Property damage can be devastating and often leaves you feeling overwhelmed. The damage from floods, storms, hurricanes, vandalism, and theft can significantly affect a homeowner’s finances and mental state. You expect that your home insurance company will protect your finances after such a disaster.
Sadly insurance companies only look out for themselves. Insurance carriers will try to deny your claim unfairly or pay far less than what you deserve. At Klotzman Property Damage Law, we understand the tactics insurance companies use and we fight for the rights of policyholders.
We have a team of experienced and skilled Miami homeowners insurance lawyers ready to help with your property damage insurance claim. Call us at 954-915-7405 today for a free consultation.
What Are Common Issues With Homeowner’s Insurance Claims?
When you file a homeowner’s insurance claim after damage to your home, you are likely going to come across a lot of problems. Filing a claim can be quite overwhelming, and many claims are denied for both legitimate and unfair reasons.
At Klotzman Property Damage Law, we are ready to help you with any homeowner’s insurance claims that you may have to file in Miami, FL. With our expertise in handling various homeowner’s insurance claims over the years we have been in business, we will fight for the full amount that you deserve.
Here are some of the common issues you may face when filing a claim with your homeowner’s insurance policy.
Failure to Protect Your Property
In the event of any threat to your property, the first step you may take is to protect your family. However, your homeowner’s insurance policy also states that you need to take steps to limit damage to your property.
For instance, you need to salvage as many of your possessions as possible or protect your roof from rain and other weather elements by placing a tarp. Therefore, your insurer may refuse to pay for the damages if they could have been prevented.
Discarding Damaged Property Before Inspection
After a catastrophe, it’s ideal to clean up your home. However, you must not throw away any damaged property, especially if your insurance adjuster hasn’t fully inspected it. Your insurance company may get the idea that you are hiding something. Additionally, it may make it harder to establish a figure for your losses.
Failure to Work With Contractors Recommended by the Insurance Company
Your homeowners insurance company will not force you to work with a contractor if you don’t want to do it. However, when it comes to compensation, they may delay or refuse to pay it if they notice any type of indifference.
Your homeowners insurance company will determine whether or not you have to repair or replace any damaged property in your home. It may become problematic later on, especially because of the following issues.
- The repaired sections in your home don’t match with the rest of the house.
- You are not satisfied with the quality of your property after the repair job is completed.
Failure to Present Necessary Documents to Support Your Claim
When you make a claim for damaged property, you need to have supporting documents. If you are unable to present these documents such as receipts, photos, proof of ownership, and much more, your claim may be denied.
Insurers will often try to blame damage to your home on factors beyond the scope of your policy or claim that damage to your home falls under an exception in your policy. For example, your insurance carrier may try to claim that hurricane water damage to your home falls under flood damage, even if the damage occurred due to a leaky roof caused by rainstorm damage during a hurricane.
Homeowners Insurance Policy Misinterpretation
It’s always a good idea to read the fine print of your insurance policy since there may be clauses that will come in handy when you make your claim. Take your time reading the insurance policy to avoid any mishaps in the future.
What Is the Homeowner’s Insurance Claims Process Like?
When you make a claim on your homeowner’s insurance policy, the process can be complicated. You should notify your insurance company of damage to your home as soon as possible. Be sure to document all of the damage to your home and save all receipts. You should fill out the claim forms sent by your insurance company and provide all the documentation.
In most cases, the insurer will send an adjuster to inspect the damage to your house and offer you a settlement for repairs depending on the policy in question.
The Homeowner Claims Bill of Rights requires that insurance companies in Florida respond to claims in a timely manner.
- Policyholders have the right to receive an acknowledgment of the claim within 14 days of communicating the claim to insurance.
- Upon written request, the insurance company should provide a statement that the claim is covered in full, partially covered, denied, or under investigation within 30 days after you submitted a proof of loss statement.
If you believe the insurance company has unfairly denied your claim or the settlement offer is less than you deserve, call our Miami homeowners insurance lawyers for help.
What Are Bad Faith Homeowners’ Claims?
Your homeowners insurance company may deny your claim for legitimate reasons but if the claim is underpaid or denied unfairly, your insurance company will not be acting in good faith. It’s always a good idea to read the fine print of your insurance claim to avoid denials when you eventually request compensation.
Here are some examples of bad faith by insurance companies.
- Offering less money than a homeowners claim is worth
- Failing to conduct a prompt and thorough investigation
- Refusing to pay a legitimate claim
- Misrepresenting policy language or the law
- Delaying payment of a legitimate claim
- Making threatening statements
- Refusing reasonable requests for documentation
- Denying a homeowner’s claim without giving a reason
Owners of a home policy have a right to sue an insurance company that acts in bad faith.
If you are worried that your insurer is acting in bad faith, you need to consult with us at Klotzman Property Damage Law. We have handled numerous claims in Miami and throughout Florida. We understand the tactics of insurance companies and will fight to ensure you receive every penny you’re owed.
What Defense Do I Have Against My Homeowners Insurance Company?
Are you worried that your insurance company may deny your claim because of insufficient evidence? Well, we are here to help. At Klotzman Property Damage Law, we understand the nuances that happen when filing a homeowner’s insurance claim. We are ready to help you collect all the evidence you need.
First, we will make sure that you have a proper understanding of the fine print of your homeowner’s insurance policy. Next, we will collect proof of damage to your property to make sure that the insurance company will not deny your claim based on insufficient evidence.
We will file your claim properly and fight for your rights if the insurance company tries to deny or undervalue your claim.
What Will a Miami Homeowners Insurance Lawyer Cost?
If you or your loved one’s property is damaged in Miami, FL, we are here to help. We understand that seeing your home and property damaged or even destroyed is traumatic. Therefore, we are prepared to do everything possible to make sure that there is no further distress to you and your loved ones.
If you are worried about hiring our law firm immediately after a catastrophe, you don’t need to do so. We are proud to represent you on a contingency basis. This means that you don’t pay us until you receive your compensation. It also means that we will give everything possible to make sure that your case is accepted and you are fully compensated.
How Can Klotzman Property Damage Law Help Me With My Homeowner’s Insurance Claim?
At Klotzman Property Damage Law, we have been in business for years and understand everything there is to know about homeowner’s insurance claims in Florida. We have a team of the best Miami homeowners insurance lawyers ready to start working on your case.
First, we will make sure that we have documented everything in your case to avoid missing out on crucial evidence. Additionally, we are ready to negotiate with your insurance company and avoid further distress for you and your loved ones.
Finally, if there is no settlement after negotiation, we are ready to represent you in court. We have extensive experience in bad faith homeowners insurance litigation.
Hire the Best Homeowners Insurance Claim Attorneys in Miami!
Taking on insurance companies with armies of attorneys and adjusters all working in the insurer’s best interest while dealing with property damage is overwhelming. Many insurance companies will do everything they can to avoid paying out your claim.
You don’t need to work directly with your insurer or handle the claims process alone. Let us work with you today and we can help you restore your home to its former glory.
At Klotzman Property Damage Law, we have a team of the best homeowners insurance lawyers ready to help you. Call our Miami law firm at 954-915-7405 today for a free consultation.