Select Page

When you have damage to your home from storms, fires, or other types of events, you may feel secure in knowing that you have homeowners insurance covering your property. So you document the home damage and losses and submit a claim to your insurer.

Nothing is more surprising than receiving a notice from your insurer that your claim has been denied or significantly reduced. What are you going to do? You have to repair your home, but the settlement they are offering is not enough to make a dent in the cost of the repairs.

Your next step will be to contact a home property damage lawyers so that you can fight the decision of the insurance company.

Having a home damage attorney manage your insurance claim will ensure that you get the best possible outcome for your claim. Your attorney will make sure that the insurance company abides by the terms of its policy and provides you with full and fair compensation for your losses.

Know Your Insurance Policy

Florida homeowners are encouraged to carefully review their homeowner’s insurance policy. It is important that you know exactly what is covered and the value of that coverage. Too often, homeowners discover that an event is not covered or their policy is way too low for their losses.

Some of the things you should review in your policy include:

  • Storm damage – including wind damage and hail
  • Fire damage – including fire caused by lightning
  • Water damage from broken pipes or excessive rain (Most policies require a separate flooding policy)
  • Smoke damage
  • Fallen trees
  • Mold damage
  • Theft and vandalism
  • Sinkholes (If you are in an area prone to this type of disaster)
  • Accidents

You should also review what is covered under your policy, such as:

  • Personal belongings
  • Valuables and collectibles
  • Electronic appliances, including computers and cell phones
  • Furniture and decor

You will need to look at the type of coverage that these items have. Some policies are replacement value policies, while other policies only cover the market value for any item.

Verify the amount of coverage you have on your personal items and ensure that it is enough to cover everything in the event of a total loss.

When You Should Call Home Property Lawyers For Help

You may be wondering when is the best time to look for home property damage lawyers near me? You can look for an attorney for home damage claims before you file the claim or at any time during the process if you feel that the insurance company is being unfair.

If you have already filed a claim for your losses and you experience:

  • Excessive delays in processing your claim
  • The insurer has made an offer that is significantly undervalued compared to your losses
  • The insurance company has denied your claim
  • Confusion with the claims process caused by actions taken by your insurer to frustrate you into abandoning your claim

Your attorney will make sure that your claim is processed correctly and that the insurance companies abide by the terms of their policy and the deadlines set for claims by Florida law. Insurance companies know that they cannot get away with many of their tricks when a claimant has legal representation.

The losses you have suffered to your home have been devastating to you and your family. Depending on the extent of the damages, you may not even be able to live there while the repairs are being made. The chaos that this has brought into your life should not be enhanced by unethical practices by an insurance company.

If you need to make a claim for property damage from storm damage or any other type of event, contact a property damage attorney at Landau Law today for help right from the start. Your attorney can help you put together a solid claim in a timely manner. This will help you get the repair process started quickly so that you can start putting your life back together again. 

Contact us now! 

Property Damage Blog Posts

How to File a Hurricane Insurance Claim in Florida

How to File a Hurricane Insurance Claim in Florida

Filing an insurance claim after a hurricane can be a daunting task, especially if you're a Florida resident. With the increasing frequency of hurricanes in Florida, homeowners need to know how to file a hurricane insurance claim effectively. In this blog post, we will...

read more
Can You Cancel An Insurance Claim?

Can You Cancel An Insurance Claim?

Canceling a Home Insurance Claim: Impact on Future Premiums As a Florida homeowner’s insurance policyholder, filing a property damage claim can be a stressful and time-consuming process. However, circumstances may arise where you need to cancel your claim. The...

read more
Will My Homeowners Insurance Go Up If I File a Roof Claim?

Will My Homeowners Insurance Go Up If I File a Roof Claim?

As homeowners, we all want to protect our property and assets from any unforeseen damages. This is why we invest in homeowners insurance policies that cover a wide range of damages, including roof damage. However, many of us are hesitant to file a roof claim because...

read more
Condo Property Insurance Claims in Florida

Condo Property Insurance Claims in Florida

Condo property insurance claims can be a complicated process, especially in Florida. With its location on the Atlantic and the Gulf of Mexico, Florida is prone to extreme weather events such as hurricanes, which can cause significant damage to condominiums. As a...

read more
Renters Insurance For Florida Hurricane Coverage

Renters Insurance For Florida Hurricane Coverage

Learn about the ways that renters insurance can help protect you after hurricane damage Renters insurance is a type of insurance policy that covers the personal property and liability of a renter. It can provide peace of mind in the event of a disaster, such as a...

read more
When Is Hurricane Season 2024 Florida?

When Is Hurricane Season 2024 Florida?

Learn about the 2024 Florida Hurricane Season, including when it takes place, how bad it may be, and how to prepare The Atlantic hurricane season is a yearly occurrence that affects the East Coast of the United States, particularly Florida. The 2024 hurricane season...

read more