How Do I Get My Homeowner's Insurance Claim Paid in Florida?

The Law Firm of J.P. Gonzalez-Sirgo, P.A. has the experience, knowledge and skill required to handle your homeowner's property damage insurance claim throughout the State of Florida.  If your homeowner's property damage insurance claim has been denied, rejected, delayed, lowballed, or underpaid, we can help.  We also routinely work with clients that have retained the services of a Public Adjuster.  

DisasterWhen you bought your policy, both you and your insurance company entered into a contract in which the insurance company promised to cover your losses caused by certain events in exchange for your premiums.  All homeowners know how expensive property insurance has gottem.  Florida has some of the highest homeowner's insurance premiums in the country.  Don't let your insurance company get away with taking your money but refusing to follow through with their half of the deal.

As a former claims adjuster, I understand why these situations come about. Insurance companies are in the business of making money.  By delaying claims, insurance companies get to hold on to their money a little longer.  Money that is invested somewhere earning them money.  As far as insurance companies go, the only thing better than delaying a claim is denying a claim.

Insurance claims lawyer J.P Gonzalez-Sirgo has been representing insureds in insurance claims since 1994 and along with an experienced team we hold insurance companies to their word. We do exactly what insurance companies fear: We hold them to the promises that they made in the insurance policy that they sold you.

We use our experience and the experience of our selected consultants to analyze your home's damages and the available coverage under your policy and other issues such as:

  • Denied Claims
  • Lowballed Claims
  • Underpaid Claims
  • Claims Delays
  • Rejected Claims
  • Insurance Coverage Disputes
  • Requests for Examinations Under Oath
  • Requests for Sworn Statements
  • Requests for Recorded Statements
  • Issues Related to Actual Cash Value
  • Issues Related to Replacement Cost Value
  • Florida's Valued Policy Law
  • Recovery of Additional Living Expenses
  • Recovery for Theft or Vandalism Damage
  • Costs of Debris Removal Issues
  • Contents or Personal Property Claims Issues
  • Law and Ordinance Issues
  • Fraud or Arson Accusations
  • Total Loss or Constructive Total Loss Issues
  • Appraisal or Appraiser Issues
  • Umpire Issues
  • Supplemental Claims
  • Litigation and Trial
  • Bad Faith

The Law Firm of J.P. Gonzalez-Sirgo, P.A. represents homeowners with insurance claims resulting from damages caused by any of the following perils:

  • Hurricane
  • Windstorm
  • Tornado
  • Natural Disasters
  • Flood
  • Fire
  • Smoke
  • Lightning
  • Sinkhole
  • Mold
  • Water Damage
  • Plumbing Line Breaks
  • Busted Pipes
  • Vandalism
  • Theft

We routinely represent homeowners who have suffered damages to their property with the initial preparation and presentation of their insurance claim throughout settlement discussions and litigation if necessary, including in state and federal courts.

Consider the Following
You met your responsibility to yourself, your family, and your mortgage company when you purchased homeowners insurance to cover, what likely is, your single biggest asset:  your home.

You understood that damage to your home could come in many forms - from fires and floods, to storms and hurricanes, to mudslides and sinkholes. A simple leaking or burst water pipe could lead to property damage and dangerous mold. A storm could result in thousands of dollars in repairs. A hurricane could leave your family utterly homeless.

An insurance policy would protect you, you thought. If something should happen to your home, you and your family would be able to pick up the pieces knowing that you were covered.

However, when disaster does strike your home, your insurance company does not seem as concerned for your family and home as they were when they were selling you the policy and collecting your premiums. When your claim is finally processed, they either deny it altogether or provide you with a tiny sum that doesn't begin to cover the losses your family has suffered.

You thought you were doing the responsible thing by buying insurance, but now you're in the same situation as you would have been if you had not tried protecting your home in the first place.

Justice

If Your Home Has Been Damaged:

Mitigate, Document, Notify, and then CALL US Immediately
The moment that you notice damage to your home as a result of an event that you believe is covered under your policy, do as follows:

Mitigate
Use your best efforts to make temporary repairs to the damage so that the condition doesn't get worse.  This will prevent the insurance company from later claiming that your damages are the result of your failure to mitigate your damages.  For example, if you have a roof leak, hire a roofer to put a tarp over the leak area.  Try not to pay the repairman in cash for the temporary repairs and if you have to pay in cash, get a receipt and his name and contact information. Submit the temporary repair receipts to your insurance company for payment.

Document, Document, and Document
Take pictures of all affected areas.  Take video, if you can, of all affected areas.  Hold on to any receipts and estimates for repairs.  Get the contact information for any contractors that come to your house to give you estimates.  Do not throw out any correspondence or documents that are sent to you by your insurance company.  If you are mailing anything to your insurance company do it by certified mail, return receipt requested, and make copies of whatever you are sending for your records.  Keep a journal of all your communications with your insurance company.  If you become aware of any witnesses that have knowledge of any aspect of your claim, record their name and contact information.  Don't throw out any of the damaged items in your house.  
  
Notify
Put your insurance company on notice of the claim.  Call your insurance company and let them know what happened.  Get the name of the adjuster assigned to your claim, his or her contact information and the claim number.

Contact A Professional For Help
Let us use our experience to help you.  Even if your homeowner property damage insurance claim isn't new, and even if you unknowingly accepted the small check the insurance company gave you, you may still be able to pursue your claim for the full value of your damages - you may be able to reopen an unfair claim years after the loss.