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
Those impacted by Hurricane Irma should understand their obligations and the initial steps when making an insurance claim. It is simple to make the claim
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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
“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
“Your knowledge and expertise in preparing the necessary documentation, and handling the negotiations, was instrumental in our reaching this agreement. It was a pleasure working with you. On behalf of the Board and all the Owners, our deepest thanks.”
E. Lavendier
| South Shores Oceanside Condominium Association, Inc.
Melbourne Beach, FL
“You and your team of public adjusters have been a great help to my clients during catastrophic losses. Your background as a general contractor and expertise in the construction field not only helped when handling hurricane claims, but in many other property disputes. You and your staff are professional, dependable and always give me 110% when handing a claim.”
J.F. Lakin
Bradenton, FL
“My words cannot adequately reflect how pleased I am with the results you obtained for us. Thank you from the bottom of my heart. I would strongly recommend you and your company to anyone interested in securing a fair and just recovery of their losses under the provisions of their insurance policy.”
Shultz
Lutz, FL
“I don’t even want to think what results I would have had had I not had the good fortune of hiring you. As aggravating as it is to find out you have a sinkhole on your property and to have to deal with an insurance company, you made the process a great deal easier.
Durie
Tampa, 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
