If you experience a significant loss to your home or business caused by theft, fire or some other calamity, you probably will file an insurance claim. Many people in this situation for the first time are unaware of their rights or overly trusting that their insurance company will treat its policyholder fairly. Although policyholders often do not worry that their claim will be handled in a proper and timely manner, they should be concerned. Despite the fact that an insured is the “customer” of an insurance company, the financial interests of an insurer and insured are diametrically opposed when a peril causes damage to an insured’s home or business. The insured wants a maximum payout while the insurer wants a minimum payout.
Even though you may have paid hundreds or thousands of dollars for good claims coverage, it is not uncommon to have to fight your insurance company to compel compliance with your insurer’s contractual obligations. When this happens, you might benefit from retaining a Miami insurance claims attorney to represent you in dealing with your insurance company. This blog post provides some guidelines in handling hiring legal representation for your claims dispute.
Can I use my divorce lawyer to assist me with my insurance claim?
While there is no legal requirement that you retain an experienced insurance claims attorney, most people would never consider hiring a podiatrist to perform surgery on their spine. Insurance policies are complex contracts that are riddled with exceptions, exclusions and limits that make it prudent to work with an attorney who routinely analyzes insurance policies. Further, an experienced Florida insurance claims attorney will be familiar with the alternate dispute resolution options that might get your claim paid faster than litigation. Lawyers who routinely represent policyholders in claims disputes also will have an established network of experts whose professional opinions can be used to support your position when contesting a denied claim. If you are forced to proceed with litigation, insurance claims attorneys can provide thorough knowledge of relevant statutes, case law and procedural requirements in pursuing your lawsuit.
How do I determine that someone is the right lawyer for my case?
The key is to become an informed consumer of legal services. When you are interviewing insurance claims lawyers, you should ask about the number and types of insurance claims they have handled in the past. It might also be prudent to inquire about whether the attorney has specific experience working within the insurance industry which might provide the benefit of insider knowledge. Experience and a solid reputation representing insurance claims disputes will be the most critical criteria. I offer a free consultation which allows prospective clients to ask questions and determine if they feel comfortable moving forward with me as their attorney.
How do I afford an insurance claims lawyer when I have heard that good attorneys in Miami can charge between $450 and $600 per hour?
Fortunately, “hourly rates” are rarely an issue when you retain my office. Most cases we accept are taken on a “contingency fee” basis, so you do not owe attorney fees unless we obtain a recovery on your behalf. If your case does not qualify for a contingency fee agreement, I will let you know that before you ever sign a retainer agreement with our office.
If you are having difficulties obtaining payment of your insurance claim, I invite you to contact me to set up a free consultation to discuss your situation. My law firm represents policyholders in claims disputes in Miami and throughout Florida. The Law Firm of J.P. Gonzalez-Sirgo, P.A. offers free consultations and case evaluations. No Recovery, No Lawyer Fees. Call 305-461-1095 or Toll Free 1-866-71-CLAIM.