How to File a Business Damage Claim in South Florida

Your business or business property was damaged in South Florida and now you’re left wondering what to do. The first step that should be taken is to file a property damage claim. Before doing so, it’s best to call a lawyer so they can help figure out the logistics of the claim and have them speak to the insurance company for you. A lawyer can help provide the best advice when you file a business damage claim in South Florida.

In the state of Florida, the most common type of damage we see is from drivers. This can be from another accident or a direct accident on your property. If this is the case, you would file a business damage claim with the at-fault driver’s insurance company. If the vehicle that was used to cause damage is also damaged, the driver would need to file a claim with their insurance company. 

A business damage claim in South Florida can be covered by liability, collision, or comprehensive insurance. The coverage will depend on what type of accident has occurred and what was damaged as well. As an example, if a piece of business property was damaged due to theft or fire, renters’ insurance may cover these damages. If the damage is caused by a vehicle, then liability, collision, or comprehensive insurance can cover these damages. 

Reliant Adjusters has been helping people file a business damage claim in South Florida for years. We also help with a number of other claims as well, from theft to water damage. With our wealth of experience, we wanted to help guide you through the process of filing a business damage claim in South Florida.

Business Damage Claim in South Florida

Steps in Filling a Business Damage Claim in South Florida

No matter how the damage is caused, whether it’s natural causes or a car accident, there are a few steps that need to be completed in order to file a business damage claim in South Florida.

  1. Report the Business Damage to the Insurance Company

Once the damage has occurred to your business’s property, now is the time where you should file the damages to your insurance company, even if it’s renter’s insurance. It’s best to speak with a lawyer first as they can help gather the proper evidence and speak to the insurance company, giving you the best case. This can help get the best settlement for the damage done to your property. 

  1. File a Business Damage Claim in South Florida

You will now want to file a claim with your insurance company, or if the damages were caused by another person, with their insurance company. You want to file these claims as fast as possible. In the state of Florida, you have four years to file a property damage claim, but the sooner you can file, the better chances you have at getting a better settlement and the more evidence you have for your case. 

  1. Work with an Insurance Adjuster

Once your claim has been filed, an insurance adjuster (like Reliant Adjusters) will be assigned to your case. An adjuster is there to assess the damage to your property and give you an estimate for what your settlement should be. They also help assess who caused the accident and who, if anyone, is at fault for the damages. This is why it’s important to gather as much evidence as possible, whether it’s pictures or videos. 

  1. Finalize the Payout of the Claim

Once the adjuster makes a settlement, you will finalize the payout given from the insurance company and sign a release stating that you will no longer pursue this claim. If you feel that what you are getting isn’t fair. Decline the settlement and call a lawyer to help get a better payment. 

This is a brief overview of what to do when filing a business damage claim in South Florida. Depending on what damage has occurred, it can change what needs to be done. Know that you’re never alone when going through this process. Reliant Adjusters is here for you and wants to help you get the best settlement possible for your damages. If you have any other questions or need help getting a settlement, visit our contact page today!


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