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
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- ✓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 later.
Avoid these
Common mistakes
- XSkipping move-in documentation
- XClassifying accidental damage as intentional (affects coverage)
- XMissing the deductible comparison (sometimes deposit covers cost)
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- ✓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 later.
Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
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Related resources
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For professionals
Other resources for professionals
Helping Buyers Understand Florida Insurance
Another guide for contractors, realtors, and property managers.
Documenting Damage for Insurance Claims
Another guide for contractors, realtors, and property managers.
Xactimate Basics for Florida Contractors
Another guide for contractors, realtors, and property managers.
When Property Managers Should Bring in a Public Adjuster
Another guide for contractors, realtors, and property managers.
Supplemental Claims Process in Florida
Another guide for contractors, realtors, and property managers.
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- ✓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 later.
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