseos con la compañía de seguros en la manera más efectiva para tu reclamo.
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 an association claim. 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
Tell Us About the Association Claim
Send us the details and we will call you back the same day. There is no fee for the initial inspection.
Thank you. Someone from Rapid Public Adjusters will call you within the hour. If you need us now, call (305) 226-8600. We answer 24 hours a day.
Rapid Public Adjusters, Inc., Florida public adjusting firm license W968798.
Hector M. Rodriguez, owner, Florida all lines public adjuster license P171739.
This page is an advertisement for public adjusting services. We cannot and do not guarantee any result, payment, or outcome on any claim.