Our Florida Home Damage Attorneys Help Homeowners Secure Full and Fair Insurance Benefits
If you have homeowners’ insurance and have experienced damage to your home or property, then you can file a claim with your policy provider to recover compensation for your losses and damages. However, many people may not realize that there is a complex, involved process required to get the money you actually deserve out of a claim. Insurance companies make a profit by paying out as little as possible on their claims in order to maximize profits on the premiums they collect, and in our experience, your home damage claim will be handled with this goal in mind.
At Bernheim Kelley Battista, LLC, our Fort Lauderdale home damage insurance attorneys are skilled, diligent, and experienced advocates for property owners. With deep knowledge of Florida law and the insurance claims process, we know how to hold the big homeowners’ insurance carriers responsible for paying benefits. If you have any questions about the home damage claims process, our legal team is more than ready to help. To set up a free, fully confidential consultation with a Florida home damage insurance lawyer, please do not hesitate to contact our Fort Lauderdale office today.
Are you considering filing a home damage claim? You are certainly not alone. According to the Insurance Information Institute (III), approximately five percent of insured homes file a property damage claim each year. Some of the most common property damage claims in Florida include:
Different policies have different coverages. To know what is covered by your policy, it is crucial that you obtain a copy and review the specific terms of the insurance. As our attorneys have recovered money for our clients, the policyholders, for damages in a wide range of cases, we have reviewed many insurance policies. Some of the most common things that are covered by homeowner’s insurance policies include:
If your home has been broken into, damaged, or if there is an accident on your property, your insurance policy may cover your losses in these instances. While these issues are commonly covered, we will need to look at your specific policy in order to determine exactly what is and is not covered by your insurance policy to be sure that you have financial protection for incidents that you are concerned about.
The simple reality is that not all property damage is covered by a typical homeowners’ insurance policy. Once again, you will need to refer to the specific terms of your policy to know what is or is not covered in your case. That being said, home damage that is often not covered in Florida includes:
Was your home damaged in a storm, due to a fire, by water leaks, or for any other reason in Florida? It is crucial that you take proactive measures to protect your property, your rights, and your financial interests. Here are some key steps to take if your home is damaged in Fort Lauderdale:
To learn more, schedule a free consultation with us today.
Be proactive; it is best to hire a property damage attorney at the first indication of trouble in the claims process. If your home sustained significant damage, you can benefit from an attorney. An attorney can also help you if you have been offered an unreasonable low amount for repairs or if your home damage claim has been denied.
Coverage always depends on the specific terms of your policy. That being said, homeowners’ insurance typically covers wind damage in Florida, including hurricane damage and tornado damage. However, general homeowners’ insurance often does not cover “flood” damage—meaning damage caused by a storm surge in a hurricane may not be covered without a specific flood policy.
Was your property damaged in Florida? A proactive approach to the homeowners’ insurance claims process can put you in the best position to secure the compensation that you need to pay your bills. Here is an overview of four of the most important steps to file and settle an insurance claim:
The time frame varies based on many factors, including the complexity of your damage. However, the https://www.myfloridacfo.com/ explains that state law requires a homeowners’ insurance company to have 90 days from the date that you filed your claim to either accept it or deny it. If your claim is accepted, your benefits should be paid within an additional 20 days.
Florida requires insurance companies to use good faith settlement practices. When they fail to do so, they can be held legally liable for additional damages (bad faith damages) under Florida Statutes § 624.155. Bad faith occurs when an insurance company uses unfair and unjust practices to try to make it more difficult for a policyholder to get their full and proper benefits.
In Florida, your homeowners’ insurance company has a legal duty to send a written denial letter when rejecting your claim. The denial letter has to satisfy certain basic legal requirements, including but not limited to providing a reason why your claim was denied. Unfortunately, property insurance denial letters are often vague and filled with industry-specific language. Our home damage insurance lawyers can review your policy and your denial letter to determine why your benefits were denied.
Yes, you are not required to accept an initial settlement proposed from your insurance company. In fact, insurance companies often lead with relatively low settlement offers in home damage claims. You can negotiate for additional. That being said, you will need to be prepared to present a strong and compelling case that is supported by reliable evidence. An experienced Florida homeowners’ insurance claims attorney can help you negotiate.
You can always afford to hire a top Florida home damage claims attorney. To start, we offer a free consultation for homeowners who need to file a damage claim. This will give you an opportunity to discuss the situation, understand your rights, and evaluate your options. Filing a claim may seem like a fairly straightforward process, but few realize the amount of work that goes into getting a fair and comprehensive payment for the damages that are covered under the policy. When you have an experienced attorney managing your claim, you can be confident that they are taking all necessary steps to recover the money you need to repair and replace the damages in your home.
Homeowners’ insurance claims are complicated. Unfortunately, many people and families struggle to get the full and proper benefits that they need to pay for repairs. You cannot rely on an insurance company to look out for your best interests. At Bernheim Kelley Battista, LLC, we go above and beyond to help property owners maximize their recovery. When you contact our Fort Lauderdale office, you will have a chance to consult with a Florida home damage lawyer who can:
At Bernheim Kelley Battista, LLC, our Florida homeowners’ insurance claims attorneys are standing by, ready to help you get real justice and real results. If you need help filing an insurance claim or preparing an insurance appeal, we are here as a resource. Call us now or contact us online to set up your free, confidential, no obligation consultation. With law offices in Fort Lauderdale, Miami, Jacksonville, Starke, and Fort Myers, we handle home damage claims throughout Florida.
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