Question 1

How quickly can Palm Build respond to water damage in Lauderhill?

Accepted Answer

Our IICRC-certified team responds from our Deerfield Beach office in 15–20 minutes via I-95 or the Florida Turnpike. We're available 24/7/365 including holidays. For condo emergencies in Inverrary or International Village, we dispatch with multi-unit documentation kits from the first call.

Question 2

Does my Lauderhill condo need flood insurance?

Accepted Answer

If your unit is in a FEMA Special Flood Hazard Area (Zone AE or AH on the updated July 2024 maps), your mortgage lender will require flood insurance. Lauderhill's CRS Class 7 status provides a 15% premium discount on NFIP policies for SFHA properties. Standard HO-6 policies do not cover flooding — that requires a separate NFIP or private flood policy.

Question 3

What changed with Lauderhill's FEMA flood maps in July 2024?

Accepted Answer

Broward County's new Flood Insurance Rate Maps went into effect July 31, 2024, reclassifying flood zones across the county. Some Lauderhill properties moved between Zone X (minimal hazard), Zone AH (shallow ponding), and Zone AE (100-year floodplain with determined base flood elevations). If your zone changed, your flood insurance requirements and restoration documentation standards may be different.

Question 4

Who is responsible for water damage in my Lauderhill condo — me or the HOA?

Accepted Answer

The boundary between unit owner (HO-6) and association (master policy) coverage depends on your specific condo documents. Generally, associations cover common elements while owners cover walls-in improvements. In Lauderhill's older condo buildings — Inverrary, International Village, Castle Gardens — disputes are common. Palm Build creates parallel documentation for all parties from the first hour so drying is not delayed.

Question 5

Can I sign an Assignment of Benefits (AOB) agreement in Florida?

Accepted Answer

For most policies issued or renewed after January 1, 2023, Florida's Senate Bill 2A restricts post-loss assignment of benefits. You remain in control of your own claim. Palm Build works on your behalf for documentation and scope purposes without requiring an AOB.

Question 6

How long does water damage restoration take in a Lauderhill condo?

Accepted Answer

Most Category 1 (clean water) jobs take 3–5 days of structural drying. Category 2 events typically require 5–10 days plus mold prevention treatment. Category 3 events require 10–21+ days including decontamination and rebuild. We provide daily psychrometric reports for you and your adjuster.

Question 7

What is the Florida water damage insurance claim deadline?

Accepted Answer

Florida Statute 627.70132 requires initial claim notice within 1 year of the date of loss, and supplemental claims within 18 months. Missing these deadlines can bar your claim entirely. Document damage immediately and file notice with your carrier same day.

Question 8

Does Palm Build serve all Lauderhill ZIP codes?

Accepted Answer

Yes — we serve all four Lauderhill ZIP codes: 33311, 33313, 33319, and 33351. Our Deerfield Beach team covers the full Lauderhill service area including Inverrary, International Village, Boulevard Woods, Broward Estates, and surrounding communities.

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