Florida has some of the highest homeowners and property insurance premium rates in the nation, so when you work hard and pay your premiums on time each month, you should have the peace of mind that your property is covered. However, homeowners all too often have difficulties dealing with their insurance providers when it comes to filing a claim, resulting in an unfair or no settlement at all.
The Landau Law Group understands how upsetting it is when your home or property is damaged, coupled with the stress from the claims process and the financial uncertainty it comes with. They are ready to ease at least some of the burden and can serve as an ally so that you can begin to have your property repaired and restored. Call today at (866) 703-4878 and discuss your case with a member of our team.
Types of Property Damage Claims
Unpredictable weather conditions can leave your property with extensive damage from heavy rains, strong winds, and floodwater. Natural disasters, such as hurricanes, are not the only cause of property damage in Florida, and claims can also occur from other events such as:
- Roof, window, or exterior damage
- Foundation or structural damage
- Burst pipes
- And more
It is important to ensure that you have the correct level of coverage when it comes to choosing your insurance policy and checking what eventualities the policy protects against. Many property insurance policies have lengthy and complicated writing, so many people don’t have a full understanding of the terms presented in their policy declarations and exclusion sections.
A Naples property claims lawyer will be able to examine your policy in detail and explain how to process your claim. For free review of your case, speak with a member of the team at The Landau Law Group at (866) 703-4878 today.
Protecting Your Claim if Your Property Is Damaged
To file a claim, there are steps you may be required to take, outlined in your policy, in order to protect your claim. Some common requirements might include mitigating any subsequent damage to your property, such as:
- Drying out water-damaged areas of your home and removing carpets and other soft furnishings that could result in mold
- Covering damage to the roof or windows to prevent any further exposure to rain
- Switching off water valves to avoid burst pipes
- Boarding up damaged windows and doors to secure your property
- And other possible steps based on your circumstances
Many other considerations come into play when it comes to filing a claim. Each case is unique and varies depending on the type of damage to your property and the details defined in your insurance policy.
The Landau Law Group is committed to helping you navigate the claims process and pursuing the compensation you deserve. For a free case evaluation, call (866) 703-4878.
Common Reasons Property Insurance Providers Deny Claims
You purchased your insurance policy to protect yourself from losses as a result of your property becoming partially damaged or completely lost, so when your insurance provider denies your claim, it is tremendously frustrating. Your insurance provider may use a number of reasons to deny your claim, including:
It is crucial to ensure you are up to date on all of your insurance payments.
This denial occurs when a claim for property damage is in the policy’s exclusion section. Some common examples of exclusions may include damage from:
- Water and flooding
Failure To File on Time
It is critical to inform your homeowners insurance company as soon as possible following damage to your property as many policies contain strict requirements for how long you have to notify them of any damage.
Failure To Provide Adequate Proof of Damage
Your insurance policy may contain specific requirements about providing a complete inventory of losses and will also have a date by which you must submit this information.
Your insurance company could assert that you did not notify them of certain information when you applied for or renewed your policy.
If your insurance provider has denied, underpaid, or delayed your claim, a Naples property claims lawyer may be able to help. Call The Landau Law Group at (866) 703-4878 for a no-obligation review of your claim.
How a Naples Property Claims Lawyer Can Help
With over 20 years of combined expertise, The Landau Law Group may be able to help you obtain a settlement from your insurance company on your property claim. We can assist you with the initial claim process, as well as if you have had a less than favorable response from your insurance provider. Examples of how we can help are:
- Gathering accurate photographic evidence and inventory of loss
- Documenting the extent of the damage to your property
- Advising how to mitigate further property damage
- Calculating repair, replacement, and hidden costs
- Managing claim negotiations with your insurance company
- Advising when a lawsuit may be necessary
- Investigating instances of insurance bad faith
This list is not exhaustive, and with limited time in which to act, it can be beneficial to know your options in order to make a property damage claim.
Free Consultation With The Landau Law Group
If you have any questions about filing a claim for property damage or believe you have been treated unfairly by your insurance company, The Landau Law Group is ready to help. We are committed to helping you to understand your rights and fighting for the results you want. Call us today at (866) 703-4878 for a free initial consultation.