You are not married to the insurance company's unilateral decision as to what the value of your claim is. If you don't agree with your insurance company's assessment of what the value of your claim is, including the price of labor and materials, you have the right to seek the assistance of an insurance claims lawyer to evaluate your claim.
That lawyer will consult the appropriate experts, put together the appropriate estimates for your claim, present those estimates to the insurance company with backup documentation to support his or her position, and attempt to negotiate the settlement for you. And if that settlement negotiation does not work, then that attorney can bring a lawsuit against the insurance company to make sure that you recover the monies you need to put your home back in its pre-loss condition.
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].