Fort Lauderdale Condo Water Damage MUST DO list!

Fort Lauderdale Condo Express Public Adjusting Water Damage

Water damage is among the most prevalent types of property damage in Fort Lauderdale, Florida. However, there is no one cause; rather, it can be caused by a multitude of factors such as fractures in seals and joints between pipes, cracks in the pipes themselves, AC water leakage, or shower leaks. In Fort Lauderdale, residential homes, condominiums, and commercial buildings are all susceptible to this issue and thus should be taken care of, but what if the cause of the damage is not your estate but a neighboring condo? It is especially important for condo owners since the apartments are so close together, putting them at greater risk of harm from neighboring condominiums. Depending on where you reside, you may have to file a claim for water damage from upstairs condominiums.

Assume you get back to your condo and discover a massive leak originating from the upstairs condo. The actions you take will influence how well you solve the problem.

1. Determine the cause of the water damage

After the identification of the problem, it is critical to track down its origin and address it as soon as possible with the upstairs condo owner. Because this water damage in the ceiling might be caused by anything, it is not everyone’s best interests if it is not left untreated and you and the condo owner work together to take appropriate measures. As a result, future damage, ranging from minor water damage to more severe issues like mold, is avoided. This common mistake is seen often in Fort Lauderdale condo’s, where a leak occurs and the damage is never looked into.

2. Prevent further water damage to your property and the upstairs property

To limit the damage caused to your own condo and the upstairs property, you must emphasize to the owner the necessity and urgency of following these critical steps:

  • Get rid of any extra standing water in the unit

    • Any extra water might lead to mold damage later on, so this is something you should think about for your property. Although it relies heavily on the type of firm, most public adjusters also own a water cleanup company and can get the water damage company to your house promptly.
  • Remember to turn off breakers before unplugging any electrical item from damp locations

    • If there is severe water damage, it is a sure-safety guideline to follow.
  • Prevent future damage to all furnishings and personal items

    • Since water and dampness affect wooden objects the most, it should be kept in mind.
  • Remember to relocate any valuables from the damaged area to a dry part of the property

    • It surely depends on the severity of the water damage. Nonetheless, it should be taken care of.
  • Gather all scattered things from the floor

    • Thoroughly search your property because this can lead to many other forms of property damage.
  • Wet textiles, books, magazines, and other goods should not be left on wet carpets or floors

    • Items like these may lead to mold in the future if they are not managed properly.
  • Do not use a dry vacuum to remove water

    • It is self-evident why you should never do this.
  • When standing on wet carpet or surfaces, especially wet concrete, do not use any electrical appliance

    • Handling an electrical appliance with wet hands or while standing on a wet floor puts you in danger of electrocution.

3. Review your insurance coverage and condo rules

The next stage in this procedure is to go over your insurance policy to determine what is covered. But, before you can do so, you must first determine who is to blame for the harm. Assume that the water seeping from your ceiling was actually coming from a shower leak in the upstairs condo’s bathroom. Who is to blame for this? Who is responsible for filing the insurance claim? Even though it may appear clear, this is entirely dependent on your unit and the condo association.

There is a condo insurance law in Fort Lauderdale, Florida that addresses this issue. Section 718.111(11) of the Florida Statutes governs condo organizations and their insurance coverage. The association is required by law to repair any component of the condo property insured by the association that has been damaged by an insurable occurrence. Furthermore, the statute states,

“The coverage must exclude all personal property within the unit or limited common elements, and floor, wall, and ceiling coverings, electrical fixtures, appliances, water heaters, water filters, built-in cabinets and countertops, and window treatments, including curtains, drapes, blinds, hardware, and similar window treatment components, or replacements of any of the foregoing which are located within the boundaries of the unit and serve only such unit. Such property and any insurance thereupon is the responsibility of the unit owner.”

4. Call a public adjuster

After you’ve determined who is to blame, the responsible party must make a claim. You should contact Express Public Adjusting at this point. With over 10 Years of Experience in the Fort Lauderdale and South Florida Area, we’re the EXPERTS you need on your team. It’s critical to have all of the relevant information on hand like your: Name, address, phone number, e-mail address, copy of the policy and policy number of the insured. Also, don’t forget to write down the following!

Loss Description: The time and date of the loss, the location of the occurrence, and a thorough description of the damages

Notification to authorities: Please take note of all authorities who have been notified (fire dept., police, etc.)

Emergency Service Providers and Damage Mitigation: Tell them whether you’ve already notified any emergency services or if you’ve done any damage mitigation.

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