Miami homeowners insurance claims can mean the difference between significant property damage amounting to a temporary inconvenience and financial devastation. Although you should be able to rely on your coverage if you have consistently paid your premiums and fulfilled post-loss duties under the policy, insurance companies generate staggering profits by denying or minimizing payouts on legitimate claims.
Many policyholders abandon their claim when they receive a letter indicating that the claim is not covered. While it can be difficult to take on an insurance company staffed with attorneys, claims adjusters and experts set on stonewalling your claim, the task can be much more effective when you have legal representation. Sometimes policyholders do not retain the services of an experienced Florida insurance claims attorney because they do not realize the benefits that competent legal representation can provide. Some of the advantages that an experienced Miami insurance claims attorney can offer include the following:
- Documentation of the insurance claim
- Careful review and analysis of your insurance policy
- Assistance in compiling an inventory
- Negotiating the best possible settlement with your insurance company
- Arranging for photo or video evidence to be developed
- Coordinating with and retaining experts like contractors, roofers, plumbers and forensic engineers
- Providing assistance in submitting a fully supported and documented claim to your insurer
- Obtaining and submitting detailed repair estimates
- Offering advice regarding your entitlements for your claims
- Seeking appraisals for personal property (jewelry, art, rare coins, etc.)
Homeowners expect that when they suffer damage to their home in the form of structural damage, storm damage, fire damage or catastrophic damage, the damage will be covered by their insurance company. Insurance companies often hide behind ambiguous policy language to promote their own financial interests.
Under Florida Statute Section 624.6904, property insurance provides coverage for home or business structures and personal property. When your insurance company fails to live up to its duties under the policy, you have the right to challenge the insurance company’s decision. This challenge is more likely to be successful when you have the benefit of experienced legal counsel from a proven Florida insurance attorney.
Our law firm often pursues a claims dispute or lawsuit proactively to force the insurance company to commit to a legal justification for its position. The insurance company may compromise its ability to assert other defenses if it is forced to clarify its stance early in the claims process. An experiences insurance claim attorney can identify the weaknesses or flaws in the insurance company’s position and hold the insurer accountable for fulfilling its contractual obligations. My office can guide your through the claims process, negotiations or even a lawsuit for breach of contract and/or insurance bad faith if the circumstances justify such a lawsuit.
If you have questions about a property insurance claim in Florida, we are here to help. 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.