Hotels, Motels & Units

Damage by fire, smoke and soot and the result of the water to put out the fire by the fire firefighters causes additional types of damage to the property including but not limited to water damage, mold/fungi.



Category 1 or 2 or 3 of water damage – Requires different types of remediation, proper protocol is necessary especially with category 3, the most contaminant category.






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Hotels-Motels- Similar to condo-hotel with owner’s having an undivided interest and an association, the exception to Hotels and Motels is that they are owned fee simple (one owner). Both entities offer hospitality to guest with short term rentals.  Other lodging places such as; Bed and Breakfast Inns, Boarding houses, and Resorts, etc. People come to stay at your establishment for a number of reasons, and whether it’s for leisure or business, you want to provide the safest and most satisfactory experience possible.

Whether you own a single, independent economy motel, a portfolio of luxury hotels, or other type of lodging you can sleep soundly knowing HomeOwner Claims Public Adjusters is a phone call away to protect your business by servicing your property insurance claim.

Your job is hospitality, centered on taking care of other people and making sure they have an excellent experience while staying on your property. Our job is taking care of you and making sure your insurance claim is handled professionally, and advantageously protecting your hotel or motel from the hazards that caused your loss.

We recognize the importance to work closely with the Hotel management team, or the owner(s) to ensure adequate insurance claim settlements to you.

Your time is invaluable; filing an insurance claim has many challenges and is not as simple as it should be. This is a job for a professional Public Insurance Adjuster such as HomeOwner Claims Public Adjusters (link to what are the benefits of hiring HomeOwner Claims Public Adjusters) that will work for your best interest.

Filing an insurance claim one has to know the language of insurance, is tedious, intricate, complex and time consuming. It is a greater challenge when it involves the many owners that you must protect and the many people that you work with in a Condominium Association.

Ask yourself these questions:  Can you give up your time? Can you keep records of the loss? Do you know what the insurance policy covers? Can you take the chance to be wrong? Can you afford controversy with the tenant? It’s been proven that an unbiased third party would bring better results to the table. Your claim can be prejudiced if improperly presented.

Hotel / Motel / Resort properties Insurance claims– Losses to these properties can be large monetarily as they not only incur damage to the property for perils insured against but also for loss of income due to the business interruption (loss of use to their rooms) and common areas. It is paramount to mitigate, remediate and reconstruct any type of loss on these properties as soon as possible to minimize the business interruption causing loss of income.

These contributing factors is what makes Hotels / Motels insurance claims so unique, but as a whole they are insured with Commercial Package Policy (CPP) and endorsements (business interruption) or Business Owners Policy (BOP) tailored to each of their unique circumstances and business risks.

We have experienced in other hotel / motel insurance claims partial shutdown of floors and rooms on losses to property due to the Building Department codes, Fire Marshalls enforcement, and Environmental Protection Agency (EPA) enforcements.  These are challenges that we understand and can assist you from the very onset when a loss occurs.

HomeOwner Claims Public Adjusters value and understand the owner’s position as well as the guests when property damage occurs to the building. The owner(s) has the responsibility to make the necessary repairs to the building as well as making sure that the building damage does not affect the guests. Subsequent to a loss in the building the guest(s) may also be affected. When this occurs the guests would have to be relocated to other rooms or even to another hotel depending on the extent of the loss.  Mitigation and remediation is paramount immediately after the loss. We will assist you from inception until we settle the insurance claim.

We settle more and quicker insurance claims because of our long standing relationships within the industry proven by our track record of performance in dealing with both the insurance companies, who provide the coverage, and the policyholders “our clients” in which we service. This means that you have a dedicated insurance public adjuster who has worked in all 3 capacities of adjuster (link to 3 types of adjusters) since 1979 by your side with the experience, knowledge; we speak insurance language and competency to make sure we settle your claim fairly to restore your property to pre-loss condition or better.

Read the Office of Program Policy Analysis & Government Accountability report (link to OPPAGA Report) their analysis stated that when the policyholders engaged a Public Adjuster the settlement amounts were higher by 547% on daily claims and 747% on hurricane claims). We strongly believe that HomeOwner Claims Public Adjusters has earned their reputation and continues to raise the standards of Commercial and Residential properties insurance claim services.

We strongly believe that HomeOwner Claims Public Adjusters has earned their reputation and continues to raise the standards of commercial and residential properties insurance claim services.

These types of policies are very intricate and require attention to detail when adjusting such unique risks. We encourage every policy holder to engage our services due to the complexities of these unique risks