When a business suffers property damage, filing an insurance claim may seem straightforward: document the damage, contact the insurance company, get an estimate, and begin repairs. For commercial properties, however, an insurance claim can involve much more than the cost of repairing a building. A single loss may affect the building, equipment, inventory, furniture, technology,...Read More

A fire can cause extensive damage even when the flames never directly reach every part of a property. After a fire, smoke, soot, ash, and persistent odors can travel throughout a home or business, affecting walls, ceilings, flooring, HVAC systems, furniture, electronics, clothing, and personal belongings. In some cases, smoke damage can extend far beyond...Read More

A commercial fire can affect far more than the part of a building where the flames occurred. For a Tampa business owner, a fire can result in damage to the building, equipment, inventory, furniture, electrical systems, computers, documents, and other business property. Smoke and soot can spread well beyond the area directly affected by flames,...Read More

What Condo Associations, HOA Boards, and Property Owners Need to Know When a condominium community or homeowners association in Tampa suffers property damage, filing an insurance claim can be significantly more complicated than a typical residential claim. A single storm, hurricane, plumbing failure, fire, or roof loss can affect common areas, buildings, individual units, association...Read More

Lightning strikes are a common risk for Florida property owners, and Tampa’s frequent thunderstorms can put homes and businesses at risk of sudden and expensive damage. A lightning strike does not always leave obvious physical damage. In some cases, the most significant losses occur inside the property, damaging electrical systems, appliances, electronics, HVAC equipment, plumbing...Read More

Water damage can be one of the most disruptive property losses a Tampa business can experience. A burst pipe can flood an office overnight.A plumbing failure can damage inventory.A roof leak can affect equipment and electrical systems.An HVAC or appliance failure can force a business to temporarily close. For business owners, the problem isn’t only...Read More

You thought your insurance claim was over. The insurance company inspected your property, issued a payment, and eventually closed the claim. Then you discover additional damage. Maybe the repairs reveal damage that wasn’t visible during the original inspection. Maybe the insurance estimate didn’t include everything that needed to be repaired. Or perhaps you realize that...Read More

A plumbing leak can start with something that seems relatively minor—a dripping pipe, a leaking water heater, or a broken supply line—and quickly turn into a major property insurance problem. Water can spread behind walls, under flooring, through ceilings, and into cabinets and insulation. If the problem is not addressed quickly, it can also contribute...Read More

Water damage and flood damage may look similar after a storm, but they can be treated very differently by insurance policies. For Tampa property owners, understanding the difference can be especially important. Tampa experiences heavy rainfall, tropical storms, hurricanes, localized flooding, and other events that can introduce large amounts of water into a property. The...Read More

Mold can develop quickly after water enters a property, especially in Florida’s warm and humid climate. A plumbing leak, roof leak, storm, hurricane, or other water-related event can create the moisture conditions that allow mold to grow behind walls, under flooring, around appliances, and in other hidden areas. For homeowners and property owners in Tampa,...Read More