Fundamental Facts Every Homeowner and Business Owner Should Know about Florida Insurance Claims

J.P. Gonzalez-Sirgo
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Founder of J.P. Gonzalez-Sirgo, P.A.

Although homeowners insurance coverage is a valuable form of financial protection against loss if your home is damaged by fire, vandalism, wind or other perils, there are common issues that can derail property damage claims.  When you are a homeowner, there are some fundamental facts that every policyholder should understand.  We have provided some of this basic information in this blog post.

Do I need an attorney f I have faithfully forwarded all of my premium payments and complied with my policy?

You might need a Miami insurance coverage attorney because the issue is not whether you have actually done anything wrong, but whether your insurer claims that you have somehow violated your duties under your policy.  The insurer will look for certain “red flags” that might be used to assert fraud or factors that might give rise to an alleged exclusion.  Early intervention of an insurance attorney can sometimes avert a long drawn out battle with your insurance carrier.  If this battle cannot be avoided, your insurance claims attorney can take on your insurance company’s lawyers, experts and adjusters.

Should I agree to provide a recorded statement as requested by my insurance company?

Generally, the bulk of insurance policies include provisions requiring policyholders to cooperate with the adjustment process.  This is especially true of business and homeowners policies.  However, you should be cautious regarding the nature and extent of the questions.  If your loss was caused by fire damage, for example, you might want to reschedule the recorded statement, so you are represented by a legal representative if you are being asked detailed questions about financial liabilities, debt load, business difficulties and flammable materials in your home.

What should I expect to pay if I need to hire an attorney to assist in compelling my insurance company to fulfil its policy obligations?

Our Miami insurance claims law firm does not charge for an initial consultation.  During this consultation, we will evaluate your situation and outline potential strategies along with the fees and costs.  Generally, we handle insurance claims disputes for policyholders on a contingency fee basis.  This means that our law firm typically advances costs and only collects legal fees if we recover from your insurance company.

What should I do if my insurance company is agreeing to pay my claim, but I believe the amount they are offering is too low?

If you have a homeowners or business policy, the policy probably includes a provision for appraisal.  Although the appraisal process cannot be used to contest coverage, it can be used to obtain resolution of the value of a claim by an impartial umpire.  The basic approach typically involves both the insured and insurer picking their own appraiser who together select an umpire.  If the parties cannot agree on an appraiser, then the issue can be resolved by a judge.  Policyholders should not agree to an appraisal or request an appraisal until they have spoken with an experienced Florida insurance attorney.

If you have questions about Miami-Dade homeowners insurance claims, you are welcome to contact my Miami insurance claims 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.

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