More Answers to Common Questions About Homeowners Insurance Claims

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

How can you lower your homeowners insurance premiums?

If you agree to a higher deductible amount, you can reduce your premium payments.  There are also other measures that might merit discounts, such as installing a security system, fire alarms, storm shutters and other measures to mitigate potential risks.  When shopping for insurance, you should inquire about how safeguards like these might impact your premiums.

Can you file a complaint against your insurance company your State?

If your insurance company initially fails to handle your claim properly or promptly, you might want to escalate the issue informally with the insurance carrier.  It is important to carefully review your policy and the denial letter prior to contacting the insurance company, so you are prepared when you talk to the representative.  If the adjuster you are dealing with is not helpful, you can ask to speak to a supervisor.  Many policyholders will find that these avenues do not prove fruitful.  When your insurance company is not helpful, every state department of insurance provides a process for filing a complaint.  While this might generate progress in resolving the claim, the state will not directly compel the insurer to pay your claim.  If the complaint does not resolve your problem, you might want to seek legal advice from a an experienced insurance claims lawyer.

How does policy language regarding “Acts of God” impact your homeowners insurance coverage?

Historically, most insurance policies contained an exclusion for Acts of God, which includes acts of nature that cannot be prevented or controlled.  These potential perils can include flooding, war, tornados, hurricanes, ice storms, and similar perils.  Current homeowners insurance policies increasingly provide coverage for many of these potential perils.  However, you should review your policy to determine whether the Acts of God provision excludes perils that you want covered.  A rider can often be purchased to cover a particular peril.  Some Acts of God are covered with respect to certain types of damage but not covered for other types of loss.  

Will your claim for mold damage be covered under your homeowners insurance policy?

If your home has been damaged by water penetration, proper remediation is necessary to avoid mold damage.  Some insurance policies limit or exclude mold damage, so you should carefully review your policy to determine if this type of peril is covered.

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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