How Do I Get My Property Insurance Claim Paid in Florida?

Miami and Florida Property Insurance Claims Attorney J.P. Gonzalez-Sirgo

Florida is one of the most gorgeous states in the country. And South Florida is truly exquisite. The Keys, Miami, Miami Beach, Ft. Lauderdale, Boca Raton, and Palm Beach, to name just a few areas – are especially beautiful. Florida has everything – white, sandy beaches, blue-green warm tropical oceans, breathtaking sunrises, incredible blue skies, boating, water sports and so much more.

Property in Florida is not only beautiful; it is amongst the most expensive in the world. Wise, responsible property owners all have one thing in common: they know they must thoroughly insure their property. Homes, condominiums, businesses, vehicles, boats, restaurants, stores, hotels, office buildings, waterfront properties, malls, stadiums, and other property are all equally subject to damage and destruction: weather damage, hurricanes, storms, floods, fire, lightning and so on. Property should be insured for the above as well as other areas, including premises liability, theft, vandalism, violence and a great number of other areas.

What About Insurance Companies – Don’t They Always Pay?

The short answer, unfortunately, is no. Insurance companies insure property owners – they certainly will take the policyholder’s money - but unfortunately, they are not always honorable. Some insurance companies intentionally or inadvertently engage in outright or borderline bad faith practices. They do not pay what they said they would pay in the event of a claim. Insurance policies are generally “contracts of adhesion” – this means that the policyholder has to accept the policy on the company’s terms, or not at all. And many policyholders simply do not read the complicated and confusing fine print. Or they are misled. Or they rely upon the word of the salesperson, broker or adjuster.

Insurance companies do many things, such as:

  • Deny claims completely or partially
  • Delay paying and draw out the process for months, years or as long as possible so they can earn interest on your money
  • Don’t investigate claims at all
  • Dispute claims as a matter of practice
  • Claim that the damage was preexisting and not subject to coverage
  • Send out adjusters who intentionally undervalue property and underestimate damage
  • “Lowball offers” – the lowest amount is offered, realizing the property owner is desperate and does not know how to challenge a claim, or does not even realize they can challenge a claim
  • Do not answer or return the policyholder’s phone calls or respond to emails or letters
  • Send redundant, unnecessary requests for information, paperwork, documentation, etc.
  • Make accusations of fraud.
  • Most of all, insurance companies often do not take any action unless they are approached by the policyholder’s attorney!

Property Insurance Claims Attorney J.P. Gonzalez-Sirgo Represents Clients Who Are Mistreated by Insurance Companies

While it is unfortunate that many insurance companies are unethical and even engage in bad faith practices, it is important to understand that as a policyholder you have the right to hire an attorney who will aggressively and effectively represent you and your interests. Attorney J.P. Gonzalez-Sirgo has represented thousands of clients since 1994 in a variety of insurance-related areas, including property insurance claims.

Attorney Gonzalez-Sirgo is a highly experienced insurance claims attorney and has the advantage of having worked for insurance companies earlier in his career as an adjuster. He understands the procedures and methodology of insurance companies.

Attorney Gonzalez-Sirgo is a compassionate lawyer who understands you need help. He understands you purchased an insurance policy with an insurance company and that they made certain promises and representations to you. He understands they “sold you” on a certain policy and you believed you would be adequately covered. He knows you have been paying for your policy with your hard-earned money and that you deserve compensation for your property damage or losses.

The Law Offices of J.P. Gonzalez-Sirgo, P.A., Represents Property Insurance Policyholders in Miami and Florida and Offers a Free Case Review

Attorney Gonzalez-Sirgo is the founding attorney at The Law Offices of J.P. Gonzalez-Sirgo, P.A., and he and his team will listen carefully to you. He offers a free case review. There is no charge for the consultation. If you choose to go forward with Attorney Gonzalez-Sirgo, he will earn his money only if he resolves your case.  The majority of cases are settled with the insurance company short of trial. However, if the insurance company does not offer a reasonable and realistic settlement, Attorney Gonzalez-Sirgo will not hesitate to take them to trial in court.

When an insurance company engages in bad faith practices, punitive damages may often be pursued. This serves to punish the company for their wrongdoing, and also results in additional compensation to the policyholder. Of course, each case is different and depends on its specific merits.

You can reach Miami Insurance Claims Attorney J.P. Gonzalez-Sirgo by dialing his direct number at (786) 272-5841, calling the main office at (305) 461-1095, or Toll Free at 1 (866) 71-CLAIM or email J.P. directly at [email protected].