For Property Managers and Community Association Managers
Three things happen in your buildings that a public adjuster can resolve — at no cost to you, your owners, or your residents.
I’m Robert Mack. Licensed Florida public adjuster, Lic. #A161638, based in Montverde, FL 34756. I’ve been in the insurance industry since 1991 and I work Lake, Orange, Sumter, and Polk.
I’m not asking for your association’s claims. I’m telling you about three situations you’re already dealing with, where there’s a policy that can pay and usually nobody files.
1. Tenant-caused damage
A resident overflows a tub. Leaves something on the stove. Breaks a fixture.
Right now the options are bad: the owner absorbs it, or you go after a security deposit that doesn’t come close, and now you’re in a dispute with a resident you still have to manage for another eight months.
A renters policy has a liability portion. It covers damage the tenant caused to the property. That is what it exists for.
Most residents don’t know it. Most managers don’t either — it isn’t taught anywhere, and the carrier isn’t going to volunteer it.
Filed properly, that coverage can pay for the repair instead of the owner eating it. The resident isn’t sued, isn’t evicted, and doesn’t lose a deposit. The unit gets fixed with insurance money.
Move quickly on these. Policies require prompt notice, and carriers do deny for late reporting when the delay hurts their investigation.
2. Mold, water, and a resident who can’t live there
You know this call. Mold in a unit, or water from the unit above, and now a resident is telling you the place is unlivable and asking what you’re going to do about it.
Their own renters policy responds to that — their belongings, and in most cases a hotel while the unit is repaired.
Almost no renter knows this. They’ve been told their whole lives that the building is the landlord’s problem, so it never occurs to them that they carry coverage for their own losses. They call you instead.
When their policy pays for their contents and their displacement, the pressure comes off you, and the resident is made whole by insurance rather than by an argument.
3. Association and owner claims
Where an association loses money usually isn’t the damage the board can see — it’s the allocation the carrier controls. Master versus unit. What’s building and what’s betterment. Ordinance-and-law coverage that never gets claimed.
A settlement that lands short becomes a special assessment, and the owners feel that a great deal more than they feel the loss.
I document the loss, read the policy for coverage the carrier didn’t volunteer, and negotiate what it actually owes.
What this costs you
Nothing.
I’m paid a percentage of what’s recovered on a claim. No recovery, no fee. There is no cost to you, no cost to the association, and no cost to a resident for finding out whether they’re covered.
I don’t take your residents’ money. They’re paying premiums already — this is about whether the policy does what they’ve been paying it to do.
What I’d suggest
If you want to see whether this is real before you send anyone my way: give me twenty minutes with your team. I’ll walk your managers through the tenant-liability coverage and the renters-policy angle, and they’ll be able to use it whether they ever call me or not.
Or call me the next time one of these three lands on your desk, and see what happens.
Related: How a renters policy actually pays · Denied or underpaid claims · Condo & association claims
Robert Mack
Licensed Public Adjuster · Lic. #A161638
Public Loss Adjusters, LLC · Montverde, FL 34756
352-353-4556 · rmack@placlaim.com
Lake · Orange · Sumter · Polk