Presenting your Claim - Document, Document, Document
Once your boat has sustained damage due to a covered event (for example, your boat was damaged in an accident or as a result of vandalism or theft) you need to begin to document your claim. 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.
Take pictures of the damage to the boat if possible (obviously you can't take photos of a stolen boat that has not been recovered). Take video, if you can, of the property damage. Hold on to any receipts and estimates for repairs. 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 vessel parts. In short, document everything.
Claim Delays, Claim Denials
If your claim is being delayed by your insurance company or has been denied don't be surprised. In particular, stolen boat claims in Miami and throughout Miami-Dade County seem to come under unreasonable scrutiny by the insurance companies.
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.
In simple terms, when you bought your insurance policy your insurance company entered into a contract in which they promised to pay out the insurance benefits in the event you suffered a valid claim in consideration for payment of certain premiums. You and your family were responsible and sacrificed to make those timely insurance premiums. Don't let your insurance company get away with taking your money but refusing to follow through with their half of the deal.
We use our experience and the experience of our selected consultants to analyze your damages and the available coverage under your policy and other issues such as:
- Denied Claims
- Underpaid Claims
- Lowballed Claims
- Claims Delays
- Rejected Claims
- Insurance Coverage Dispute
- 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
- Fraud or Arson Accusations
- Total Loss or Constructive Total Loss Issues
- Diminution of Value Claims
- Allegations of Material Misrepresentation
- Issues Related to the Application for Insurance
- Appraisal Issues
- Umpire Issues
- Recovery for Theft or Vandalism Damage
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].