Florida Property Damage Lawyers
Month after month, year after year, you have paid insurance premiums to protect your property in the event of an emergency. Yet, when the time actually comes for you to collect on that policy, your insurance company uses every trick in the book to keep from paying you. It’s outrageous.
For more than four decades, the compassionate Florida property damage lawyers at Chiumento Law, PLLC have been helping residents secure the full and fair compensation they need to fix their homes and get their lives back on track after hurricanes and other nasty storms. We work with homeowners, renters, and business owners throughout Flagler and Volusia counties to:
- Thoroughly review your insurance policies to identify who is responsible for damages
- Extensively document the losses you suffered from the hurricane or storm
- Aggressively fight for maximum insurance policy payouts
- Stand up for your rights if a claim is unfairly denied
- Confront the insurance company when lowball offers are made
It’s no secret that insurance companies make the process of filing a claim as difficult as possible. They delay, deny, and drag out the process in the hopes that you will give up and let them keep the money that is rightfully yours.
Don’t give up. Let our knowledgeable Florida property insurance dispute attorneys review your claim for free. You’d be surprised how an insurance company changes its tune when confronted with an experienced lawyer rather than an overwhelmed property owner.
Call or fill out our online form now to get help with your claim.
Types of Claims Our Florida Property Damage Attorneys Handle
After a hurricane or severe storm, you may be forced to juggle claims through multiple insurers, depending on what types of damages you suffered. For example, if a tree fell on your home and your car during a storm, you will need to file claims with your homeowners’ insurance and your car insurance.
Our Florida property insurance claims lawyers have extensive experience helping clients demand full and fair compensation through all types of policies, including:
- Homeowners’ insurance claims for damage to your home and personal property
- Commercial property insurance claims for damage to your business and equipment
- Renter’s insurance claims for damage to your belongings in a rental unit
- Auto insurance claims for damage to your vehicle
Insurance claims can get complicated quickly, even if you’re only dealing with one policy. There’s a lot of fine print and technicalities that insurance companies will try to use to get themselves off the hook for paying your claim.
Having an experienced Florida insurance claim attorney on your side can make a huge difference in your case. Contact us today to schedule a free, no obligation claim evaluation.
What Excuses Do Insurance Companies Use to Deny Property Damage Claims?
Insurance companies want you to give up on your claim. So they deny, delay, or offer you less than you really deserve. Especially after a massive hurricane, it’s convenient for an insurance company to say they are backed up with claims, leaving you worried about how you will pay for repairs and replace items damaged in the storm.
Sometimes, insurance companies will deny valid hurricane damage claims by saying:
- The damage to your property exceeds the scope of your coverage.
- There are exclusions in the policy, and your claim isn’t covered.
- The causes (usually called perils) are not covered under your policy.
- There’s inadequate proof of your damages.
- Your property was poorly maintained.
- You somehow did not comply with the requirements of the policy.
- You didn’t disclose necessary information when you initially got the policy.
- Your claim is “fraudulent.”
If your claim has been denied, your insurer must give you a specific reason for the denial. Our experienced Florida insurance claims attorneys can review the denial notice and help you decide the next steps to take. We may need to gather more documentation and evidence to support your claim upon appeal.
Contact us today to learn how we can help you file an appeal over a claim denial.
What Does Homeowners’ Insurance Cover After a Hurricane?
In general, Florida homeowners’ insurance policies cover a few basic areas, including to costs to:
- Repair or rebuild your home or dwelling
- Fix additional structures on your property such as garages and sheds
- Reimburse you for personal property such as furniture, clothes, and electronics that may have been damaged
- Support you temporarily if you have to move out of your home while it is being repaired
- Pay your defense costs if someone is injured on your property
Flood insurance is not typically included in a homeowners’ insurance policy. However, in Florida, many homeowners are required to purchase this extra coverage as a condition of their mortgage.
It’s important to thoroughly review your insurance policy to understand exactly what is covered and what type of compensation you are entitled to receive.
How Can You Prove Property Damages After a Hurricane?
When a hurricane is bearing down on your area, it can be difficult to think about anything other than personal safety. You may be scrambling to fill up your gas tank, stock up on gallons of water, and stockpile canned food and batteries.
However, it can also be helpful to make a list of your personal property in case you suffer damages in the storm.
The Florida Office of Insurance Regulation offers a home inventory checklist that suggests:
- Going room by room to identify items, including furniture, electronics, appliances, artwork, decorations, clothing, valuables, etc.
- Recording the estimated value of each item, brand names, and serial numbers (if applicable)
- Taking photos of items
- Putting proof of purchase documents in a safe place
- Storing a copy of your insurance policy in a secure place
If you have suffered damage in a storm and need help securing full and fair compensation for your losses, contact our skilled Florida property insurance claims attorneys today. We will review your case for free and explain what to expect when filing a hurricane insurance claim.
Let Our Florida Property Insurance Claims Lawyers Help You Today
At Chiumento Law, PLLC, our Florida insurance claims law firm has deep roots in Flagler and Volusia counties, and we have weathered many storms over the years. We know how chaotic life can seem in the aftermath of a devastating hurricane, and we are here to help you get back on your feet as quickly as possible.
Schedule a free case consultation with our knowledgeable attorneys today by calling or filling out our online form.