The Florida Keys suffered tremendous damage, resulting from the force Irma exerted. This was a very strong hurricane. Now as Floridians we have to deal with the aftermath.
This of course entails dealing with insurers in order to procure funds to perform repairs or replace damaged property. Homeowner’s claims can be tedious and complicated. Our office has handled many homeowner’s claims over the years. We understand that homeowner’s policies are confusing and complicated. To simplify, a homeowner’s policy is a contract to cover certain losses, should they occur, so long as certain conditions are met.
As a Miami Homeowner’s insurance attorneys, we understand the complexities of the claims process. Homeowner’s insurance companies are business. Like any for profit entity their goal is to maximize revenue and reduce losses. Therefore, insurance companies will analyze your claim with a fine tooth comb. Insurance companies will look at your policy and application with tremendous detail.
If you do not meet post lost conditions, it is very likely that your insurer will deny your claim. What you want to try to avoid is that your insurer deny, delay, or undervalue your claim. How is this done? Hire a South Florida Homeowner’s Insurance Claims Lawyer. This will help make sure that your rights are preserved and your claims is properly presented.
Remember that it’s important to promptly report a claim and also make sure that you do all you can to stop the loss from getting worse. Preventing your loss from getting worse is called mitigation. Most policies have a duty to mitigate provision. However, you must be careful to also allow your insurer to inspect. If you mitigation impedes inspection, then it may complicate your claim. In these circumstances it may be wise to make temporary repairs that allow for appropriate inspection of your property.
It is also wise under these circumstances to contact licensed contractors to give you estimates pertaining to the costs of repairs to your premises. A general licensed contractor may be able to give you a good idea of the costs involved. Keep in mind that most homeowner’s insurance policies in the State of Florida have applicable deductibles. Find the declarations page of your insurance policy to understand what your deductible is.
We do not recommend that you give any statements to your insurance company without a Miami-Dade Homeowner’s insurance attorney present to assist you. Again, this will help to protect your rights and claims process. After a storm of this magnitude the financial consequences of these claims can be very important for a homeowner. Therefore, it is important to have the right assistance to present your claim. An attorney can help you through this trying time.
Our attorneys are here to assist you with your Florida Homeowner’s claim. Whether you are in the keys, Naples, or South Florida we are here to help you. Our attorney’s will answer any questions or concerns you may have. Consultations are free. Please call us directly at 305.764.9907 for assistance.