Residential Multi Family-Apartment Building


When Fire, Smoke and Soot causes damage to the property, Remediation Protocol is necessary to properly restore your property. The results of the water used by the fire fighters to put out the fire causes additional damages to the property including  but not limited to water damage, Mold/Fungi to building materials.


Water damage category 1 or 2 or 3- requires different types of Remediation- proper protocol is are necessary to protect the property from further damage especially with category 3, the most contaminant category. Drying the property is the most important process required to protect the property from further damage.

Multi-Family / Apartment Building insurance claims have many similarities to Office Buildings, Condo-Hotels, Hotels/Motels, Commercial and Residential Condo Associations insurance claims.  One of the main differences to these claims would be the tenancy occupying these properties. These properties are occupied by residential tenants.


Given the recent economic impact with our global and local economy, residential multi-family apartment buildings have the lowest vacancies or they are 100% occupied now than when the Real Estate bubble was in full force.

HomeOwner Claims Public Adjusters value and understand the owner’s / landlord’s position as well as the tenants when property damage occurs to the building. The Landlord has the responsibility to make the necessary repairs to the building as well as making sure that the building damage does not affect the tenants. Subsequent to a loss in the building most likely the tenant(s) is also affected.

The tenants can buy renters insurance to protect their property from a peril insured against. We adjust the Landlord’s Commercial Package Policy (CPP) or Business Owners Policy (BOP) which includes but is not limited to; Property Damage (Building), the Business Personal Property, Debris Removal Coverage, Co-Insurance (link to Co-Insurance page) and Deductibles, Ordinance or Law Coverage, Signs Coverage, as well as the loss of Business Income and/or Extra Expense and the Fair Rental Value while being unoccupied due to the loss. Your policy is tailored to your Risk.

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.  Your time is valuable; 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.

Filing an insurance claim is tedious, difficult to understand the insurance policy and forms, is intricate, complex and time consuming. It is a greater challenge when it involves the many tenants that you rent the property to. The Landlord must protect itself, the tenants’ wellbeing and their property.

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? Your claim can be prejudiced if improperly presented. What will you say to the tenants that rely on you to make the right decision and protect their best interest?  Remember that as a Landlord you must protect the tenant’s interest and your property, The statute Chapter 83 “The Landlord and Tenant Act” describes the do’s and don’ts for both them (link the PDF Statute here).

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.