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
A burst supply line, a failed water heater, a supply hose behind a washing machine. The water itself rarely destroys much. What destroys things is how long it sits.
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Storm Damage
After a named storm, everything happens at once: the house is open, every contractor is booked, and unfamiliar crews are knocking on doors.
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Mould Remediation
Mould is not the problem. Mould is evidence of a moisture problem, and remediation that does not find the source is a cosmetic exercise with a schedule.
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Fire & Smoke Damage
In most house fires the flames damage one area and the smoke and the firefighting water damage everything else. The restoration is mostly about those two.
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Sewage & Contaminated Water
Water is classified by what is in it, and the category changes the job completely. Category 3 — sewage, ground water intrusion, flood water — is grossly contaminated.
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Reconstruction
Drying a house takes days. Rebuilding it takes months, and it is where restoration projects most often stall — because the company that dried it is not a builder.
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More your situation
Homeowners
The complication for an owner-occupier is that the house has to keep functioning while it is being repaired, and that shapes every scheduling decision.
Read more →
Condo Associations
In a condominium the hardest question is not how to dry it. It is whose it is.
Read more →
Businesses & Commercial
For a business the repair cost is usually the smaller number. Being closed is the larger one, and the work should be planned around that.
Read more →
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.