Multi-Family Claims
Multifamily properties include Condominium Associations, Townhome Associations and Apartment Complexes. Extrapolating, identifying and notifying the liable parities is a daunting task.
Let us establish and defend your insurance claim
Resourcefulness, efficiency and continued communication with owners/management company is paramount
Garrett Claims Group takes care of extrapolating, identifying and notifying the liable parties so you don’t have to.
We orchestrate the many pieces so you don’t have to
Understanding the fiduciary responsibilities of an association coupled with the knowledge to orchestrate all the experts, carrier and insured, and the occupant’s dynamics can be very challenging. Board members create a vetting process through our services and expertise.
FAQ
Common residential claims questions
Replacement Cost Value (RCV) means replacing with materials of like kind and quality.
Actual Cash Value (ACV) is defined as replacement cost less depreciation.
Depreciation means a loss of value due to wear, deterioration, or obsolescence.
Additional Living Expenses (ALE) / Loss of Use is defined as expenses that would not have occurred had the loss not taken place. These are expenses over and above the normal expenses.
Total Loss is a loss that completely destroys or renders useless the insured property or completely exhausts the applicable insurance limit.
Direct Physical Loss – resulting immediately and proximately from the occurrence and not remotely from some other consequences or effects thereof.
Do you have any other questions?
Blog
Latest Articles
Patrick H. Garrett being interviewed by Fox 13 as Expert on Insurance Claims
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Our homes are not only the largest investment in our life, but it’s an emotional attachment to the memories and personal possessions that make up
FAPIA Bulletin Updates on Ban by Some Carriers From Using Public Adjusters
On January 26, 2022, the Florida Association of Public Insurance Adjusters (FAPIA) issued a bulletin in response to recent action by Louisiana Insurance Commissioner, James
Reviews
What Our Satisfied Clients Have To Say
“Thank you for all the hard work you performed on our fire loss. Your negotiating skills and knowledge of insurance claims was beyond expectations.
I highly recommend anyone dealing with an insurance company to use you. With the altered insurance contracts, wrongly written check and the way the insurance company basically ignored us we would have been “up a creek” without you.”
The Welchs
Davenport, FL
“I just wanted to send a little note with a great BIG thank you for all that you both did for me. May God richly bless you for your professionalism, expertise, and kindness during the past 17 months. Your help in answering my questions and keep me abreast of everything were exemplary.”
Wright
Dade City , FL
“We had the pleasure of working with Mr. Patrick Garrett and his company, Garrett Claims Group regarding our property insurance claims. If we had not engaged Mr. Garrett’s services we would have settled for substantially less regarding our two claims. In fact, he evaluated and examined the pre-existing claim that was over one year old and was able to recover additional monies owed by the insurance company.
The professionalism and high level of expertise exhibited throughout the claim process was unprecedented. We were kept abreast of every loss issue making it as if we had handled it ourselves. It was extraordinary to have someone with such involvement, personal interest and the ability to develop a meaningful loss resolution. Should we ever have another such situation Mr. Garrett’s firm will be contacted to administer the insurance matters. Having one facilitate all our insurance loss issues without our unnecessary direct involvement or interruption of our daily routines was extraordinary.
We highly recommend Mr. Garrett’s unquestionable experience, aptitude and negotiating skills for any property insurance claim one may encounter. Implementing a fervent advocate is one of the most important decisions a policyholder can make.”
K. Harris
Sarasota, FL
“You were the best liaison. I am delighted with the outcome and would highly recommend you and your company to anyone in need of an excellent public adjuster, appraiser, negotiator, and/or contractor. Your business acumen and experience, as well as, your superb negotiation skills enabled me to recoup a great deal of the insurance monies to which I was entitled. I was able to get back into my condo with the assurance that all water, mold, and construction remediation issues were addressed and resolved.”
E. Bryan
Bradenton, FL
“Your help, support and guidance throughout the process of obtaining a fair and just offer of payment for our claim was immeasurable. Having you as our advocate was such a source of comfort in a very stressful situation. Your attention to detail made a huge difference in OUR monetary recovery from State Farm Insurance Company.
Additionally, your prompt response to any communication was so reassuring. Your staff and support team were always so professional and helpful; we never once worried that our messages were falling on deaf ears!
Patrick, we will NEVER forget the exceptional professionalism exhibited, by you, during the third inspection with the State Farm Adjuster. He was as close to rude as we have ever seen. You handled a rather uncomfortable (and emotional) situation with the utmost tact and decorum. Obviously, your smoothing words and keen insight worked; you doubled the original offer made to us by State Farm!”
Dr. and Councilwoman Zimmern
Gulf Breeze, FL
On behalf of the entire Tequesta Hills Condo Association and the Board of Directors, I’d like to take this opportunity to thank you both for your unyielding faith in our claim. Your constant communication and strong negotiating skills provided us with an unexpected outcome that would have been impossible without you.
Weidman
| President, Tequesta Hills Condo Association
Miami, FL
