For Property Managers
Documenting Tenant-Caused Damage for Insurance
Landlord insurance may or may not cover tenant-caused damage. Documentation determines whether the claim holds.
Landlord insurance may or may not cover tenant-caused damage. Documentation determines whether the claim holds.
Context
Overview
Landlord policies differ on tenant-caused damage. Intentional tenant damage is usually excluded. Accidental damage may be covered. Documentation is the difference between approved and denied.
How it works
Workflow
- 01
Step 1
Photograph property condition at move-in (with tenant)
- 02
Step 2
Document move-out condition similarly
- 03
Step 3
Itemize damage with estimated costs
- 04
Step 4
Distinguish intentional vs accidental in documentation
- 05
Step 5
File on landlord policy if potentially covered
- 06
Step 6
Pursue tenant deposit or small claims for uncovered losses
Free claim review
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Avoid these
Common mistakes
- XSkipping move-in documentation
- XClassifying accidental damage as intentional (affects coverage)
- XMissing the deductible comparison (sometimes deposit covers cost)
No obligation. No fee unless recovery.
Build referral relationships with a licensed Florida public adjuster.
Free claim review
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
Know the law
Related statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Go deeper
Related resources
Emergency playbooks for every property damage type.
Every stage from first notice to settlement.
Statutes that protect policyholders.
Every common denial reason explained.
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All 67 Florida counties.
Every claim term defined.
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Decision and settlement tools.
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Common problems answered.
For professionals
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Another guide for contractors, realtors, and property managers.
Another guide for contractors, realtors, and property managers.
Free claim review
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details next.
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