The process of filing a homeowners insurance claim can be complicated and frustrating if your insurance company elects to deny, delay or underpay your claim. The aggravation and stress associated with your insurance company’s lack of cooperation will only increase the anxiety you experience because your home is damaged. This stress is magnified if you are displaced from your home until repairs are completed. This blog provides more answers to frequently asked questions about homeowners claims in Florida.
What are my options if my insurance company insists on consistently disputing my claim regarding the items that I indicate need to be replaced?
An experienced Florida insurance claims attorney will understand the types of evidence that must be presented to prove which items have been damaged or destroyed. My law firm frequently negotiates with insurance companies to resolve such disputes based on persuasively using evidence that has been gathered. If the insurance company refuses to see things your way, we can explore use of the Appraisal Clause of your policy or file a lawsuit against your insurance company.
Why do I need a Miami insurance coverage lawyer if an Independent Adjuster is currently investigating my claim?
The term “independent adjuster” does not necessarily mean what the typical policyholder might assume. When an insurance company uses an adjuster that they contend is independent, this does not mean that the adjuster is “impartial” or “disinterested.” The adjuster is only independent in the sense that the adjuster is not an “employee” of the insurer. While the adjuster might work on an independent contractor basis for multiple insurance companies, an insured should make no mistake about the fact that the adjuster represents the interest of the insurance company rather than the insured.
The fees and commissions paid by the insurance company to the so-called independent adjuster means that the adjuster has a direct financial interest in ensuring that his findings favor the insurer. In many situations, the adjuster might receive most or all of his compensation from your insurance company. When you hire an experienced insurance claims attorney, the lawyer has an ethical and legal representation to zealously protect your interests. Attorneys are subject to strong conflict of interest rules to protect clients from divided loyalty.
If you have questions about Florida insurance claims, you are welcome to contact my Florida insurance claims dispute law firm. 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.