Your situation · Landlords & Rentals
A Tenant, a Deadline and a Different Policy
A rental adds two things a homeowner does not have: a tenant with legal rights, and a policy that may cover lost rent.
Photographs, moisture readings and a written scope. If you should not file a claim, that is what you will be told.
GC
A general contractor — we rebuild, not just dry
1 year
Florida deadline to report a new or reopened claim
No AOB
We do not ask you to sign over your claim
Licensed
General contractor, licensed in the state of Florida
Two clocks, not one
Alongside the drying clock there is a habitability clock. A unit that cannot reasonably be lived in creates obligations to the tenant, and those run whether or not the adjuster has been out. Meanwhile the tenant's possessions are not covered by your policy at all — a distinction many landlords discover during a dispute.
What is different here
- Loss-of-rent coverage, which many landlord policies include and many owners forget.
- Habitability obligations to the tenant, which do not wait for the adjuster.
- The tenant's contents are their renter's insurance, not yours.
- Access and notice requirements before crews enter.
- Documentation matters more, because a tenant dispute is likely.
How we handle it
- 01Document the unit thoroughly — both claims may need it.
- 02Coordinate access with proper notice to the tenant.
- 03Sequence to restore habitability as quickly as is honest.
- 04Provide documentation that supports a loss-of-rent claim.
- 05Rebuild under the same contract.
Check for loss-of-rent coverage in week one. It is common on landlord policies, it is frequently unclaimed, and it usually requires the same documentation you are already producing for the property claim.
Said plainly
Where we stop
We do not advise on landlord-tenant law. Habitability obligations and notice requirements are a question for your attorney, and we will not guess at them for you.
FAQ
Common questions
- Does my policy cover lost rent?
- Many landlord policies do. Ask in week one — it is commonly unclaimed.
- Am I responsible for the tenant's belongings?
- Generally not. Their contents are covered by renter's insurance, which is why it matters that they have it.
- How much notice must I give to enter?
- A legal question for your attorney, not for us. We will work to whatever notice you require.
- What if the unit is unlivable?
- Habitability obligations apply and they do not wait for the adjuster. Talk to your attorney early.
What we restore
Water Damage
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Storm Damage
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Mould Remediation
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Fire & Smoke Damage
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Sewage & Contaminated Water
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Reconstruction
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Next step
Find out what is actually wrong with it.
An inspection, photographs of what we found, and a written scope. If the honest answer is that it can wait another season, that is the answer you will get.