On December 1, 2012 something caught fire on the back balcony of this two story condominium complex located on Treasure Island, FL. resulting in fire, water, and smoke damage to the property. Immediately after the fire, the Condominium Board decided to hire a contractor to repair the damage. Normally, this is the typical procedure many COA’s take. However, in this claim, there were many others issues complicating the loss, which the contractor could not legally address. Specifically, there were many insurance claim adjusting issues with respect to the extent of the fire and smoke damage in addition to Law & Ordinance & Code Upgrade requirements the were being enforced by the county building department. Pursuant to the Florida SB408 (Chapter 2011-39) there are provisions that strictly prohibits contractors from adjusting insurance claims unless the contractor also holds a public adjuster license. However, the new law also prevents contractors holding a public adjuster license from doing any type of reconstruction, repair, or restoration of damaged property on the same loss, since it would represents a clear conflict of interest.
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