Florida State-Wide Property Damage Attorneys - Hands-On Counsel For Your Insurance Claim

Published October 8th, 2020 by Claim Help Lawyers

Property owners pay for insurance to protect their properties from natural disasters and other catastrophes.

When tragedy strikes, they expect the insurance company to cover their claims and pay quickly and amicably for the damages. Unfortunately, it isn't until you experience a loss that you realize the process isn't that simple.

To the homeowner, property insurance is a safeguard to use in a time of need. More policyholders own their homes for decades and never experience hurricane property damage.  The year  2020 has been an unusually active Hurricane season impacting the same areas.

Although the insurance company's attempt to mitigate losses, they first try to absolve themselves of  liability. In the meantime, the homeowner needs to move the claim forward to a positive result and mitigate damages. 

Are you having trouble getting your insurance carrier to pay a claim? Keep reading to learn how an attorney specializing in property damage liability issues, can help you get the money you deserve.

What Property Damage Is Covered Under Your Homeowners Policy?

Property damage isn't limited to Hurricanes. Your insurance policy covers multiple issues that can cause your home to be damaged. It also includes damage to other structures on the property, including a fence or shed, for instance. Here's a list of common claims:

  • Damages to the structure - ex. a car runs into your home, a tree falls on your roof, etc.
  • Fire
  • Damage from storms, floods, tornadoes
  • Mold removal
  • Structural cracks or  damages from a storm or tornado.
  • Water damage from broken pipes

Homeowners are expected to read their policies of insurance together with any endorsements, addendums and exceptions.  The language is voluminous and somewhat but many don't understand the language when they do. Property damage lawyers are here to help you figure out what's covered and what's not covered.

Insurance Company Report Comes up Short

Insurance company’s send property damage appraisers after a claim is filed.  This person, sometimes called independent or field adjusters, inspect your loss and determine property damage.  The adjuster assists the insurance company in determining liability. 

The statement may have inaccuracies or you may feel the inspector's damages as listed is downplaying your loss. At this point, it would be beneficial to contact a property damage attorney.

The Claim Paid but Payment Is Delayed

It's one thing to have your claim denied. It's equally frustrating to have it approved but the payment gets held up. This can happen sometimes. 

The insurance company hasn't issued the check and continues to investigate the loss; they may ask for sworn statements, examinations under oath or have an engineer reinspect the property. The company may pay a small amount holding back depreciation and wait for the homeowner to repair the property before paying the full amounts owed.  

If you are having a difficult time getting paid by your insurance company, you should look for legal counsel to help navigate through the process.  If they delays are too long or without merit contact a property damage lawyer as there are state laws against this type of bad faith insurance practices.

Get the Money You're Owed to Repair Your Home 

Property damage is unavoidable and homeowner's insurance is your safety net. When the insurance provider holds up your claim seek legal counsel.

Contact us or schedule a consultation and let us help you through the process.

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