Property damage before a Tiger Point home sale closes in ZIP 32504

A broken pipe or storm loss between signing and closing adds another timeline to an already busy transaction. Take safe protective steps, document the damage and notify the appropriate insurer and your transaction team promptly. Keep the date of discovery, inspection date and scheduled closing in your records. Save copies of reports, photographs and invoices in a folder both your claim and transaction teams can reference as appropriate.

Keep the insurance and sale files separate

Identify who holds the policy and who can authorize access or sign claim paperwork. Your real estate attorney can interpret the purchase contract’s risk-of-loss and notice provisions. Ask what updates the buyer, lender and closing agent need. Avoid making informal commitments about credits, repairs or the disposition of insurance proceeds before the relevant professionals review the documents.

Record what has and has not been completed

For example, if emergency drying is underway but the flooring estimate is still pending, distinguish the services performed from the proposed work. Ask contractors for written scopes and dated photos. Keep a log of who was notified and when. A closing date can affect scheduling without deciding coverage or the parties’ obligations under the contract.

Official resource

Florida Department of Financial Services hurricane recovery resources: https://myfloridacfo.com/division/ica/storm

Ask PAJOE about your claim

For a free initial claim review, call PAJOE Public Adjusters at (850) 842-6424.

Florida Public Adjusting Firm License # W894577
Joseph Whitefall | Florida Public Adjuster
Individual License # E166230

Our public adjusting fee is contingent on a recovery. Before you retain PAJOE, we explain the agreed percentage and the payments to which it applies. Fee terms are set out in our signed agreement. Any outside expenses require separate written authorization consistent with applicable Florida law.

PAJOE provides public adjusting services and does not provide legal advice. Coverage and recovery depend on the policy, the facts of the loss, and supporting evidence. No particular decision, payment, additional recovery, or resolution timeframe is guaranteed.