Homeowner's Property Damage Insurance Claims

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

When you bought your insurance 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 gotten.  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.

Some of the issues that come up during homeowner's insurance claims are:

  • Denied Claims
  • Lowballed Claims
  • Claims Delays
  • 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
  • Bad Faith

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.

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 find yourself in the same situation as you would have been had you not purchased insurance.

 

Let us use our experience to help you.  Even if your homeowner property damage insurance claim goes back a few years, and even if you unknowingly accepted the small check the insurance company sent 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.

You can reach Miami Insurance Claims Lawyer 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 Attorney Gonzalez-Sirgo directly at[email protected].

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