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Prepare for Tropical Storm Nicole by Cohen Law Firm

Prepare for Tropical Storm Nicole by Cohen Law Firm

Prepare for Tropical Storm Nicole

by Cohen Law Firm

Homeowners & Property Owners Preparedness Tips:
It is extremely important for you to have records of your property’s condition in the event that you need to file a claim with your insurance company.
Before The Storm:
  • Take photos of your property- Interior of Home, Exterior of Home, Roof, Pool and Pool Area, Fencing, Trees, Front Yard, Back Yard.
  • If you are not able to take photos before a storm, collect the most recent photos you have taken of your property.
  • Document belongings- with proper documentation, you may also be able to recover lost expenses for home contents, personal property, and other items. Here is a list of some items to consider keeping receipts for or appraising: Televisions, Furniture, Jewelry, Artwork, Appliances, Computers, Antiques, Beds, Decks, Other Electronic Equipment
  • Know what is in your homeowner’s insurance policy.
  • Have records of your property’s condition in the event that you need to file a claim with your insurance company.
  • Review your mold coverage.
  • Review your flood coverage. This is normally separate insurance policy.
  • Ask your insurance agent about coverage for water damage, law and ordinance, debris removal, and additional living expenses.
  • Check your hurricane deductible, it can be much higher than your regular deductible.
  • Have a plan to move yourself and your family – especially those with special needs.
  • Have a portable radio, TV or NOAA Weather Radio on hand to monitor important information.
  • Homeowners who depend on well water should draw an emergency supply.
  • Get cash or travelers checks in case banks or ATMs are not operational.
  • Ensure all your electronic/mobile devices are fully charged.
  • Gather important documentation and place in waterproof container.
  • Make arrangements for pets; emergency shelters may not let you bring your animals with you.
  • Find out where the nearest shelter is located and the routes to get there.
  • Fill your automobile(s) with gas or ensure your electric vehicle is charged.
  • If you have an emergency power source, learn how to use it properly.
After The Storm:
  • When it is safe to do so, photograph your property’s: Interior, Exterior, and Roof
  • Consult with an attorney experienced in handling insurance claims before giving any recorded statements or meeting with an adjuster assigned to the claim.
  • Call the insurance carrier and timely report the claim.
  • Homeowners should obtain an inspection by a qualified contractor and/or roofer to assess whether the hurricane force winds have damaged or diminished the roofing system and building envelope.
  • Take photos and record the questions and answers when talking to adjusters.
  • Make sure to keep track of the name and number of every person you talk to at your insurance company.
  • Check your Co-Insurance penalties.
  • Make a copy of the insurance policy and keep it in a safe place.
  • Check your policy coverages and sublimits.
  • Just because water has not began to enter the structure does not mean that there is not damage to their property.
  • We have seen too many homeowner claims where an engineer is hired months after the storm and the engineer states the damage preexisted the hurricane.
  • For more information about the work we do with insurance claims, Click Here.
Business Owners Preparedness Tips:
  • Businesses should pay close attention to the storm’s forecast over the weekend. The National Hurricane Center releases a new full advisory every 6 hours, at 5am, 11am, 5pm and 11pm EDT. They are issuing intermediate advisories every 3 hours, between the full advisories (1am, 8am, 1pm, 8pm EDT.)
  • During this time, it’s important to review your disaster and emergency communication plan.
  • Backup all data on servers and personal computers and ensure remote access is available.
  • Ensure your equipment is raised above potential flood levels.
  • Review your insurance policies to mitigate any possible gaps in coverage.
  • Protect and duplicate important business documents and records. Be sure they are accessible from anywhere.
For More Information Click The Link Below:
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DEVELOPERS ARE ON THE PROWL – By Eric Glazer, Esq.

DEVELOPERS ARE ON THE PROWL – By Eric Glazer, Esq.

DEVELOPERS ARE ON THE PROWL

By Eric Glazer, Esq.

I’m already hearing stories of developers making low ball offers to owners in high rise condominium buildings, offering to buy units at bargain prices. Here’s why…..  Developers knows that in building of 25 years or more on the coast or 30 years or more inland, owners are facing massive upcoming expenses.

These include but are not limited to:

  1. Mandatory fire sprinklers or an engineered life safety system;
  2. A mandatory Phase One Inspection;
  3. A likely Phase Two Inspection which will subsequently result in major repairs being required to the condominium property;
  4. A Structural Integrity Reserve Study and the full funding of reserves.

 It’s going to get mighty expensive to remain living in some condominiums and developers know that many owners simply won’t be able to afford it.  Their strategy is to offer you some money for your unit instead of you having to come out of your pocket tens of thousands of dollars or more.

Developers may rely on simply making an agreement to buy everyone’s unit at the same time and if even one owner decides not to sell, the deal is off.

Developers may also have a strategy where they buy enough units to “terminate” the condominium form of ownership.  Under the current statute the developer may wish to accumulate only 80% of all units.  If so, the developer can then file a plan of “termination.”

the plan must be approved by at least 80 percent of the total voting interests of the condominium. However, if 5 percent or more of the total voting interests of the condominium have rejected the plan of termination by negative vote or by providing written objections, the plan of termination may not proceed.

 

If you read the foregoing statute, clearly developers would want to purchase just in excess of 95% of all units so that nobody can stop the plan of termination.  However, some of you may have language in your governing documents that would require a vote of 100% of the owners in order to terminate the condominium.  The question of whether the magic number is 80%, 95% 100% or some other number depends upon whether you have “Kaufman” language or “as amended from time to time” language in your governing documents.  Believe me, it gets complicated.

The bottom line is that many of you will soon be approached by developers looking for a steal.  When this happens, rather than have infighting among those that live and/or own in the condominium, I urge you to seek the advice of counsel on this very complicated topic.

No doubt older buildings will be toppled by developers who will put new ones in their place.  It may be very unlikely that even though you lived there for decades, you won’t be able to afford the prices in the new condominium.  Ladies and gentlemen, gentrification is coming to a neighborhood near you.

Every Sunday watch and listen…Ask Questions get Answers!

We are Jacksonville’s Preferred Roofing Company & Exterior Contractor! Get your FREE Roof Inspection

We are Jacksonville’s Preferred Roofing Company & Exterior Contractor! Get your FREE Roof Inspection

  • Posted: Nov 04, 2022
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Garing Parking Enforcement / Garing Property Services

Garing Parking Enforcement / Garing Property Services

Garing Parking Enforcement / Garing Property Services

We pride ourselves on providing invaluable services to HOAs/COAs and their property managers throughout S. Florida that facilitate the improvement of safety and appearance of their communities while preserving the integrity of property values. Our first division, Garing Parking Enforcement, was started in 2007 to help communities regain and maintain compliance with their vehicle restrictions and parking regulations.

Our second division, Garing Property Services, was just launched with a similar intent of bringing the residences, recreational and common areas in a community into compliance with the community’s governing documents pertaining to the appearance and upkeep of their dwellings.

 

TESTIMONIALS

Dear Paul and the Garing Staff

Just so you know, we were more than satisfied with the patrols. I know what your guy went through at times; the threats […] abusive residents, etc. l also know it would be hard to duplicate this service for little or no cost if we choose to do so because you are extremely reasonable with the costs. You have been a tremendous help to our violation enforcement […] I just personally wanted you to know that we appreciate everything you have done for our community.

Sincerely,

Chuck Forcucci
and the Genesis Board of Directors


Dear Paul

I’ve read carefully the report of Garing’s parking ranger. I have no comment other than l do appreciate very much everything that he did on Saturday night, June 21, 2008 between 12:30 am and 1:50 am.

He conducted his duty strictly in accordance with the professional regulations of your company and the agreement with Sawgrass Preserve HOA. The owners of vehicles that were subject of towing in this incident were very well known as frequent violators, not only in illegal parking, but also in other cases (broken gate arm, tailgating…)

On behalf of the Association l praise the professional stand of your ranger and use this opportunity to thank him for everything he did that night to protect the Association rules. Could you please pass to him our great satisfaction for his approach in conducting of his duties.

Thanks.

Miro Imamovic
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A Condo/HOA guide: How to effectively communicate with owners and residents

A Condo/HOA guide: How to effectively communicate with owners and residents

How to effectively communicate with condo/ homeowners

Written By : Phillip Livingston

While there’s no one-size-fits-all approach to condo communication, there are some basic principles and strategies that can help you maximize communication. For instance, we can all agree that using digital communication tools is faster and more efficient than outdated paper and mail.

Read on to find out how technology and sound communication strategies can facilitate smooth operations and cohesion with homeowners.

  • Communicate as frequently as possible

One of the best ways to capture and maintain unit owners’ attention is to communicate with them frequently. Property management software such as Condo Control Central simplifies the process for you. It offers a discussion forum where unit owners can voice their opinions in a safe and confidential manner.

Residents can use this feature to report property damage in the common areas, and you’ll be able to moderate the forum by adding pre-defined topics.

The event planner tool also makes it easy to inform and update residents about upcoming community events such as get-togethers and AGM meetings.

Tired of printing documents and posters every time you update community bylaws? Say goodbye to printing costs and upload updated documents straight to your community’s file library. It has quick search functionality and allows you to seamlessly notify residents when you upload a new document. Now you’ll have no excuse but to keep unit owners updated on every move.

Make sure your state allows for the electronic transfer of large documents because it’s not legal in every state.

  • Simplify communication

People generally don’t like to actively seek out information so you need to make it easy for them. Otherwise, no-one is going to go out of their way to read the rules unless they’re made visible. Going digital will not only help you to cut costs while captivating people’s attention, but it also simplifies the communication process. Using property management software forums means that you don’t have to rely on residents to open an email, or log in to a website.

But, it’s important to modulate the information you make available to residents online. Intelligently designed communication strategies speak volumes and will help you manage and reduce conflict.

  • Hold regular meetings

Like most condo associations, your condo declaration stipulates how often your board should meet. It’s important to include residents in HOA meetings to promote transparency and honesty. The minimum requirement in most state regulations is for the HOA board to meet annually to plan the yearly budget. But, it helps to hold regular meetings in-between to keep residents in the loop about important issues.

If you want to find out how often your condo board should meet, check the association’s bylaws for detailed information. Most bylaws have a minimum meeting frequency of five to six times a year. It’s important to note that this is merely a suggestion, and the board can choose to meet more or fewer times than that, based on the needs of the community.

Granted, things like weather conditions can contribute to the frequency of board meetings.  Associations that in areas with extreme winters may hold regular meetings to deal with issues like snow removal or lawn maintenance. Some associations need to hold frequent meetings to deal with tenant disputes and other kinds of drama. Larger condo associations with 30, 50 or more units may also meet frequently due to unique circumstances.

The important thing is to address problems as they arise and do so publicly. Don’t allow things to fester as this may lead to detached involvement from homeowners. For instance, if an HOA board holds six meetings in a year, then homeowners should be present for at least half of those meetings.

  • Leverage your online presence

Every association should have a website and social media presence. This makes it easier to raise awareness about the latest association news, meeting minutes, etc.

Plus, you can control the amount of information included on the website and who has access to it.

Most associations use social media platforms like Facebook and LinkedIn as well as association blogs as a way to keep community members in the loop about important news and happenings. Through private groups within these platforms, you can safely and effectively share meeting minutes, community alerts, invitations, and announcements.

The only downside to using public social networks is that you don’t have control over the platform itself. Facebook or LinkedIn’s community and privacy rules can change at any moment. This can affect the way you communicate with association members and compromise privacy. After all, social media doesn’t offer the level of confidentiality required when sharing certain information.

Since these platforms aren’t designed with condo associations in mind, they may not have certain functions you’d find in dedicated property management software.

Social media also comes with issues like out of control comments that cause misunderstandings and communication barriers. For instance, it’s easy for comments posted by board members to be misconstrued as a representation of the board itself, when it’s only the perspective of a single board member. Situations like this can create a hostile environment and lead to unnecessary strife.

This is just one example of how Facebook can instigate controversy trough miscommunication. It’s difficult to moderate comments and conversations that happen on the platform, hence the fighting that often happens on Facebook and other social media websites.

It’s better to communicate with homeowners using an internal platform. That way, you can moderate the conversation and address questions in an orderly fashion. An open forum is a great way to do th
is, along with Control Central’s dedicated announcement feature.

The website builder feature from Condo Control Central is ideal because it allows you to create a customized platform for your community. Here, you can safely share important and mundane information alike. This includes things like your pest control schedule to your recreational event calendar, board meeting schedule, planned improvements and parking requirements to name but a few.

It’s the best way to ensure confidentiality and privacy when communicating with unit owners electronically. It also encourages ongoing interaction between unit owners and can foster a strong sense of community.

  • Encourage disinterested unit owners by showing the financial upside

Are you having trouble with disinterested unit owners? Then you should point out a few reasons why they should take an interest in association affairs. Most absentee unit owners are that way because they don’t live in their units and simply rent them out as an investment property.

In such cases, it helps to incentivize meeting attendance with something like a free gift card or a percentage off from their assessments. At the end of the day, these types of owners are interested in the financial value of the property. So, they will take part in association meetings and affairs if it means maximizing their bottom line or investment.

  • Be transparent

We can’t stress this enough. Transparency is paramount in a condo association because you don’t want unit owners to ever feel alienated or unheard. Transparency is the easiest way to avoid disgruntled unit owners while making sure that you’re sharing all the right information with them.

For the best results, we recommend you consult with state regulations to see what the requirements are. Most states call for regular association board meetings that involve unit owners in every major decision.

The last thing unit owners want is to find out about an important decision via email or text notification. Especially if it affects the value of the property or their quality of life, which it probably will. Everything should be discussed in an open board meeting, and the board should give unit owners due notice before each meeting.

Unfortunately, association boards have been coming up with new ways to exclude board members, much to their detriment. One popular approach is to hold “working sessions” which are board meetings meant to exclude homeowners. The argument commonly used by board members is that they don’t want any interruptions from unit owners.

Even if the board is not planning to make motions during the meeting, community members must be informed of the meeting so they can attend if they want to.

This is the basis of transparency and the first step to building trust and open communication with your community.

  • Share more

Lack of communication is one of the biggest challenges HOAs and condo associations face today. This usually happens because the board fails to share decisions made on the backend. But, it’s important to share as much as possible with homeowners, keeping in mind that that the more transparent you are the more they will trust you.

It might be helpful to distribute regular newsletters either on a monthly or quarterly basis to keep community members in the loop about important issues. Even when an HOA board is experiencing problems with unauthorized renters, it’s important to share these issues so community members know what the board is dealing with.

Don’t forget to distribute the meeting minutes as soon as possible. This could be anything from a few days to a few weeks from the meeting depending on how fast the board approves them. Meeting minutes are a form of communication too and can help to shift perceptions about board transparency.

HOA boards should go beyond legal requirements when it comes to transparency and make financial records available to unit owners. That’s because financial transactions are often a leading cause of suspicion in condo associations and HOAs.

We recommend a yearly audit to improve transparency and the budget mail-out feature from Control Central is a lifesaver. It offers customized mail-out templates that you can use to digitally and automatically mail-out condo fees to residents.


Solutions inspired by the real needs of property managers and self-managed associations.

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Need a REAL tax professional? Call our office and schedule an appointment today. We’re here year round and are always ready to assist you.

Need a REAL tax professional? Call our office and schedule an appointment today. We’re here year round and are always ready to assist you.

  • Posted: Nov 04, 2022
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Charlotte, North Carolina: Resident Mehef Bey, a.k.a. Arthur Daniels, has pleaded guilty to conspiring to defraud the U.S. by promoting a nationwide tax fraud and assisting in the preparation and filing of false returns for the participants. Mr. Bey led taxpayers to believe that they were entitled to refunds by convincing them that their mortgages and other debts entitled them to refunds.
Bey, and his fellow conspirators, held seminars across the country to publicize the scheme from 2014 to 2016. They helped prepare and file returns for the participants, which collectively sought more than $64 million in federal refunds from the IRS. These tax returns falsely claimed that banks and other financial institutions had withheld income tax from the participants, entitling the clients to a refund. He admitted he and his conspirators charged their clients $10,000 to $15,000 in prep fees for each tax return. They then concealed their role in the scheme by, among other things, indicating that the false tax returns had been “self-prepared” and coaching participants how to conceal the scheme from the IRS.
The good news is the IRS brought fraud only against Bey and his coconspirators. The bad news is that all those they talked into filing these fraudulent returns so they could receive refunds will end up with a big bill from the IRS for the taxes fraudulently refunded PLUS interest and penalties.
One sure sign you should run from someone claiming to be a tax professional is that they don’t sign both your copy and the IRS copy of the tax return they prepare for you. The law requires them to not only sign their return but also to include their address and tax ID or PTIN (Preparer Tax Identification Number) on every return.

RMS Accounting

1-800-382-1040

RMS Accounting combines quality cost effective accounting and bookkeeping services with a team of tax accounting professionals to help clients make and save more money.

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Accounting and tax services are about more than just numbers on a page. Unlike other accounting firms, when you call us you will get a live human being not voicemail and unlike other accounting firms we will work with you on your business helping you to grow profits and cut taxes. Unlike other accounting firms we will tell you before we begin work exactly what it will cost for our help.

Our tax accounting professionals will be happy to assist you with; tax planning, tax preparation and tax representation.

Our tax accountants are EA’s (Enrolled to practice before the IRS). They know the tax laws and will make sure you don’t pay one penny more than you have to. Visit us for a free consultation with a tax accountant, who will review your tax situation, with you to determine the best course of action. The tax accountant will provide you with a free fee quotation.

 

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WHY THE DIFFERENCES?  By Eric Glazer, Esq.

WHY THE DIFFERENCES? By Eric Glazer, Esq.

WHY THE DIFFERENCES?

By Eric Glazer, Esq.

At a time when it would make sense for the condo and HOA laws to become easier to learn, they are becoming harder.  Much has to do with why in the world are there such differences between the condo and HOA statutes?  It’s actually ridiculous.  For example:

  1. In order to get access to the official records, why does the condo statute allow access if the owner asks for access in writing while the HOA statute requires the owner to request access by certified mail return receipt requested?
  2. Why does the condo statute require condos with 150 units or more to have a website, while an HOA with 150 units or more does not require a website?
  3. Why does the HOA statute allow voting by proxy but the condo statute doesn’t and requires a very strict way of performing the election?
  4. Why do HOA documents expire after thirty years, but the condo declaration never expires?
  5. Why is competitive bidding required in a condo if the amount at issue is 5% of the budget but competitive bidding is required in an HOA if the amount at issue is 5% of the budget?
  6. Why in an HOA, if the owners amend the declaration to prohibit rental terms of less than six months or 3 times in a calendar year, that amendment applies to everyone, even those who did not vote in favor of the amendment ———- however that same amendment would not apply to those who specifically did not vote in favor of the amendment in a condo?
  7. Why does the condo statute require a 75% vote of the owners in order to make a material alteration, yet the HOA statute does not mention material alterations?
  8. Why as of January 1st, 2025 are condominiums required to reserve funds for all portions of the common elements but HOAs are not?

There are more, but you get the point.  There are no reasons of which I’m aware as to why these statutes are different for condos and HOAs, yet they continue to exist.  At a time when it’s confusing enough to learn the laws, The Florida Legislature should amend the statutes so that the laws are the same and fair across the Board, regardless of whether you live in a condo or HOA.

 

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Condominium Unit Owner Insurance The Risks of Not Purchasing Insurance For Your Condominium Unit

Condominium Unit Owner Insurance The Risks of Not Purchasing Insurance For Your Condominium Unit

Condominium Unit Owner Insurance

The Risks of Not Purchasing Insurance For Your Condominium Unit

Do you think you do not need condominium insurance because your condominium association has it? You would be so very wrong if you do! It has happened more times than I can count—the supply line that feeds the toilet ruptures in the upstairs unit while the owner of the unit is out of town, the upstairs unit owner forgot that he or she started to fill the tub and it overflows, or the upstairs unit owner ignores a broken toilet, all of which result in water flowing down into the unit below. Next thing you know, the remediation workers arrive and start ripping out the soaked, damaged drywall in the units below and after cutting holes in the drywall use their industrial-sized blowers to dry things out to prevent mold.

Meanwhile, the downstairs unit owners want to have a “word” with the upstairs unit owner to discuss who is going to pay for the repairs. They demand a copy of the upstairs unit owner’s insurance policy. The owner of the upstairs unit where the leak occurred smiles and explains, “The condominium association has insurance. They’ll take care of it.” Right? Wrong! Even if the condominium association has the duty of repair to portions of the damaged property, typically the damaged common elements, the upstairs unit owner is not off the hook because both the condominium association and its insurance company can often “subrogate” their financial damages against the upstairs unit owner and so, too, can the downstairs unit owners and their insurance companies. At the end of the day, the upstairs owner who caused the damages could have significant financial liability. (In plain English, to “subrogate” a claim means that one party goes after the other for their financial damages for having caused the damage in the first place.)

So, now that I have your attention, most especially if you are a unit owner who does not have insurance for your unit—in the example described above, not only can the upstairs unit owner bear significant financial liability, but even their condominium unit is at risk of being foreclosed to satisfy a judgment against them—and there is no homestead protection! Because the upstairs unit owner decided not to purchase insurance, he could actually lose his unit in a foreclosure. The following explanation is why:

By way of oversimplification, the Condominium Act, more specifically, §718.111(11)(f), Florida Statutes, requires the condominium association to insure everything that the unit owner is not responsible to insure. The unit owner is responsible to insure

all personal property within the unit or limited common elements, and floor, wall, and ceiling coverings, electrical fixtures, appliances, water heaters, water filters, built-in cabinets and countertops, and window treatments, including curtains, drapes, blinds, hardware, and similar window treatment components, or replacements of any of the foregoing which are located within the boundaries of the unit and serve only such unit…  the association is not obligated to pay for any reconstruction or repair expenses due to property loss to any improvements installed by a current or former owner of the unit or by the developer if the improvement benefits only the unit for which it was installed and is not part of the standard improvements installed by the developer on all units as part of original construction, whether or not such improvement is located within the unit.

But, however, the unit owner’s insurance policy, typically referred to as an “HO-6 policy,” not only includes coverage for the items set forth above plus other personal items, but also includes liability coverage for having caused damages to the condominium property.

§718.111(11)(j)1–2, Florida Statutes, makes patently clear that

A unit owner is responsible for the costs of repair or replacement of any portion of the condominium property not paid by insurance proceeds if such damage is caused by intentional conduct, negligence, or failure to comply with the terms of the declaration or the rules of the association by a unit owner, the members of his or her family, unit occupants, tenants, guests, or invitees, without compromise of the subrogation rights of the insurer.

The provisions… regarding the financial responsibility of a unit owner for the costs of repairing or replacing other portions of the condominium property also apply to the costs of repair or replacement of personal property of other unit owners or the association, as well as other property, whether real or personal, which the unit owners are required to insure. (emphasis added.)

Furthermore, also pursuant to §718.111(11)(g)2, Florida Statutes

unit owners are responsible for the cost of reconstruction of any portions of the condominium property for which the unit owner is required to carry property insurance [set out above], or for which the unit owner is responsible, and the cost of any such reconstruction work undertaken by the association is chargeable to the unit owner and enforceable as an assessment and may be collected in the manner provided for the collection of assessments pursuant to § 718.116, Fla. Stat. (emphasis added.)

§718.116, Florida Statutes, is the unit fore-closure section of the Condominium Act which explains the steps necessary to foreclose against an owner’s unit for failing to pay assessments.

In condominium living, the general rule is that the party who has the duty of purchasing insurance for a particular portion of the condominium property also has the primary duty to repair the damages to such portion regardless of fault (unless the condominium association has opted out of that regime by a vote of the unit owners, which is a rarity). But, simply because the condominium association has insurance and may have that primary duty of repair after the insurable casualty event, that does not mean that the negligent unit owner that caused the damage will not be the primary target for reimbursement for expenses incurred by the condominium association’s insurance company or by the condominium association for its deductible and related expenses. The same concept applies for the downstairs unit owners, who could seek reimbursement from the upstairs unit owner for any necessary expense incurred because the upstairs unit owner was negligent.

There are typically two parts to the HO-6 insurance policy, the primary coverage for personal losses and the other for liability coverage. Condominium associations should consider amending their declaration to require every unit owner to have both personal and liability coverage, and at a minimum, liability coverage. Your condominium association should discuss this requirement with the condominium association’s insurance agent as well as review the possibility of amending the declaration of condominium with legal counsel.

Anytime a condominium association experiences a casualty event, in addition to reporting the claim to the insurance carrier, usually through the condominium association’s insurance agent, the condominium association should be in touch with its legal counsel to explore all the different aspects necessary to both repair and reimburse the condominium association for its financial losses. At the end of the day, owning a condominium unit and not having purchased insurance is similar to taking a rowboat out on a rough sea day without life preservers.


Kaye Bender Rembaum, Attorneys at Law

The law firm of Kaye Bender Rembaum, with its 20 lawyers and offices in Broward, Palm Beach and Hillsborough Counties, is a full service law firm devoted to the representation of more than 1,200 community and commercial associations, developers, and their members throughout the State of Florida. Under the direction of attorneys Robert L. Kaye, Michael S. Bender and Jeffrey A. Rembaum, the law firm of Kaye Bender Rembaum strives to provide its clients with an unparalleled level of personalized and professional service that takes into account their clients’ individual needs and financial concerns.

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10 Tips to Maximize Your Property Insurance Claim by The Maus Law Firm

10 Tips to Maximize Your Property Insurance Claim by The Maus Law Firm

  • Posted: Nov 03, 2022
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10 Tips to Maximize Your Property Insurance Claim

by The Maus Law Firm  / Call (954) 784-6310  now for a free consultation.

 

#1). Take photos of the damage, right away.

#2 Don’t Let the Problem get Worse.

If you have roof damage, add a tarp to cover the damage. Your insurer will not cover you for damage that you could have prevented. You will be able to claim reimbursement for these temporary repairs

#3) Save your receipts

#4) Preserve or Save Damaged Items.

You will want to clean up and throw out items that are beyond repair – They are evidence, so show your insurance adjuster.

#5) If damage affects your neighbor, do not communicate or argue with them. Too many neighbors start disputes without realizing that their own insurance companies have a different views.

#6) Prepare a complete home inventory. Plan ahead of time. It will save you time and money.

#7) Your home inventory may include more items than you think.
Did you know interior AND exterior and landscaping items might be covered by your policy? Check to see if your policy covers food and sundries. Add up how much it will cost to restock the pantry and freezer.

#8) Examine the damage before the adjuster arrives.
You know your home better than anyone. Point out cracks, or breakage, indicating structural or related damage.

#9) Get your own repair estimates from contractors.

#10) Keep a log of all communications regarding your claim.
Include written correspondence, phone calls, voice mails, and email messages with your insurance company, contractors.
Be vigilant in monitoring bills and receipts.

 

The reality of the insurance business is that companies exist to make money. They need to minimize the amount of claims it pays out; while, maximizing the premiums that it collects.

Hiring the best Fort Lauderdale property damage insurance claims lawyer you can find, will save you the headache later. We will competently and aggressively represent you in your homeowner property damage insurance claim, or commercial business insurance claim.

 

Local: 954.784.6310

Email: Jmaus@mauslawfirm.com

 

 

 

 

 

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1st Choice Restoration Consultant Inc./dba Roofing Team. An SFPMA Member, Licensed and Insured Roofing Contractor in the State of Florida.

1st Choice Restoration Consultant Inc./dba Roofing Team. An SFPMA Member, Licensed and Insured Roofing Contractor in the State of Florida.

  • Posted: Nov 03, 2022
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Meet Eduardo Mondragon, the President of 1st Choice Restoration Consultant Inc./dba Roofing Team. An SFPMA Member and Licensed and Insured Roofing Contractor in the State of Florida.

This introduction is to let you learn more about our goal to working with the property management, condo and hoa’s to provide you our services.

We have a lot of experience accumulated over 30 years in the construction sector and specialized in Roofing. My crews are bilingual. I am located on Palm Beach, We do all phases of roofing like repairs, re-roofing, new construction roofing and roof maintenance.

1 Choice Restoration Consultant Inc

Roofing, Waterproofing & Stone and Building Restoration

Our corporate experience and the individual skill of our superintendents and tradesmen are keys to a successful job. We know what materials and techniques will yield the highest performance for your specific conditions and budgets. We advise clients on the methods most appropriate for cost and time savings. The best evidence of our successful craftsmanship is the long list of repeat customers, owners, contractors and construction managers who invite us to work on their projects.

Our strength is in our ability to address any situation presented. Whether it is development and completion of yearly maintenance plans, or the complete structural restoration of a structure, we have the knowledge, ability, and manpower required. Our knowledge and experience allows us to work hand in hand with owners, operators, and engineers in the development and implication of project budgets, repair techniques, and high-quality on-time repairs.

Learn more and please contact us for your roofing projects.

 

Eduardo Mondragon
Roofing Team dba 1st Choice Restoration Consultant Inc.
561-929-4329 Office
561-889-6520 Cell
407-779-8306 Cell
561-258-8205 Fax
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