The Florida property damage claim lawyers at the Shochet Law Group work with homeowners whose insurance claims have been denied, delayed, or underpaid. If you are having trouble getting the settlement you believe you deserve after a hurricane, fire, flood, or after suffering roof damage, water damage, hail damage, or other types of property damage, the property damage claim lawyers in Florida at the Shochet Law Group are here for you. Our lawyers can read your insurance policy to identify the fine print and any exclusions, and help you understand your rights and options under the law. We can negotiate with insurance companies to help you get the best possible settlement permitted under the law. And we can fight for your rights either inside or outside of court if your insurance company acted in bad faith. Insurance companies have a legal obligation to pay your insurance claim fully and in a timely manner. If your insurance adjuster misrepresented your coverage, lied to you, or failed to pay your claim in full under the provisions of your insurance policy, the Florida property damage claim lawyers at the Shochet Law Group may be able to help.
What To Do If Your Property Has Been Damaged in Florida
It’s awful to learn that your property has been damaged in any way. For many people their home is their primary investment. Any damage to your roof or home could reduce the value of your investment and require costly repairs. If your property has been damaged in a hurricane, fire, or due to water damage, or other cause in Florida, your first step should be to report the damages to your insurance company. Your second step should be taking steps to protect your property from further damage. If, for example, your roof has been damaged, you may want to put up a tarp to further protect your home from more water damage. If a window was broken, you may want to board up the window to prevent break-ins and water intrusion. Failing to take these additional steps could result in denial of your claim or your insurance company claiming that some damages were due to your own negligence.
If you need to stay at a hotel while your home is being repaired, be sure to keep all receipts for food and lodging. If you need to buy new clothes because clothes were damaged in a storm, keep receipts, but keep in mind that your insurance company will only cover replacement costs, not costs for an upgraded wardrobe.
When making your insurance claim, you’ll likely need to submit a proof of loss document. This document outlines the damages you have sustained, offers documentation of any items that may have been damaged or lost in the process, and may also include a quote from a trusted contractor. The thing to keep in mind when dealing with your insurance adjuster is that you’ll need to prove all loses. So, this may mean providing receipts, quotes, or other documentation to prove the loss. This can be especially challenging if this documentation was damaged in a hurricane or burnt in a fire. A Florida property damage claim denial lawyer at the Shochet Law Group may be able to assist you if your insurance company has denied your claim because you cannot provide proof of loss.
If you are having difficulty proving your loss, or if your insurance company has denied or delayed your claim, the Shochet Law Group is a property damage law firm in Florida that may be able to help you. Our property damage lawyers in Florida can help you with the appeals process and can help you with your claim. We are here for you.
How a Property Damage Claim Denial Lawyer Can Help You
If your property damage claim has been denied in Florida, a lawyer at the Shochet Law Group may be able to help you. There are many legitimate reasons why insurance companies deny claims, but there are also situations where claims are wrongfully denied, and sometimes it can be difficult to tell the difference between a legitimate denial and wrongfully denied claim. A situation that may seem like a legitimate denial may in fact be a bad faith denial upon closer inspection.
Let’s look at the example of a denied claim because you didn’t meet the deductible. This sounds like a legitimate denial on the surface, because you must meet your deductible before your insurance pays. But what if your insurance company valued your damages as less than they are worth? What happens if you find yourself paying out of pocket for repairs up to your deductible, but then beyond it, because your adjuster didn’t put the right dollar figure on your claim? This is a situation where a property damage claim denial lawyer in Florida may be able to help you. The value of damages can be incorrectly assessed due to many reasons. A Florida property damage claim denial lawyer can look over your adjuster’s estimate and identify any errors.
What are some other situations where a property damage insurance claim may be wrongfully denied? Sometimes insurance adjusters may improperly identify the source of damages. Because flooding damage is excluded from most standard insurance policies, insurance companies may exclude all water damage. While there may be certain limited situations where this may be permissible, in general, if the water damage happened because a pipe burst or your roof leaked, your insurance company may be required to pay up. If you are having difficulty because your insurance company is wrongfully claiming your damages are excluded under your coverage, the property damage claim denial lawyers in Florida may be able to help you.
There are other situations where a claim may not be denied, but rather, where a claim is underpaid. Underpaid claims can be just as devastating as denied claims. Most homeowners budget for paying their deductible should a storm hit, but many homeowners don’t budget for paying more. If your insurance company fails to pay the full amount of damages to which you are entitled, you could find yourself facing paying these expenses out of pocket.
The Shochet Law Group is a Florida property damage claim law firm that fights for the rights of homeowners when their claims have been wrongfully denied, delayed, or underpaid. Insurance companies have a responsibility to meet their obligations. Failure to do so can result in serious damages and losses. The Shochet Law Group is a property damage claim denial law firm in Florida that may be able to help you.
Contact a Florida Property Damage Claim Lawyer Today
The property damage claim lawyers in Florida at the Shochet Law Group may be able to help you get the claim you deserve following property damage. Our firm can look over your policy, read the fine print, and help you understand your rights under the law. We can help you negotiate with insurance adjusters and even fight your case in court if your claim cannot be settled outside through meditation or negotiation. Our Florida property damage claim denial attorneys may be able to help you every step of the way. Contact us today to learn more.