For Property Managers
Rental Property Insurance Claims for Property Managers
DP-3 policies are different from HO-3. Loss of rental income, tenant damage, and landlord duties affect claim handling.
DP-3 policies are different from HO-3. Loss of rental income, tenant damage, and landlord duties affect claim handling.
Context
Overview
Dwelling fire policies (DP-3) cover rental properties. They typically include loss of rental income. Tenant damage may or may not be covered depending on intent. Property managers handle the claim but the landlord is the insured.
How it works
Workflow
- 01
Step 1
Confirm DP-3 policy terms and endorsements
- 02
Step 2
Document damage as if HO-3 plus rental income loss
- 03
Step 3
Notify landlord and coordinate on FNOL
- 04
Step 4
Handle tenant communications during claim
- 05
Step 5
Document rental income lost
- 06
Step 6
Coordinate repairs to minimize vacancy
Free claim review
Get a free claim review from a licensed Florida public adjuster.
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 later.
Avoid these
Common mistakes
- XTreating DP-3 like HO-3 (differences matter)
- XMissing loss-of-rental-income claims
- XSkipping landlord notification protocol
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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 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.
Go deeper
Related resources
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For professionals
Other resources for professionals
Documenting Tenant-Caused Damage for Insurance
Another guide for contractors, realtors, and property managers.
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.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
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 later.
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