Facing a denied Homeowner’s Choice property claim? You may be unsure of your rights and overwhelmed by the appeals process. You are not out of legal options.
At the Law Offices of Anidjar & Levine, we understand how challenging the claims and appeals process can be. You may be displaced from your home, unable to work, and unsure how your family will rebuild. We can help.
Call us today to explore your legal rights. Our team can review your coverage, explain your options, and fight for your right to recover compensation from your insurance company. Call 1-800-747-3733 for more information.
Damages You May Be Eligible to Recover in Your Homeowner’s Choice Claim
Without reviewing your Homeowner’s Choice policy, we are unable to estimate the actual damages you may recover. Insurance plans may vary, and you may have selected additional coverage options, such as flood coverage or riders for expensive items.
However, in most cases, you can expect to recover the following types of damages:
- Repair costs, including replacing broken windows, installing new doors, and repairing a damaged roof.
- Getting your home back to pre-damage condition, such as painting walls after they were repaired or replacing siding torn off by the wind.
- Securing your home to prevent additional damage, such as installing a tarp over a leaking roof until the repairs are completed.
- Property clean up, including removal of trees and other debris.
- Landscaping repair, such as planting new trees or replacing sod.
- Repair to smaller structures on our property, like a shed or carport.
- Replacement costs for personal property, for example, furniture and clothing.
- Temporary relocation costs, such as a hotel stay while repairs are completed.
- Out-of-pocket expenses, as outlined in your insurance plan.
Contact the Law Offices of Anidjar & Levine today to discuss your denied Homeowner’s Choice property claim. Our team can review your plan and help you with the next steps.
What to Do When Facing a Homeowner’s Choice Claim Denial
Facing a denied claim can be devastating, both financially and emotionally. Your family may be displaced, and you may be unsure how you will afford to make the needed repairs. You hold out hope that your insurance will pay, but you may not be sure what your next steps are. Here is what to do when your property damage claim gets denied:
Review Your Homeowner’s Choice Plan
If you believe your Homeowner’s Choice claim was denied in error, your first step is to review your plan details. In some cases, the denial may be a result of a misunderstanding on the part of the insurance company. If you know what your plan covers, you can argue for your right to compensation.
Gather Additional Evidence
In some cases, a denial is due to insufficient proof of damages or inadequate evidence of the cause of the damage. If possible, take additional photos to prove your claim. Receipts and photos of your property before the damage may also strengthen your claim.
File an Appeal
Once you have gathered the additional information, file an appeal with Homeowner’s Choice. Be sure to file within the appeals deadline, and include as much information as possible outlining how the damage occurred. Include times, dates, and a written description of the damage.
Consider Legal Representation
While you can file an appeal with Homeowner’s Choice on your own, there are many benefits to hiring a Florida property claim lawyer. Our team has experience working with many different insurance companies, so we understand how they work.
Our lawyers understand the details of Florida’s laws surrounding property claims and can put that knowledge to work protecting your rights. You do not have to face the insurance company alone; we can help.
Contact the Law Offices of Anidjar & Levine for a free review of your denied Homeowner’s Choice property claim. Call us at 1-800-747-3733.
The Statute of Limitations for Property Damage Claims in Florida
The state of Florida passed a statute of limitations law for all property damage claims. The amount of time you have to file a case varies based on the details of your situation.
If a hurricane caused damage to your home, the statute of limitations is three years. These limits often apply even in situations where the damage is not evident until months or years later.
To better understand how the Florida statute of limitations may impact your claim, contact a property claim lawyer. They can review your situation and recommend the best course of action.
Call Us If You Are Facing a Denied Homeowner’s Choice Property Claim
You worked hard to build a life, and now, due to circumstances outside of your control, you may lose it all. Our team can help protect your rights and work to safeguard your financial future.
At the Law Offices of Anidjar & Levine, we understand the impact property damage can have on your entire life. It is more than just a home or a building, it is a place where you made memories. You purchased insurance to protect your home, and now it is time to hold the insurance company accountable.
Our team will provide regular on the status of your appeal and is more than happy to answer any questions you might have. Call us today to discuss your situation at 1-800-747-3733.