The insurance claim lawyers in Florida at the Shochet Law Group work with individuals, homeowners, and companies whose property insurance claims have been denied, delayed, or underpaid. We assist clients who have homeowner’s insurance or commercial property insurance, who may be facing challenges when making a claim. A range of issues can arise when making an insurance claim. Adjusters have an upper hand because they are well-versed on the law and on the fine print of your policy. For this reason many individuals facing challenges with an insurance claim may choose to hire a Florida insurance claim lawyer to help them navigate the process.
For example, if you have made a homeowner’s insurance claim following a storm, fire, flood, hurricane, or other loss and believe your settlement is underpaid, the Shochet Law Group is an insurance claim law firm in Florida that may be able to assist you. Our insurance claim lawyers in Florida can look closely at your case and estimate the value of your damages, review your insurance policy to help you understand your rights, and negotiate with insurance adjusters to help you get the settlement you may deserve under the law. The Shochet Law Group are also prepared to fight cases in court if they cannot be settled through negotiation. If you are facing difficulty with a homeowner’s insurance claim or property damage claim, contact the Florida insurance claim lawyers at the Shochet Law Group. We help clients with a range of insurance claims, including:
- Roof Damage Claims
- Fire Damage Claims
- Water Damage Claims
- Homeowner’s Insurance Claims
- Hail Damage Claims
- Hurricane Damage Claims
- Property Damage Claims
- Underpaid Insurance Claims
Are you facing difficulty with an insurance claim in Florida? Following a storm, flood, or hurricane, many property owners find themselves facing difficulties, either because their claims are denied, or because they feel that their insurance claims were underpaid. If you find yourself facing challenges with a Florida insurance claim, reach out to the Shochet Law Group today. We may be able to help you.
How an Insurance Claim Denial Lawyer in Florida Can Help You
Insurance claims are denied for a variety of reasons. Sometimes the reasons why a claim might be denied are legitimate, but sometimes claims are denied wrongly. If you are having trouble understanding whether your insurance claim was denied for legitimate or illegitimate reasons, or think your insurance company might be acting in bad faith, consider reaching out to the Florida insurance claim denial lawyers at the Shochet Law Group today. Our insurance claim denial lawyers can review your policy, look at the fine print, evaluate the reasons why your claim was denied, and fight for your rights. Here are some reasons why claims get denied:
- Policy doesn’t cover the damage. One of the most common reasons why insurance claims get denied is due to the fact that the damage isn’t covered in the policy. Many standard insurance policies won’t cover flood damage, and you may need to purchase additional coverage to cover flood damage. In some cases, if it isn’t clear whether the damage to your home was due to wind or flooding, or if both types of damage are present, insurance policies may include loopholes that let the company off the hook. If you aren’t sure whether something is or isn’t covered under your policy, the insurance claim denial lawyers in Florida at the Shochet Law Group may be able to help you. In some cases if you have valuable property in your home, you may need to purchase additional insurance coverage to protect it from loss.
- Missed Deadlines. If you fail to report the damage on time, the insurance company may deny your claim because you didn’t follow the time limits on the policy. This is why it is important that you report damage as soon as possible and submit all paperwork. Yet, sometimes paperwork gets lost and sometimes adjusters are so overwhelmed that they don’t keep track of documents. If you submitted your paperwork on time and reported damages on time but are still finding your insurance claim denied because the insurance company claims you didn’t report damages on time, the insurance claim denial lawyers in Florida at the Shochet Law Group may be able to help.
- One thing that people may not take into account is the fact that the deductible must be paid before the insurance company pays anything. If your deductible is high, you may not receive any money from your insurance company, especially if the value of your damages are low. However, there are situations where this could lead to a dispute. For example, if the adjuster claims your damages are lower than they are, and the amount quoted is lower than the deductible, then the insurance company may deny your claim. But if you can show that the damages are in fact higher than the deductible, you may be able to get the insurance company to pay you the difference. The Shochet Law Group is a Florida insurance denial law firm that may be able to help you, particularly by looking at how much your claim has been valued by insurance adjusters.
- Failure to pay premiums. If you failed to pay your premiums on time, you could also face a denial of your insurance claim.
- Insufficient information. If you cannot provide documentation to prove your losses, your insurance company may deny your claim. If you don’t have receipts or photos of damaged property, your insurance company may not pay your claim. The Shochet Law Group is an insurance denial law firm in Florida that may be able to help you gather required documentation and information to support your claim.
- Damage is not from a covered source. Regular wear and tear of your home, or an invasion by murder hornets is typically not covered by homeowner’s insurance. If you are trying to seek compensation for uncovered damages, your claim may be denied.
- You failed to protect your property. If a hurricane comes and blows away your roof, you may be required to put up a tarp or perform temporary repairs to prevent further water damage to your home. If you fail to do this, your insurance company may deny your claim citing negligence. Yet, if you do need to make temporary repairs, keep all receipts, because this may be included in your claim.
There are a range of reasons why insurance claims get denied. The Shochet Law Group is a Florida denied insurance claim law firm that may be able to help you fight back, if your claim was wrongfully denied. Sometimes claims are even denied in bad faith. The Shochet Law Group may be able to help.
What to Do If Your Insurance Claim Was Wrongfully Denied in Florida
If your insurance claim was denied, the first step you may want to do is read your policy, and check to make sure that the claim is being denied for wrongful reasons. If you think your claim is being wrongfully denied or underpaid, you may want to reach out to an insurance claim lawyer in Florida. The Shochet Law Group is an insurance claim denial law firm in Florida that may be able to assist you with appealing a denied homeowner’s insurance claim or property insurance claim.
A Florida Insurance Claim Denial Lawyer May Be Able to Help
In the aftermath of a hurricane or other major storm, many homeowners or property owners hear “no” from their insurance companies when they should hear “yes.” Many receive significantly underpaid settlement offers. Others may struggle to navigate the claims process and may need help. If you find yourself struggling to make your homeowner’s insurance claim or property owner’s insurance claim following a Florida storm, consider reaching out to the Shochet Law Group. Our lawyers understand the law, can read the fine print of your policy, and may be able to help you navigate the insurance claim process or denied claim appeals process every step of the way. You don’t have to navigate the aftermath of a storm that has damaged your home, alone.