Insurance Claim Lawyers

Hurricane Irma Insurance Claims

An Insurance Attorney Guide: HOW TO MAKE AN INSURANCE CLAIM

Insurance Claim Lawyers in MiamiInsurance is a huge part of our lives today. It protects us when we suffer damage or loss to our homes, businesses, automobiles, and even our health. When a loss occurs and we have to turn to our insurance company to pay, how we make a claim will determine whether or not we get paid and how much. In order to make a successful claim you should follow some important guidelines that apply whether it’s a home insurance policy or any type of insurance.

The good news is that Florida law gives people with insurance very clear rights. One is the right to make an insurance company pay your costs and attorneys fees if it wrongly denies your claim. This means insurance lawyers can take your case without making you pay anything. They can make the insurance company pay all your legal expenses when the case is over.

The following guidelines will help you through the insurance claim process:

1. Keep Records and Photographs
You need to be able to prove what was damaged or lost. This means keeping receipts of your valuable personal property. Photographs of your home are proof of its condition before any damage occurs. These are the things an insurance company will ask you to provide to prove what you have lost and the value thereof.

2. Protect Your Property From Further Loss or Damage
When an unexpected loss occurs it is important to make sure that no additional damage is allowed to happen to your property. One easy example is when a pipe bursts in a home and leaking water threatens to ruin not just walls but personal property. Under your home insurance, you have a duty to make emergency repairs to prevent the water from causing further damage; call a plumber to stop the leak. If you don’t, the insurance company can refuse to pay for any damage that could have been prevented.

3. Make Your Claim Promptly and Clearly
You should notify your insurance company as soon as you can after a loss occurs. Call your agent and the insurer directly to ask for instructions or any requests that they may have and to give them the opportunity to take immediate action if necessary. Then follow up in writing, advising them of the claim and confirming your conversation.

4. Don’t Give the Insurance Company Any Excuse to Deny the Claim
It is important to cooperate fully with the insurer and provide them with whatever records you may have. Give the insurer the opportunity to inspect any damage. Provide the information requested on the forms provided on a timely basis.

5. Get Help From Experienced Insurance Attorneys
If your insurance company denies or delays payment on a claim, you should consult with an experienced insurance attorney. The attorney can evaluate your claim and the consultation is generally for free. If the insurance company is acting wrongly, you are well protected under Florida Law. The lawyers can take your case on a contingency basis, which means that they get paid only if they win your case. Also, they can make the insurance company pay your legal expenses.

Call the Law Offices of Jose M. Francisco if you have any questions regarding an insurance claim and we will evaluate your case free of charge.


Homeowner Insurance Claims

Homeowners Insurance Claim Lawyers in MiamiIf your home has been damaged through a roof leak, broken plumbing pipe or fire, you may have a claim with your homeowner insurance company.  Since you have been paying your insurance premium, you may expect that the insurance company will provide coverage for your loss.  However, the insurance policy has many provisions regarding exclusions that may result in the insurance company denying coverage for the loss or underpaying your loss.  Additionally, the policy states duties you may need to comply in order for the insurance company to provide coverage for the loss such as prompt notice of the loss to the insurance company and mitigating the damages. 

We can assist you in understanding the language in your policy and the relevant Florida laws.  Also, we can assist you in the insurance claim process as to recorded statements, examinations under oath, inspections and if necessary filing a lawsuit against the insurance company.

Types of Insurance Claims:

  • Plumbing Leaks
  • Plumbing/Drain Line Backup
  • Air Conditioner (AC) Leaks
  • Water Damage
  • Roof Leaks
  • Wind/Hurricane Damage
  • Mold Damage
  • Fire Damage
  • Theft/Vandalism
  • Damaged Floor Tiles

We have experience in negotiating and litigating property damage claims.  Therefore, we can assist you whether you are a homeowner, condominium association or a business property owner to have your damages paid for your covered loss.