Hurricanes displaced millions of Americans in 2019, according to data from the United States Census Bureau. Hurricanes typically leave families displaced from their homes and stranded. If this happens to you, the most important thing is to keep you and your family safe and seek safe refuge. Haggling and locking horns with your insurance company should be the last thing on your mind. But once you’re secure, a professional property claim lawyer in Homestead, FL, can make the difference between you moving forward with your life or having to spend weeks or months slugging it out with your insurance company.
Obviously, personal items like family photos and other things of deep personal value may never be recovered. Still, your now damaged home can be rebuilt if your insurance company pays out the maximum coverage stipulated in your insurance policy. Fortunately, Louis Law Group’s legal professionals will be happy to negotiate with your insurer on your behalf to get you fair compensation.
Know your Insurance Rights
Your rights as a homeowner in Florida include the right to be notified by your insurance company about the receipt and verification of your claim. Your insurer must also notify you if part or all of your claim is covered or if for any reason your claim has been denied. Also, you’re entitled to a payout on your claim within ninety days.
If you suspect that your insurance company is acting in bad faith, forcing you to accept less compensation than you deserve, or otherwise breaching the Florida Homeowner Claims Bill of Rights, it may be to your advantage to seek the services of a property claim lawyer in Homestead, FL.
If your Homestead insurance property claim is denied, there are certain steps you must take. Louis Law Group, a Florida-based Property Claim Lawyer, is ready to help you along the way with:
- A correct understanding of your property insurance policy. It’s important to have an adequate understanding of your rights and what’s involved in getting your expenses covered. This is to ensure that you won’t be cheated. Many people have only a vague understanding of the conditions, terms, deductibles, limits, and language in their insurance policy. Although some terms and policies, including the endorsement, may be long and complex, you should still take the time to understand your policy. There are important facts you may need to know before you file a claim. These may include:
- Sub-Limits/Policy Limits. You need to understand the limits that apply to your Homestead property insurance policy. For example, if the property is a total loss, you need to know how the value of your loss will be calculated. You must also review the policy limits periodically to know whether your coverage is still valid. There can be restrictions on coverage for certain types of personal property.
- These are requirements included in the policy. When these requirements are met, it the insurer must accept and pay your claim. For example, you need to take steps to prevent further damage to your property. Your insurer will investigate the claim to make sure you have met the requirements.
- Many people are unaware that their policy includes exemptions regarding the type of property or damages that their insurance will cover. For example, in Florida, most insurance exempts water damage, because this type of damage is mostly covered through the National Flood Insurance Program (NFIP) and you can obtain coverage for some forms of loss without filing a claim through a standard policy.
- Before contacting your insurance company, confirm whether your claim needs to be improved, adjusted, or upgraded. Also, ensure the evidence you provide is enough to support your claim. For example, if you have only one photo of the damage to your glass window, take more photos of it from different angles. If you don’t include enough evidence in your initial claim, ensure your second claim includes videos, photos, receipts for items and repair estimates before reconnecting with your agent or company.
- Confirm whether your claim offer can be recalculated if you find new evidence. Adjusters can make mistakes in their calculations. Be patient and listen to everything they have to say and take note of their instructions. However, even if a company eventually asks an adjuster to recalculate your claim expenses, it may not change the settlement offer. Some people will ignore the recalculation and go with the initial estimate.
- Keep records. After you file your claim with the insurance company, you need to keep a record of all the information and materials sent to you. Every letter and email you get from your insurance provider should be kept with the correspondence you sent to them. If communication is through a phone call, keep a record of the name of the person you spoke to, their title, the date, and the subject you discussed.