Landlord vs Renters Insurance

💼 How Smart Landlords Use the Renter’s Insurance Policy to Get Repaired — Fast

Let’s be honest.
Damage happens. Fires. Floods. Mold. Overflowing tubs. Burned-out kitchens. Stuff no lease clause ever truly prepares you for. And when the tenant causes the damage? You’re supposed to eat the loss?

Not exactly.

Here’s what most landlords don’t realize:
The liability section of your tenant’s renters insurance policy was designed to protect you.

Let me say that again—because it’s rarely said at all:
If a tenant damages your unit—even accidentally—you can use their renters policy to cover the cost of repairs.


🧠 “But Isn’t That Their Problem?”

Sure. But whose property took the hit?

Exactly.
You’re stuck with the repair bill, the lost rent, the contractors… unless you know how to make the policy work for you.

We speak fluent insurance. We read these policies like lawyers read contracts. We don’t guess—we adjust.


🔥 Real Examples

  • Kitchen fire caused by unattended stove? That’s liability.

  • Overflowed tub that flooded the downstairs unit? Liability.

  • Clogged toilet with a plunger left unused? Liability.

  • Leaky window AC ruining your floors? Also liability.

All of it can be covered.
But only if you know how to ask.


🤝 You’re Not Suing Anyone. You’re Just Getting Paid.

This isn’t about blame. It’s about coverage.
The tenant already bought the policy. We just help you use it—without needing a lawyer, and without going to court.

We step in, document the loss, file the claim on your behalf, and get it paid.
You get your check. The tenant keeps their security deposit. Everyone breathes easier.


🧩 What If the Tenant Won’t Cooperate?

We’ve been in that hostage negotiation.
We’ve dealt with the tenant who says, “That’s not my fault,” even with smoke on the ceiling.

We don’t escalate—we influence.
With a few precise words and the right paperwork, we get what’s needed. Quietly. Legally. Fast.


💰 Don’t Pay for Their Mistake

Landlord insurance has its place—but using the tenant’s policy means:

  • No deductible on your end

  • No claims against your policy

  • No premium hike next year

It’s the smart play.
And once you’ve done it once…
You’ll never pay out-of-pocket again when a tenant causes damage.


🎯 We Handle It. Start to Finish.

All you need is:

✅ A lease
✅ A damaged unit
✅ A tenant with a policy (or sometimes just a heartbeat—we’ll check)

We’ll handle the rest.


Sound too good to be true?
Let’s talk. You’ll see why hundreds of landlords use our team after the first disaster—because once you know better, you never go back.

I recommend Public Loss Adjusters without hesitation! I finally hired them after being overpowered by the insurance company. I couldn’t take their insistence in declining to pay fairly. They secured the settlement and we got their asking price.

~Beverly M.

Es una compañia con mucho carácter profesional. Ellos manejaron todo con la aseguradora con su conocimiento mucho mejor a que si lo hubiese hecho solo. Tengo mi dinero y me sobro. Ninguna queja. Gracias PLA!

photo~Marco V.

We are so relieved we chose PLA. Not in my wildest dreams would I have thought I had a chance against the insurance company. I gave in and tried. The insurance company caved in and granted us the amount PLA demanded.

~Robert T.

Get a Free Claim Review

Tell us what happened and a licensed public adjuster will review your claim — no cost, no obligation. We only get paid when you do.

Florida property insurance claims: the deadlines and the fee cap

Notice of a claim
Under Fla. Stat. §627.70132, a property insurance claim or reopened claim is barred unless notice was given to the insurer within 1 year after the date of loss. A supplemental claim is barred unless notice was given within 18 months after the date of loss. — Fla. Stat. §627.70132(2)
Time to bring a court action
An action for breach of a property insurance contract must be brought within 5 years, running from the date of loss. This is a separate clock from the notice deadline, and §627.70132(5) states that the notice statute does not affect it. — Fla. Stat. §95.11(2)(e)
What a public adjuster may charge
A public adjuster’s compensation is capped at 20 percent of the amount of insurance claim payments or settlements, exclusive of attorney fees and costs, paid to the insured by the insurer. For claims based on events that are the subject of a declaration of a state of emergency by the Governor the cap is 10 percent, and that limit applies to claims made during the year after the declaration of emergency. — Fla. Stat. §626.854(11)(b)
Which deadline applies to you
Which of these applies to your claim depends on your policy and your date of loss.

Public Loss Adjusters, LLC — Robert Mack, Florida public adjuster, Lic. #A161638. The review is free and carries no obligation. Call 352-353-4556.

● In the insurance industry since 1991 · Licensed Public Adjuster (Lic. #A161638) · Senior Professional Public Adjuster (SPPA), Associate in Claims (AIC, AIC-M)★ 4.8 · 10 Google reviews● We work for YOU, not the insurer● We only get paid when you do

No cost, no obligation.

Free claim review? 📞 Call 352-353-4556
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