Hollywood homeowners face one of America's most volatile insurance markets — carrier exits, premium spikes averaging $3,600 to $6,000+ annually, and strict filing deadlines under Florida Statute 627.70132. With 159,000+ residents spread across oceanfront condos, Intracoastal properties, and inland neighborhoods, every claim involves unique coverage questions. Palm Build handles the entire insurance restoration process from our Deerfield Beach office just 15 miles away: documentation, adjuster coordination, supplement negotiation, and Florida-specific deadline compliance.
Deerfield Beach Office — 15 mi from Hollywood Same day Response IICRC Certified
Why Hollywood Homeowners Need Insurance Claims Expertise
Hollywood sits in the heart of Broward County's coastal corridor — where carrier
volatility, rising premiums, and complex coverage structures make every restoration
claim a potential minefield. From oceanfront condos on Hollywood Beach to established
neighborhoods in Hollywood Hills and Emerald Hills, navigating an insurance claim
without expert guidance means risking underpayment or denial on damage that should be
fully covered.
Premiums Averaging $3,600-$6,000+ Annually
$6K+
Avg annual premium
Hollywood homeowners pay some of the highest insurance premiums in the nation. Coastal proximity, hurricane exposure, and a volatile Broward County carrier market have pushed average annual premiums to $3,600-$6,000+ for adequate coverage — and many Hollywood homeowners near the Intracoastal or along A1A pay significantly more. With the median home valued at $410,600, a hurricane deductible of 2-5% means $8,200-$20,530 out of pocket before coverage begins. At these stakes, every dollar of your claim needs to be documented and recovered.
Carrier Exits Are Reshaping Hollywood Coverage
400K+
Citizens policies statewide
Florida's property insurance market has lost multiple carriers in recent years — leaving Hollywood homeowners scrambling for coverage. Companies that once wrote thousands of policies in Broward County have gone insolvent, entered receivership, or voluntarily pulled out. The result: fewer options, higher premiums, and more policyholders forced onto Citizens Property Insurance as the insurer of last resort. When your carrier exits mid-policy or during a claim, the disruption to an active restoration claim can be significant without a restoration partner who understands the transition process.
Oceanfront Condos vs. Inland Homes: Different Claim Realities
159K+
Residents served
Hollywood spans from oceanfront high-rise condos along A1A to inland single-family neighborhoods in Hollywood Hills and Emerald Hills. Each faces different damage patterns and coverage structures. Condo owners file claims under their HO-6 policy for interior improvements and personal property, while the HOA's master policy covers building structure and common areas — creating dual-claim coordination challenges. Inland homes deal with water intrusion from plumbing failures and storm damage. Palm Build documents damage for both policy types and coordinates between carrier, homeowner, and HOA when needed.
Saltwater vs. Freshwater vs. Plumbing: Different Coverage
3
Distinct water damage types
In Hollywood, the source of water damage determines which policy pays — and whether you're covered at all. Saltwater storm surge is a flood event (requires NFIP or private flood policy). Wind-driven rain through a damaged roof is a homeowners claim. Internal plumbing failures are typically covered under your HO-3 but may be excluded if deemed gradual or maintenance-related. During hurricanes, all three can happen simultaneously in the same property. Palm Build classifies every item of damage by cause and documents it to the correct coverage category.
Hollywood spans from the Atlantic oceanfront to inland neighborhoods — each zone facing
distinct insurance challenges from carrier exits to hurricane deductibles to flood zone
coverage requirements.
Hollywood Insurance Claims Process
8-Step Insurance Claims Process for Hollywood Homeowners
From the moment damage occurs to the final payment from your carrier, Palm Build manages
every step. This process is designed for Broward County's insurance market — where
carrier-specific requirements, Florida deadlines, and documentation standards determine
whether your claim is paid in full.
01
Emergency Call & Triage
Hour 0
Call Palm Build at (754) 600-3369 simultaneously with — or even before — your insurance company. In Hollywood's subtropical climate, mold colonization can begin within 24-48 hours of water intrusion. We dispatch our team from Deerfield Beach (15 miles away) and begin triage assessment while you file your claim with your carrier.
02
Damage Documentation
Hours 1-4
Before any mitigation work begins, we document every inch of damage with high-resolution photographs, thermal imaging to detect hidden moisture behind walls, and moisture meter readings mapped to a floor plan. This initial documentation is the foundation of your entire claim — without it, your carrier has no baseline for evaluating the scope of loss.
03
Emergency Mitigation
Hours 2-24
Your policy requires you to mitigate further damage — failure to do so can result in claim denial. We begin emergency water extraction, board-ups, tarping, and containment. Every action is documented with timestamps, creating a mitigation log that becomes part of your claim file. In Hollywood, where humidity accelerates damage progression, immediate mitigation is not optional.
04
Moisture Monitoring & Drying
Days 1-5
Industrial dehumidifiers and air movers are placed according to IICRC S500 standards. Daily moisture readings document the drying curve — proving to your carrier that equipment was necessary for the duration deployed. In Hollywood's high-humidity environment (70-80% ambient), drying takes longer than inland markets, and this documentation justifies the extended equipment rental.
05
Scope of Loss & Xactimate Estimate
Days 3-7
We prepare a detailed scope of loss using Xactimate — the same software your insurance adjuster uses. Line-item pricing, material specifications, and labor calculations ensure our estimate speaks the same language as your carrier's. This eliminates the translation problems that plague claims where the restoration company uses a different estimating platform.
06
Adjuster Coordination
Days 5-14
We meet your insurance adjuster on-site to walk through the damage together, review our documentation, and align on scope. Having our team present during the adjuster inspection ensures nothing is overlooked and prevents the common problem of adjusters scoping damage after mitigation has already begun — when the worst of the damage is no longer visible.
07
Supplement Filing (If Needed)
Days 14-60
During restoration, hidden damage is frequently discovered — mold behind walls, structural damage beneath flooring, compromised electrical systems. Each discovery is documented and filed as a supplement to your original claim within the 18-month deadline. Supplements are where most Hollywood homeowners lose money — carriers approve the initial scope but resist additions without proper documentation.
08
Restoration & Final Documentation
Weeks 2-8
Full restoration proceeds per the approved scope. Upon completion, we provide a final documentation package: before-and-after photographs, all moisture logs, equipment placement records, material invoices, and a certificate of completion. This package closes your claim file and supports any remaining payments from your carrier.
01
Emergency Call & Triage
Hour 0
Call Palm Build at (754) 600-3369 simultaneously with — or even before — your insurance company. In Hollywood's subtropical climate, mold colonization can begin within 24-48 hours of water intrusion. We dispatch our team from Deerfield Beach (15 miles away) and begin triage assessment while you file your claim with your carrier.
02
Damage Documentation
Hours 1-4
Before any mitigation work begins, we document every inch of damage with high-resolution photographs, thermal imaging to detect hidden moisture behind walls, and moisture meter readings mapped to a floor plan. This initial documentation is the foundation of your entire claim — without it, your carrier has no baseline for evaluating the scope of loss.
03
Emergency Mitigation
Hours 2-24
Your policy requires you to mitigate further damage — failure to do so can result in claim denial. We begin emergency water extraction, board-ups, tarping, and containment. Every action is documented with timestamps, creating a mitigation log that becomes part of your claim file. In Hollywood, where humidity accelerates damage progression, immediate mitigation is not optional.
04
Moisture Monitoring & Drying
Days 1-5
Industrial dehumidifiers and air movers are placed according to IICRC S500 standards. Daily moisture readings document the drying curve — proving to your carrier that equipment was necessary for the duration deployed. In Hollywood's high-humidity environment (70-80% ambient), drying takes longer than inland markets, and this documentation justifies the extended equipment rental.
05
Scope of Loss & Xactimate Estimate
Days 3-7
We prepare a detailed scope of loss using Xactimate — the same software your insurance adjuster uses. Line-item pricing, material specifications, and labor calculations ensure our estimate speaks the same language as your carrier's. This eliminates the translation problems that plague claims where the restoration company uses a different estimating platform.
06
Adjuster Coordination
Days 5-14
We meet your insurance adjuster on-site to walk through the damage together, review our documentation, and align on scope. Having our team present during the adjuster inspection ensures nothing is overlooked and prevents the common problem of adjusters scoping damage after mitigation has already begun — when the worst of the damage is no longer visible.
07
Supplement Filing (If Needed)
Days 14-60
During restoration, hidden damage is frequently discovered — mold behind walls, structural damage beneath flooring, compromised electrical systems. Each discovery is documented and filed as a supplement to your original claim within the 18-month deadline. Supplements are where most Hollywood homeowners lose money — carriers approve the initial scope but resist additions without proper documentation.
08
Restoration & Final Documentation
Weeks 2-8
Full restoration proceeds per the approved scope. Upon completion, we provide a final documentation package: before-and-after photographs, all moisture logs, equipment placement records, material invoices, and a certificate of completion. This package closes your claim file and supports any remaining payments from your carrier.
Critical Filing Deadlines for Hollywood Insurance Claims
Florida Statute 627.70132 — amended by Senate Bill 2A in January 2023 — imposes strict
filing deadlines on property insurance claims. These deadlines are absolute: miss them
and your claim is barred, period. Palm Build tracks every deadline on every Hollywood
claim we manage.
1 Year
Fla. Stat. 627.70132
Notice of Loss Deadline
You must notify your insurance company of property damage within 1 year of the date of loss. This is not the date you discovered the damage — it is the date the damage actually occurred. For Hollywood homeowners dealing with slow plumbing leaks or hidden mold, this distinction matters. Miss this deadline and your claim is barred regardless of the damage severity or your premium history.
18 Months
Fla. Stat. 627.70132
Supplemental Claim Deadline
Supplemental claims — additional damage discovered during restoration — must be filed within 18 months of the original date of loss. In Hollywood, where restoration frequently uncovers hidden mold behind walls, corroded pipes beneath concrete slabs, and compromised electrical systems in older homes, supplements are extremely common. Palm Build documents and files every supplement within the statutory window.
14 Days
Florida Statute
Carrier Investigation Deadline
Your insurance company must begin investigating your claim within 14 days of receiving your notice of loss. If your carrier fails to meet this deadline, it strengthens your position on disputed claims. Palm Build tracks carrier compliance timelines on every Hollywood claim we manage — ensuring your carrier meets their obligations under Florida law.
60 Days
Florida Statute
Coverage Determination
Your insurer must provide a coverage determination — accept, deny, or partially deny — within 60 days of your claim. For NFIP flood claims, a sworn proof of loss must be submitted within 60 days of the loss. In Hollywood, where many properties carry both homeowners and flood policies, managing parallel timelines is critical. Palm Build coordinates both timelines simultaneously.
These deadlines are strictly enforced — no exceptions.
Missing a filing deadline results in claim denial regardless of damage severity. Palm
Build tracks every statutory deadline and files all documentation within the required
windows.
Understanding your coverage gaps before damage occurs saves Hollywood homeowners
thousands in unexpected out-of-pocket costs. The distinction between saltwater flooding
(not covered by homeowners), wind-driven rain (covered), and internal plumbing failures
(usually covered) determines which policy pays — or whether you pay yourself.
Typically Covered
Wind damage to roof, walls, windows
Standard HO-3 covers wind and named storms — subject to hurricane deductible (2-5%)
Wind-driven rain through damaged openings
If wind creates the opening first, resulting water damage is a homeowners claim, not flood
Sudden plumbing failures
Burst pipes, water heater failures, sudden supply line breaks — covered as a water damage peril
Fire and smoke damage
Full coverage for fire, smoke, soot, and resulting water damage from firefighting efforts
Lightning strikes and resulting surges
Covered under HO-3 — Hollywood averages 70-80 lightning days per year during summer storms
Vandalism and theft damage
Covered for resulting property damage requiring restoration
Typically NOT Covered
Flood damage (storm surge, rising water)
EXCLUDED from HO-3 — requires separate NFIP or private flood policy. Critical for Hollywood oceanfront and Intracoastal properties.
Gradual water damage or slow leaks
If the carrier determines damage resulted from a slow leak rather than a sudden failure, coverage is denied. Documentation of the failure point is critical.
Mold exceeding sublimit
Most Florida policies cap mold remediation at $10,000 — a fraction of what full mold remediation costs in Hollywood's high-humidity environment.
Maintenance-related damage
Worn roofing, deteriorated caulking, neglected HVAC drain lines — carriers classify these as maintenance failures, not covered losses.
Sewer backup (without endorsement)
Requires a specific endorsement that many Hollywood homeowners don't carry. Sewer backups during heavy storms are common in older Hollywood neighborhoods.
Cosmetic hail damage (Citizens)
Citizens Property Insurance excludes cosmetic damage from hail — only functional damage is covered. A critical distinction for Hollywood homes on Citizens.
Hollywood-Specific: Saltwater vs. Freshwater During Hurricanes
During hurricane events, Hollywood properties can experience three simultaneous water
sources: saltwater storm surge from the ocean or Intracoastal (flood policy),
wind-driven rain through damaged openings (homeowners policy), and internal plumbing
failures from pressure changes (homeowners policy). Palm Build classifies every item
of damage by cause, ensuring the correct policy pays for each element. Without this
cause-specific documentation, carriers routinely classify all damage as flood — which
is excluded from your homeowners policy.
Citizens Property Insurance
Working with Citizens Property Insurance in Hollywood
If you're on Citizens Property Insurance — whether by choice or because private carriers
left the market — you need a restoration partner who understands their specific claim
process, documentation requirements, and coverage limitations. Palm Build has extensive
experience with Citizens claims throughout Broward County.
Why Hollywood Homeowners End Up on Citizens
Citizens Property Insurance is Florida's insurer of last resort — created for homeowners who cannot find coverage in the private market. As private carriers have exited Broward County or dramatically increased premiums, thousands of Hollywood homeowners have been pushed onto Citizens. Many didn't choose Citizens — their previous carrier went insolvent or non-renewed their policy. Citizens currently carries nearly 400,000 active policies statewide, with heavy concentration in Broward County's coastal communities like Hollywood.
Citizens Coverage Limitations
Citizens policies have specific limitations that Hollywood homeowners must understand: a dwelling coverage cap (currently $700,000), a cosmetic damage exclusion for hail (only functional damage is covered), specific documentation requirements that differ from private carriers, and assessment exposure — if Citizens experiences catastrophic losses, policyholders can be assessed surcharges. For Hollywood's oceanfront condos, the dwelling cap may be insufficient for high-value units.
Depopulation Events: What Happens When Citizens Transfers Your Policy
Citizens regularly executes 'depopulation' events — transferring policyholders to private carriers to reduce its exposure. If your policy is transferred mid-claim, the transition can disrupt your restoration process. Palm Build coordinates with both the outgoing Citizens adjuster and the incoming private carrier to ensure continuity. We've navigated dozens of depopulation transitions in Broward County and know how to prevent claim gaps during the handoff.
Documenting Claims for Citizens Adjusters
Citizens adjusters follow specific documentation standards that differ from private carriers. Our Xactimate estimates, moisture mapping, and photo documentation are formatted to Citizens' requirements. We know which line items Citizens consistently challenges, which documentation they require for wind-vs-water classification, and how to present supplement requests in the format their adjusters expect. This carrier-specific knowledge is the difference between a paid claim and a denied supplement.
On Citizens and need help with a restoration claim?
Palm Build understands Citizens' documentation standards, coverage limitations, and
depopulation processes. We've handled dozens of Citizens claims in Broward County.
How Palm Build Documents Damage for Hollywood Insurance Claims
The quality of documentation determines whether your claim is paid in full or disputed
for months. Palm Build's documentation process is engineered for the Broward County
insurance market — using the tools, formats, and standards that Florida adjusters expect
and approve.
High-Resolution Photography
Every room, every surface, every item of damage — photographed with timestamps and GPS coordinates. We capture wide-angle room shots for context and macro close-ups for damage detail. Before any mitigation work begins, this photographic record establishes the baseline your adjuster needs. For Hollywood properties with multi-room damage or multi-floor condo cascades, hundreds of photographs are standard.
Thermal Imaging (FLIR)
Infrared thermal cameras detect moisture behind walls, above ceilings, and under flooring that is invisible to the naked eye. In Hollywood homes, where CBS (concrete block stucco) construction traps moisture inside wall cavities, thermal imaging reveals the true extent of water intrusion. These thermal maps become critical evidence when your adjuster questions the scope of demolition required.
Moisture Mapping & Monitoring
Protimeter and Delmhorst moisture meters measure material moisture content at dozens of points throughout the affected area, mapped to a floor plan. Daily readings during the drying process document the drying curve — proving to your carrier that equipment was necessary for the duration deployed. In Hollywood's high-humidity environment, drying takes longer than inland markets, and this data justifies extended equipment rental.
Xactimate Line-Item Estimates
We prepare every estimate in Xactimate — the same software your insurance adjuster uses. Line-item pricing with material specifications, labor calculations, and regional pricing ensures our estimate speaks the same language as your carrier's. No translation required, no format disputes, no rejected estimates because of software incompatibility. This is how professional restoration companies communicate with insurance carriers.
Daily Drying Logs
Every piece of equipment is logged: placement location, runtime hours, daily moisture readings at each monitoring point. These logs are the primary evidence justifying equipment charges — the single largest line item on most water damage claims. Without daily logs, carriers routinely reduce equipment days, costing Hollywood homeowners thousands in underpayment.
Cloud-Based Claim File
Every photograph, moisture reading, thermal image, estimate, and daily log is uploaded to a cloud-based claim file accessible by you, your adjuster, and our project manager. Real-time access eliminates the documentation delays that slow claims down. Your adjuster can review evidence from their office, approve scope remotely, and process payments faster.
Thermal imaging reveals moisture trapped behind Hollywood's CBS wall construction —
invisible to the naked eye but critical for accurate claim scope.Daily moisture meter readings mapped to a floor plan create the drying curve
documentation that justifies equipment rental charges to your carrier.
Supplement Claims
Understanding Supplements and Additional Claims
Supplements are additional claims filed when hidden damage is discovered during
restoration — and they are where most Hollywood homeowners lose money. Carriers approve
initial scope but resist additions without proper documentation. Under Florida law,
supplements must be filed within 18 months of the original date of loss. Palm Build
documents and files every legitimate supplement within the statutory deadline.
Hidden Mold Behind Walls
Very Common
In Hollywood's high-humidity climate, mold colonization behind walls is discovered during demolition on the majority of water damage projects. If mold wasn't visible during the initial inspection, it wasn't included in the original scope. A supplement with photographic evidence, mold assessment, and remediation scope is required within the 18-month window.
Structural Damage Beneath Flooring
Common
Removing water-damaged tile or hardwood frequently reveals damaged subfloor, compromised trusses, or corroded fasteners invisible during initial inspection. Hollywood homes built on concrete slabs may show crack propagation from water intrusion. Each discovery is documented with photographs and added as a supplement line item.
Code Upgrade Requirements
Common
When restoration triggers building code compliance, upgrades not in the original scope become necessary. Florida Building Code requirements — especially HVHZ (High-Velocity Hurricane Zone) standards in Broward County — can require impact-resistant windows, enhanced roof tie-downs, and upgraded electrical panels. These are covered under an ordinance-and-law endorsement if your policy includes it.
Underpayment on Original Scope
Frequent
Carrier adjusters sometimes under-scope original claims — missing rooms, using incorrect material specifications, or applying unit prices below Xactimate regional rates. Palm Build's line-by-line review of your carrier's initial estimate identifies every underpayment. We file supplements with supporting documentation for each disputed item.
The 18-Month Supplement Window Is Non-Negotiable
Under Florida Statute 627.70132, supplemental claims must be filed within 18 months of
the original date of loss. This deadline is strictly enforced — even if your
restoration is still in progress. Palm Build files supplements as soon as hidden
damage is discovered, with full photographic documentation, updated Xactimate
estimates, and cause-specific evidence linking the additional damage to the original
loss event.
The Palm Build Difference
Why Hollywood Homeowners Choose Palm Build for Insurance Claims
Most restoration companies in Hollywood can extract water and dry your property. Very
few can navigate the Broward County insurance market, document damage to
carrier-specific standards, coordinate with adjusters on-site, and file supplements
within Florida's statutory deadlines. That is what separates Palm Build.
15 Miles from Hollywood — Same-Day Response
Our Deerfield Beach operations center is approximately 15 miles from Hollywood, enabling same-day response to any neighborhood — from the oceanfront condos along A1A to Emerald Hills and Hollywood Hills. Local presence means we know the neighborhoods, understand the building stock, and arrive fast when documentation timing is critical for your claim.
Xactimate-Native Documentation
Every estimate we produce is built in Xactimate — the same software your carrier's adjuster uses. This eliminates format disputes, translation errors, and the rejected estimates that plague claims where the restoration company uses a different estimating platform. Our line-item detail matches what adjusters expect to see in the Broward County market.
Florida Insurance Market Expertise
We understand Florida's unique insurance landscape — AOB reform under SB 2A, the 1-year notice deadline, 18-month supplement window, hurricane deductible calculations, Citizens Property Insurance procedures, NFIP flood claims, and the carrier-specific documentation requirements for every major insurer writing policies in Hollywood. This isn't general restoration knowledge — it's Florida-specific claims expertise.
Deadline Tracking on Every Claim
We track every statutory deadline on every Hollywood claim we manage: the 1-year notice of loss deadline, the 18-month supplement deadline, the 14-day carrier investigation requirement, and the 60-day coverage determination window. You will never miss a deadline because Palm Build missed a date. Our project management system alerts us 30 days before every deadline.
Direct Adjuster Coordination
We attend every adjuster inspection at your Hollywood property, walk through the damage together, present our documentation, and resolve scope disputes on-site. This face-to-face coordination eliminates the back-and-forth phone calls and email chains that delay claims. Your adjuster gets answers immediately, and disputes are resolved in real-time rather than over weeks of correspondence.
IICRC Certified — The Standard Carriers Trust
Our technicians hold IICRC certifications in water restoration (WRT), fire and smoke restoration (FSRT), and mold remediation. Insurance carriers recognize IICRC certification as the industry standard for professional restoration work. When your carrier sees IICRC credentials on our documentation, it removes a common objection to claim approval.
Palm Build's South Florida team brings Florida-specific insurance claims expertise to
every Hollywood restoration project — from initial documentation through final carrier
payment.
Common Questions
Hollywood Insurance Restoration FAQ
Does Palm Build work with my insurance company in Hollywood?
Yes — we work with every carrier writing policies in the Hollywood and Broward County market including Citizens Property Insurance, Heritage, American Integrity, Universal P&C, Florida Peninsula, Security First, People's Trust, State Farm, Allstate, and all NFIP and private flood carriers. Our Xactimate-based documentation works with any carrier's claims workflow.
What are the Florida filing deadlines I need to know?
Under Florida Statute 627.70132, you must report property damage to your insurer within 1 year of the date of loss. Supplemental claims must be filed within 18 months. Your insurer must begin investigation within 14 days and provide a coverage determination within 60 days. For NFIP flood claims, a sworn proof of loss must be submitted within 60 days. These deadlines are strictly enforced — missing them results in claim denial regardless of the damage's legitimacy.
Do I need separate flood insurance in Hollywood?
Yes — standard HO-3 homeowners policies do NOT cover flood damage. Hollywood's coastal position, Intracoastal Waterway proximity, and low elevation make flood insurance essential. You need either an NFIP policy or private flood coverage. During hurricanes, storm surge (flood policy) and wind-driven rain through damaged roofing (homeowners policy) often coexist — making cause-specific documentation critical. Palm Build classifies every item of damage by cause to ensure the right policy pays.
What is my hurricane deductible on a Hollywood home?
Florida homeowners policies have a separate hurricane deductible calculated as a percentage of your dwelling coverage — typically 2% to 5%. For the median Hollywood home valued at $410,600, a 2% hurricane deductible is $8,212 and a 5% deductible is $20,530. This percentage-based deductible applies only to wind and hurricane claims. Other perils use your standard flat deductible.
Should I call my insurance company or Palm Build first?
Call Palm Build first — or simultaneously. Your policy requires immediate mitigation to prevent further damage, and documenting initial damage before cleanup is critical for your claim. In Hollywood's subtropical climate, delaying mitigation by even 24 hours can result in mold colonization that complicates your claim and potentially triggers mold sublimit issues (typically capped at $10,000). We begin emergency response and documentation while you open your claim.
What is Citizens Property Insurance and how does it affect my claim?
Citizens is Florida's insurer of last resort with nearly 400,000 active policies statewide. Citizens has a dwelling coverage cap, a cosmetic damage exclusion for hail, and specific documentation requirements. Many Hollywood homeowners end up on Citizens because private carriers have exited the Broward County market. Palm Build understands their claims process, documentation standards, and coverage limitations, and we help policyholders navigate depopulation events when Citizens transfers policies to private carriers.
What if my carrier denies part of my Hollywood claim?
Partial denials are common in Broward County — especially for mold remediation (sublimited at $10K), code upgrades (requires ordinance-and-law endorsement), gradual damage (excluded), sewer backup (endorsement required), and disputed wind vs. flood classification during storms. Palm Build documents every covered item thoroughly to prevent incorrect denials and files supplements with cause-specific evidence when legitimate claim items are denied.
Need Help With a Restoration Insurance Claim in Hollywood?
Palm Build handles the entire insurance process — documentation, adjuster coordination, supplement negotiation, Florida-specific deadline compliance — so you can focus on getting your home back. We work with every carrier in the Hollywood and Broward County market.
