Your home insurance policy is there to compensate you for any damage to your house, be it accidental or malicious. You pay into the policy with the expectation that should your home get damaged, you’ll recuperate money if you need to repair your property. However, that isn’t always the case. Insurance denials for property damage may happen even if the claim is valid.
Homeowners’ insurance is intended to protect you if your property gets damaged by sinkhole, hurricane/storm damage, natural disaster, or other covered events. Your insurer is obligated to honor all valid claims, however, you occasionally run into insurance companies who don’t make correct interpretations of their policies or claims regarding a payout. But, when do you need to stop dealing with your insurance company and start speaking with homeowners’ insurance claim attorney?
Here is a general overview of common insurance disputes for property damage. It’s always recommended to speak with an experienced attorney about your distinct situation so we can explore your unique legal options. Attorney Bryant Dunivan is here to take your call. You’ll receive a free, no-obligation consultation regarding your homeowners’ insurance claim. And, of course, you won’t pay unless your case is successful.
Common Property Insurance Disputes
Given the number of risks facing your home, one out of every 15 homeowners are likely to file a homeowners insurance claim.
The most common types of home insurance claims in Florida include:
- Hurricane Damage – If your home is (has been) damaged by Hurricane Ian, call our team immediately.
- Wind damage
- Water damage (weather-related and internal)
- Fire Damage
- Tornado or Storm Damage
- Hail (which does happen despite our Endless Summers)
- Business Interruption
We are experienced in the intricacies of homeowners’ insurance and can handle claims due to damage from any of the issues above. Based in Tampa, FL we are uniquely qualified to handle property claims from hurricane-force winds, fallen trees, debris, electrical fires, and other dangerous scenarios common after natural disasters or accidents.
Insurance companies count on people to simply take the initial offer they receive without appealing the decision.
Statute of Limitations for Property Damage
The statute of limitations is a legal term for the limited timeframe to file a claim. Essentially, your insurance claim should be filed within this timeframe, or your options for seeking justice for your property damage can become very limited.
In general, you have up to 2 years from the date of loss to file an insurance claim in Florida. However, the longer time that passes the more difficult your insurance claim can become. Working with a skilled property damage attorney can help you determine the applicable rules for your potential insurance claim case. Don’t hesitate to contact The Consumer Protection Attorney, P.A. we’ll fight for justice for your property damage.
How A Homeowners’ Insurance Claims Attorney Can Help
Though it’s there to protect you, sadly some homeowners’ insurance companies will use any tactic they can to undervalue or even deny your claim.
That’s where the lawyers at The Consumer Protection Attorney, P.A. come in. An experienced property damage lawyer can assist you to figure out what your insurance company was obligated to pay you with and if your insurer was in breach of contract. If your insurance contract was broken, a lawyer will assist you to dispute the insurance provider in order to recover funds.
Our team of highly skilled homeowners’ insurance lawyers has many years of experience working with insurance companies, and we can help you with your claim. Do not wait to contact us today for a free case review. You won’t need to pay a dime unless we win your case.
My Insurance Claim Was Denied. Can A Lawyer Help?
Sometimes the insurance industry does not want to live up to their end of the bargain. Insurance businesses are primarily motivated to maximize proceeds; it’d behoove them to avoid paying or minimize payments. They are all too eager to offer low-ball settlements that they hope you will accept. They may even deny valid damage claims entirely.
Insurance companies may use a variety of tactics to minimize payouts and maximize profits:
- Categorizing damages as either not covered by the policy or beyond the scope of the policy
- Blaming damage on factors not covered under the policy
- Conducting an incomplete investigation into damages
- Unreasonable delays in handling your claim
- Offering a low settlement, rather than what is needed, to repair what needs to be replaced
When an insurance claim is denied, you may be left with significant financial hardship, potentially without a safe home or the means to repair your property. It’s understandable that a denied homeowners’ insurance claim can feel incredibly frustrating – you just want to make things right again after unexpected property damage.
Remember: you have options if you’re unsatisfied with the outcome, even in these tough instances.
A skilled lawyer well-versed in disputes over insurance claims can audit accounts, inspect the quality of land damages, and ensure that you get the compensation that you expect if your homeowners’ insurance claim has been unexpectedly denied or undervalued.
A property damage attorney can help you:
- Analyze your insurance and—depending on the nature of your case—strategize your path to restitution
- Negotiate with your insurance provider
- If necessary, to handle the rejected claim process, including the mountains of paperwork.
Our legal representatives help you deal with an insurer to receive the compensation you deserve, if necessary, file a lawsuit. In many cases, claims can be resolved in a short amount of time (Note- every case is unique, and thus maximum settlement projections rely on the extent of home damage, the insurer’s repayment, etc.).
If your homeowners’ insurance claim is denied, then call our homeowners’ insurance lawyers. We’ll discuss your options for your case. You deserve to fight for what’s right for your property.
How Are Insurance Claims Paid?
Usually, once your insurance claim is approved, your payment is deposited within 10 business days through direct deposit, mobile payment, or paper check. Occasionally, a check can go out within 24 hours.
In Florida, it’s not unheard of for the check to come out to someone else besides you, in some cases, like a provider like a roofer (sometimes referred to as Assignment of Benefits).
Remember: our legal services are free unless your case is successful. Our goal as your representative is to help maximize your insurance settlement and increase the amount received for necessary repairs.
Under current Florida law, the insurance company will be liable for paying attorney’s fees — not the homeowner.
Contact a Florida Property Damage Attorney
Unfortunately, wrongful insurance claims denials and undervalued claims are all too common in Florida, especially after a disaster such as hurricanes like Hurricane Ian.
At The Consumer Protection Attorney, P.A., we help homeowners who have had an underpaid or denied insurance claim for home property damage coverage. Our experienced insurance claims attorneys in Florida are on your side to help get the maximum value of your claim to make you whole again after you have suffered damage to your home. Don’t forget – should your claim be denied, you have legal options available to dispute the decision or settlement amount.
Why chance settling for less than the full protection of your policy’s coverage? We can help with new claims, denied claims, and underpaid claims.
If you need support fighting for your rights, contact the homeowners’ insurance lawyers at The Consumer Protection Attorney, P.A. today. A seasoned property damage attorney can even help you with your homeowners’ insurance claim before it’s denied. We’ll seek the fair coverage you deserve under your policy limits.
Schedule a free consultation with an insurance claims lawyer to review your legal options.