According to the Insurance Information Institute, Florida is the most expensive state for homeowners insurance in the United States, with the average resident paying an annual premium of $2,380. With such a high insurance cost, policyholders expect that they be compensated for damages to their property. However, a lot of times, this is easier said than done.
Many property owners in Florida complain their claim has been denied or they have been given a low-ball settlement. In such cases, a Florida property damage lawyer is crucial to help you recover the benefits you are entitled to under your property insurance policy.
Types of Property Insurance Coverage
Property damage or loss can be caused by several different factors, including bad weather, out-of-order plumbing, and malfunctioning HVAC systems.
Mold
One of the leading causes of respiratory conditions is mold. If your house has become prey to mold do not wait for your insurance company to deny coverage. You will need the help of a property damage attorney immediately. Mold does not spontaneously grow. An experienced property damage attorney’ will be able to assist residential and commercial property owners in locating and identifying the underlying cause of the mold. As with all health-related problems, time is of the essence since you and your family’s health will remain at risk until the mold issue is properly and timely addressed.
Broken Pipes
Waking up to your home flooded is not pleasant — and paying for the high cost of water damage is even less so. Although a standard home insurance policy covers unexpected water damage from plumbing leaks inside your home, the insurance company will go to extreme lengths to deny your claim. They can say that the leak happened because you did not maintain your plumbing system or that the pipe did not burst unexpectedly but was an ongoing leak. In facts repeated seepage and leakage is one of the most common bases for denying a property insurance claim for water damage here in the state of Florida. Always keep a record of maintenance performed on your home. Providing that information to your property damage attorney is helpful to your homeowners insurance property damage claim.
Hurricanes
Most standard homeowner’s insurance policies cover damages caused by hurricanes. However, many insurance companies require a special hurricane rider to your homeowners’ insurance policy. And be aware that homeowners’ insurance does not cover damage caused by storm surge or floods that are caused by a hurricane. As such, despite purchasing an insurance policy, getting the insurance company to pay for the damage can be quite difficult since it can be challenging to prove whether the property loss was caused by flood or wind damage. In addition, 98% of Floridians live in coastal counties, which means if a hurricane hits, the insurance company will be flooded with property damage claims and may not pay much attention to you if you do not have a lawyer that will fight for what you are entitled to from your insurance company. What most people do not realize is that the personal belongings in your home are also covered as well as is any living expenses that you incur when your house becomes unlivable, and you have to evacuate it because of the damage.
Tropical Storm
Hurricanes are not the sole cause for roof leaks and other common forms of room damage. Tropical storms can generate sufficient wind force to damage your roof, including ripping out roof shingles and opening holes in the structure. Depending on the severity of the weather, roof damage can be minor or catastrophic and may necessitate you getting a whole new roof. An experienced property damage attorney can advise and assist property owners navigate the legal nuances that control between a roof repair vs. a full roof replacement.
Why Did My Insurance Company Deny Or Underpay My Claim?
Insurance companies are for-profit businesses and they make the most money by avoiding paying claims. If your home is damaged, the insurance company may resort to devious tactics to either deny your claim outright or to give you such a low settlement that would not help your recovery.
If you think your insurance company is denying you your right to fair compensation, the experienced Property Damage Attorneys at the Consumer Law Office, P.A. can help you get justice.
What Can Consumer Law Office, P.A. Do For You?
Consumer Law Office, P.A. is a plaintiff boutique law firm specializing solely in property damage insurance claims for residential and business owners throughout Florida. Our experienced attorneys have been serving clients throughout Florida for over 10 years.
The experienced Property Damage Attorney’s from Consumer Law Office, P.A. pressure the insurance companies to fairly reimburse you for your damages. No matter how extensive, costly, or complicated your property damage claim is, The Consumer Law office team of adjusters, claim specialists, engineers, experts and lawyers fight hard to get you the money you need to repair or replace your damaged property.
We have a reputation for our deep knowledge and understanding of property insurance law and for obtaining compensation to thousands of clients in Florida If you or anyone you know has experienced property damage, contact the Property Damage Attorneys at Consumer Law Office, P.A. today and schedule a free, no-obligation consultation with a top property damage lawyer. Call us at 305-940-0924 today.
