Florida Homeowner Insurance Claim Help
RUSSELL | LAW and Patrick Russell, Esq., a Florida Insurance Lawyer, can assist you with your Florida homeowner insurance claim. Homeowner’s insurance provides insurance coverage for residential homes. Homeowner’s insurance coverage is primarily intended to cover damages to the home and its contents due to flood, fire, windstorm or other covered perils. Homeowner’s insurance can also provide liability insurance coverage to protect you from claims for injuries or damages that may occur while someone is on the premises of your property. Insurance coverage can be denied if you fail to comply with the conditions of the insurance policy, do not make your claim in a timely manner, fail to give the insurance company an opportunity to inspect, or fail to mitigate your damages (make temporary repairs to prevent further damage). Just because the insurance company denies your claim does not mean the denial is proper. If you are having problems getting paid on an insurance claim or your insurance claim has been delayed or denied, you should seek the services of a lawyer immediately.
Florida Homeowner Insurance Coverage Disputes
In some instances, insurance coverage disputes arise because there is a claim that a particular damage is excluded under the insurance policy. For example, while some insurance policies provide coverage for water damages they may also at the same time specifically exclude water damage as a result of "bursting pipes". It is therefore very important to review your insurance policy exclusions so that you understand exactly what is covered and what is excluded from coverage. There may be many examples in your insurance policy in which coverage is provided but then it appears to be excluded in a different section. The insurance company as the drafter of the insurance contract has a duty to not make the terms of the contract ambiguous nor to give coverage with one hand and then take away with another hand.
Florida Homeowner Insurance Damage Disputes
Another cause for dispute is when neither you nor the insurance company can agree as to the actual value of the damages. It is important to have photos, a current appraisal of your home and/or an inspection report at the time of purchasing the insurance to justify your position that the claimed damages were not preexisting. You may also find that the insurance company’s repair estimate is significantly lower than what your own contractor has quoted to repair the job. To assist in the claims process, you should keep receipts for all your personal property (furniture, electronics, etc.) in a safe place in the event that you need to make a claim. When you have a claim and need to make repairs, you should also keep copies of all receipts, invoices, and estimates so that they can be provided to the insurance company to support your claim for damages. Should a dispute arise between you and your insurance company as to the value of your claim, do not hesitate to contact a lawyer to review your claim and assist you with the claims process.
Florida Homeowner Insurance Claim Lawyer Benefits
If you have had a loss due to fire, theft, windstorm or flood, we can assist you so that you receive the full compensation that you are owed. Russell Law will review your insurance policy to assess coverage and work with you to timely and properly process and present your claim to the insurance company. Afterwards, this office will work directly with the insurance company to evaluate your loss and determine the amount of damages that you deserve. If coverage is denied or an agreement cannot be reached as to the value of the damages, Patrick Russell, Esq., can file a lawsuit against your insurance company to determine the value of your loss.