Residential Claims
Our homes are not only the largest investment in our life, but it’s an emotional attachment to the memories and personal possessions that solidify our lives. When damages happen the immediate obligations are to family and employment, not to making decisions for insurance purposes under duress.
We work diligently with homeowners in every step
The burden of proving the residential claim is up to the homeowner, not the insurance company
Having the knowledge and skill set to address the claim enables homeowners to make sound decisions that is best for them. Homeowners should know their loss options and duties under the insurance policy.
Taking the emotional attachment from the process is key to successfully navigating the claim process
Our homes are not only the largest investment in our life, but it’s an emotional attachment to the memories and personal possessions that solidify our lives. When damages happen the immediate obligations are to family and employment, not to making decisions for insurance purposes under duress.
Make sure your claim value is being documented and presented properly
Homeowners look to our firm as a resource to ensure their policy benefits are received and interest is protected. Properly and accurately presenting damage claims is your duty, not the insurance company. Make sure your claim value is being documented and presented properly. Meeting with insurance company representatives, experts and contractors is a necessary step in the process.
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
How to handle a residential insurance claim
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
I met Pat Garrett a few days after Hurricane Frances did substantial damage to my shopping center on A1A along the Atlantic coast. His demeanor, knowledge and prompt attention to my claim resulted in a Policy Limits settlement. We were very pleased with GCG’s results.
Sapourn, Esq.
| Paradise Beach Properties, LLC
Melbourne, FL
“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
“This letter is to present our utmost approval of the services received by Garrett Claims Group. Tristan Towers Homeowners Association utilized their skills in estimation, claims proposals and insurance arbitration. Excess of 2 million dollars were obtained as a direct result of their skill and proper presentation of our claims.”
Roger G.
| Tristan Towers Homeowners Association
Pensacola Beach, FL
“No one should have to face the big insurance companies alone, and you were there every step of the way to make sure that our insurance carrier treated us fairly, and that we received the money that we were due. I really don’t know what we would have done without you.”
Culbertson
Pensacola, 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
“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
“We were not getting anywhere with the case until Mr. Garrett was selected. He was kind, honest and helped me to understand sinkholes. He also located and pointed out problems that I never saw. The result was that I got the settlement that I should have gotten. Without him, that would not have been possible.”
Betty
Odessa, FL
“On behalf of the entire Tequesta H,11s 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.
L. Weidman
| President – Tequesta Hills Condo Association
Jupiter, FL
