As a homeowner in South Florida, you do all you can to prepare for a hurricane. Therefore, when disaster strikes, you want to know that your insurance company is prepared to compensate you for your damages. However, insurance companies do not always pay out on time. They may not compensate you for the full value of your losses – or worse, they may deny your claim.
If this has happened to you, there is still hope. The Law Offices of Anidjar & Levine is here to help you recover your losses and get a fair settlement from the insurance company. One of our Miramar hurricane property claim lawyers is ready to give you legal support and help you build your case.
How Our Law Firm Can Help You Reclaim Your Economic Losses
Our law firm provides a wide range of services to help you with your hurricane property claim process.
Our Attorneys Review Your Paperwork
Many homeowners use a lawyer as a last resort to getting their money from the insurance companies. However, you may want to use us as the first line of defense.
If you contact us immediately after the hurricane, we will prepare your claim by doing the following:
- Documenting the extent of your losses
- Reviewing the coverage in your policy and highlight areas you should be aware of
- Meeting with your insurance adjuster or your contractor during the inspection
- Helping you submit your claim the right way to avoid issues or possible delays in processing
Our Attorneys Handle All Correspondence with the Insurance Company
Once you hire us, we can handle just about all the correspondence with your insurance company. We can take your phone calls, send all emails, and submit all documents on your behalf, and negotiate the settlement with the adjuster.
Our Attorneys Establish Liability and Case Value
We can gather evidence and submit documents to establish that the insurance company is liable for paying out a fair settlement. Our legal team can also use all the evidence to calculate your losses and estimate the value of your case. We will work to get you the maximum amount possible for your losses.
Our Attorneys File a Lawsuit Against the Insurance Company
If the insurance company refuses to meet your terms of the settlement, then you may have the option of taking your case to court and appealing the insurance company’s decision to a judge. We will guide you through litigation and fully represent you during the case.
If you would like to find out more about the legal services we offer, we can provide you with a free case review.
Recoverable Losses in a Hurricane Property Claim
Your insurance policy should outline what losses are covered after a hurricane. A standard policy should cover almost any item on the property that is impacted by wind, such as:
A homeowners insurance policy will not cover anything that was impacted by a flood. However, it is covered if you have a separate policy specifically for floods or water-related losses.
It is a good idea to check your insurance policy at the beginning of Florida’s hurricane season (June 1st – November 30th) to see what is covered, if there are any changes you are unaware of, and if you need to add any coverage to your policy.
The insurance company should pay the entire amount of your losses up to the limits set in your policy once you pay your deductible.
The Law Offices of Anidjar & Levine Will Go the Extra Mile for You
We know that life in the aftermath of a hurricane can be full of challenges, especially if your home has been impacted by a storm. We will handle the legal details so that you don’t have to.
We will also take extra steps to ensure a smooth, supported process for you. We will:
- Give you your attorney’s phone number
- Offer you regular updates about your case to keep you in the loop
- Explain your options in easily-understood terms
- Work for you with no upfront costs involved
At our firm, you don’t have to worry about paying for our services unless you get a fair settlement. We only receive payment if we get results for you.
Beware of Tactics Insurers Use to Deny Your Property Claim in Florida
With the sudden surge of insurance claims that immediately follow a hurricane, insurance companies come up with a variety of reasons to diminish the value of homeowner losses or deny the claim. Companies may also give compelling reasons for their decision and state them in a way to make it seem that their decision is final.
Some tactics an insurance adjuster may use include:
- Diminishing the value of your losses
- Forcing a settlement as a first and last offer
- Finding loopholes in the policy to exclude certain types of coverage
- Requiring you to remove any supplemental claims as a condition of payment
- Convincing you not to hire a lawyer to settle your claim
However, you do not have to give in to these tactics. You also do not have to accept the insurance company’s first or last offer. You still have options.
Before you accept a settlement, one of our hurricane property claim lawyers serving Miramar, FL, can review your case to help you determine if you should ask for a better settlement.
What do You do if the Insurance Company Denies Your Claim?
If your insurance offers you an insufficient settlement or denies your claim, you may feel that there is nothing else you can do. However, the insurance company should not have the final say in determining the total value of everything that you lost after the hurricane.
If you believe that you should have received higher compensation for your losses, you can hire an attorney from the Law Offices of Anidjar & Levine to look into the case and help you re-submit your claim.
Steps You Can Take to Prepare Your Miramar Property Claim
There are several ways that you can prepare a strong foundation for your property claim.
- Take photos of storm impacts to your property. Be sure to document interior and exterior impacts as well as losses to ancillary units, such as garages.
- Keep records of your expenses. If you pay for hotel stays, temporary board-up materials, and more, hold onto those receipts.
- Be aware of your policy coverage. The sooner you familiarize yourself with your policy, the better. As information from Broward County notes, after a storm warning is issued, you will not be able to elect additional insurance coverage. If you receive any settlement offers from an insurer before speaking with a lawyer’s office, be aware that an insurer’s offer should reflect their responsibilities to you as written in your policy.
- Consider calling us for a free consultation. It can be hard to know how to prove what you are owed when you file a property claim, and issues may arise during the process. We can help you understand your next steps.
Call the Law Offices of Anidjar & Levine for a Free Case Review
You do not have to let the insurance company determine the value of your hurricane property claim. If you need leverage against an insurance provider that will not pay out, then contact our law office today.
We are happy to answer your questions and can help you seek fair compensation from the insurance company. Call us today for a free case review at 1-800-747-3733.