Residential

-Hurricane -Roof Leaks
-Water Damage -Broken water pipes
-Fire - Vandalism - Theft

The experts at JT Claims, LLC help homeowners with filing, estimating damages, documenting, negotiating and meeting with your insurance company.With over 17 years in the insurance industry JT Claims LLC understands that small details make a huge difference in the outcome of your property claim.

Experience on your Side

Understanding Your Coverage

It is important to understand that your insurance policy is a contract between you, the homeowner, and the insurance company. When damages occur it is natural for you to think that your damages are covered under your policy. Filing a claim is the only easy part.However, knowing if your damages are covered and how much you are entitled to based on your policy is the key to a successful outcome.Covered Perils, Policy Limits, Endorsements, Exclusions, Duties after a Loss--Looking through your policy can be cumbersome and confusing.We are here for you! To guide and educate you through this process before, during, or even after a claim has been filed.

The Claims Process

Knowledge is Power

Insurance companies employ claim adjusters, building engineers, and industry experts whose jobs are to protect their interest.
JT Claims, LLC advocates on your behalf in order to prove the value of your claim.Once a review of he policy has been conducted and coverage has been established, we begin by documenting and preparing a detailed estimate using industry wide estimating software.This allows us to value your damages appropriately by creating an itemize estimate using current market value for the cost of labor and materials necessary to bring your home back to a pre-loss condition.Having the essential skills and eyes for documenting your damages in order to prove the cost of your repairs is paramount.JT Claims, LLC will meet with your insurance company, manage any insurance claim related paperwork, and negotiate on your behalf to ensure that you are fairly compensated.

Commercial Claims

Educated Strategy

We understand that insurance companies send out their best adjusters to handle the intricate details that encompass a commercial claim.For this reason JT Claims, LLC incorporates all of our resources and expertise to help you obtain the maximum claim settlement under your policy.Evaluating your commercial insurance policy in order to strategize and document every detail of your loss is imperative to getting you properly paid as quickly as possible.

Utmost Importance

Financial Factors

It is crucial nature to assess the many financial factors commonly associated with a loss of revenue claim.- Loss of profits needs to be accurately estimated when determining the financial harm that has taken place.- Fixed cost calculations utilizing historical data allow us to document the ongoing cost that your business will be incurring while out of operations.- Temporary relocation while the primary location is being fixed can ease the impact the business suffers. This area of coverage, which is an extra expense - along with many others, deserves careful planning and consideration.JT Claims, LLC has the efficiency required in order to analyze and present your Commercial Loss with professionalism and expertise.

When Details Matter

Business Interruptions

Do you know that in most cases Business Interruption Coverage doesn't begin until 48-72 hours after you have suffered a loss?Business interruption claims can be quite complicated. After a disaster such as a hurricane, fire, or vandalism, commercial owners can experience loss of income and extra expenses for having to close down the business.Coverage for loss of revenue, payroll, loans, lease, rent, mortgage payments, or even relocation cost need to be factored in.JT Claim, LLC works with you, with your bookkeepers and accountants, with your staff, and alongside the insurance company to make sure that you and your business are properly compensated to the fullest extent of the policy.

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HOAs and Condos

What is Owed and to Whom

The challenges associated with condo owners and associations after a loss can be challenging.A leak stemming from a damaged roof, broken pipe, or a sprinkler system can simultaneously affect many individual condo owners as well as the common areas of the building. This can create a dispute between unit owners, different insurance carriers, and condo associations.Having the knowledge to analyze the communal bylaws and the understandings of rights for each individual owner sets us apart.Whether the damage originated from a natural disaster, building deficiency, or an individual unit, JT Claims, LLC are prepared to guide all parties after such an event.

Condo Associations

Taking Action

Condominium damage can come in many forms. Once a loss is identified, swift action needs to be taken to mitigate and prevent further damage and to ensure safety throughout the building in the affected areas.Associations undertake the responsibility of notifying individual unit owners that could be affected by the loss while also maintaining full day-to-day operations to deliver the care and quality of service to the unit owners and tenants in the rest of the building. This alone can feel like a daunting task and the claim process hasn't even begun. Once the dust settles it is up to the Association Manager and Board of Directors to report and pursue an insurance claim with the Association's property insurer.JT Claims, LLC understands the complexities of these challenges facing Associations and we are ready to handle and guide you through the process every step of the way.

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Individual Unit Owners

Burden of Damages

Are you now responsible for the damages to other unit owners if the loss originated in your unit? Are they responsible for damages to your unit? Or is it the building's association responsible to cover your repairs?Whether or not the damages originated in your unit, nothing is more frustrating than having to add more duties to your already busy life.JT Claims, LLC specializes in helping condo owners figure all this mess out. By analyzing your individual policy, checking policy limits, meeting with the association and insurance adjusters, we relief you from the stress and burden of proving how much your repairs are worth.It is our duty to document the damages and prepare a detailed estimate to get you the maximum settlement that your policy allows.

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Honor, Courage, and Commitment

Jimmy Terry

Before the times of fighting for the rights of policy holders, Jimmy Terry fought for the rights and freedom of all Americans as a proud United States Marine.
He was deployed to various countries around the world and was Honorably Discharged in 2003. As a War Veteran that fought and served time in Iraq, he continues to hold true the core values that are the driving force for all Marines. Honor. Courage. Commitment.In 2005 he began his journey in the insurance industry right before Hurricane Katrina passed over South Florida and continued with Hurricane Wilma. During this time he was employed as an Independent Insurance Adjuster working on the insurance side. He was tasked with the duties of inspecting thousands of homes and submitting estimates of repairs to the insurance companies.After 2 years of serving on the insurance side and experiencing first hand of the chaos and confusion that follows a natural disaster, he decided in 2007 that his time was better served representing the policy holder and became a Public Adjuster (The only industry licensed by the state to directly assist and advocate for the property insurance policy holder).Now, with over 17 years of industry experience and having serviced thousands of homeowners, commercial business owners, associations, and condo unit owners across our great state of Florida - Jimmy Terry continues to represent and advocate for the people!

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Let us know how we can help

JT Claims, LLC
Company Lic No: W879266
17820 NW 78th PL
Hialeah, FL 33015
(786) 431-5711 Office

Jimmy Terry
PA Lic No: P002025
(305) 778-7827 Mobile
Jimmy@ JTClaims.com