Florida Property Damage Insurance Claim Attorneys
More likely than not, your home is the most valuable asset you own, but it’s also so much more than that. It’s the place where you make memories, raise a family, and keep everything that is most important to you, some of it irreplaceable. When your home is damaged by a roof leak, plumbing leak, fire, mold, or a hurricane, you want it repaired and restored to its former state quickly and to the fullest extent possible, and you want to be fairly compensated for the items which have been damaged or destroyed, whether or not they can be replaced. That’s what your insurance is supposed to do.
Your friendly insurance agent is more than happy to sell you all the insurance you could ever want or need, and the cheery folks in the billing department are always there with a reminder when your premium is due. If you ever have to make a claim, though, you find yourself dealing with an entirely different set of people in the claims department, adjustors who come out and tell you the damage isn’t all that bad, or claims representatives who deliver the unhappy news that unfortunately, your policy doesn’t cover the type of claim you are submitting.
This kind of news is disastrous, tragic, and it might not be true. Insurance companies want to avoid paying claims when they can and pay as little as they have to when they can’t. Sometimes they just interpret their policies strictly and evaluate damage very conservatively. Other times, they out and out lie or misrepresent the facts to trick you into giving up on your claim or accepting a lowball settlement. Either way, you need someone in your corner who can help you deal with the insurance company and help you understand your claim. That’s what we do at Abraham Law Group.
Our Miami insurance claims attorneys have over 30 years of combined experience working for and against insurance companies. We can take a look at your policy, no matter how complex it is, and let you know what is and isn’t covered. We’ll make sure damage estimates and settlement offers are fair, and we’ll deal with the insurance company on your behalf, so you can concentrate on getting your home and life back in order. We work to find efficient solutions to complex problems, and if it’s necessary to go to court to get the benefits you are entitled to, we do that too. Abraham Law Group works for you, maximizing your results, minimizing your stress.
Comprehensive Miami Homeowners’ Insurance Lawyers
Your property can get damaged in innumerable ways in Miami – fire, flood, hurricane, natural disasters, sinkholes, theft, vandalism… the list goes on. Flooding in the home is one of the most common and most serious problems in Miami, whether due to storm damage, a leaky roof, a plumbing leak or a burst pipe. A flooded house can ruin everything you own and cause structural damage as well. If not thoroughly remediated, mold and mildew can set in, making your home unsanitary, unlivable, and unsellable.
Just as there are many ways your property can be damaged, there are just as many ways insurance companies have to delay, deny or underpay your claim. Letters and determinations from insurance companies sound official and final, but they don’t always get the final say. With Abraham Law Group on your side, we’ll thoroughly investigate your claim and policy and determine whether you are being treated fairly and whether the insurance company is right or not. If they are wrong, we know the steps to take to make sure your claim gets paid promptly and fully.
Our seasoned property damage insurance claims lawyers have dealt with just about every insurance company trick and tactic there is, including all the following:
Notice and proof of loss – Somewhere in your policy it says what you need to do to submit a valid claim, including providing a timely notice, giving the insurer enough facts about the incident, and taking steps to mitigate your damage. The carrier might try to stop your claim before it ever starts by saying you didn’t comply with the required procedure.
Exclusions – Your homeowners’ insurance policy could have lots of exclusions hidden in it that you never knew about. Do you know the difference between an exclusion and a limitation of coverage? This is a complex issue, but it can make all the difference when it comes to whether your claim gets paid or not.
Pre-Existing Damage – Expect the insurance company to look through your claims history and the damage itself to justify a claim that your water damage comes from an old storm or leak, rather than the incident that your current claim is based on.
Wear and Tear – When property damage comes from a leaky roof or burst pipe, was this the result of a sudden incident or the outcome of years of owner neglect? You can bet which side the insurance company will come down on. It might take expert help to prove what really happened.
Bad Faith – It’s one thing to have good-faith disagreements about what the policy says, whether a claim is covered, how the accident happened, etc. It’s quite another when the insurance company is being or unreasonable or actively taking false steps to avoid paying the claim. Insurance bad faith can take the form of unreasonable delays and interminable requests for documentation, lowball offers, undervaluing your claim, false statements or misrepresentations concerning your policy or property damage, encouraging you not to get a lawyer, denying your claim or disclaiming coverage, or canceling/rescinding your policy just to avoid paying the claim. We know how to spot insurance bad faith, and we work to recover not just the benefits due under the policy but also compensation for the harm their misconduct has caused, including punitive damages in appropriate circumstances.
Call Abraham Law Group for Help With Your Miami Insurance Property Damage Claim
For help with a property damage insurance claim in Miami, call Abraham Law Group at 786-224-4555 for a free case evaluation. We are here for you in your time of need.
