Property damage to your home can pretty much occur in the blink of an eye. Ideally, we would like to believe that natural disasters, vandalism, and fire hazards would never negatively impact our home. However, the reality is these issues can in fact happen whenever we least expect them. Even though home insurance is not legally required by Florida law, we do know that this type of coverage is essential to safeguard your property investment.
Whether you’re the head of a family, apartment owner, or simply investing in a residential property, we are aware that it is essential to protect your assets. Your property needs to be covered from any of these unwanted damages. Being the responsible property owner that you are, we know that you’ve set out to pay your monthly dues to achieve this safe practice
However, what if your claim gets denied a couple of days after the accident? Imagine setting out to do what an insurance payer would do: simply file a claim and expect a fair answer. Then to your surprise, the insurance company denies your claim.
You might feel confused, angry, and lied to. To make matters worse, the damages to your property could be getting worse by the minute. You might be asking yourself, what can I do now?
Well, first of all, we are here to tell you that there is a solution and it’s called “legal representation. With a Florida real estate attorney on your side, you’ll enjoy the advantages of legal expertise that will make sure your rights as a property owner are respected throughout your appeal process. That’s right, the best way to battle out a denied claim in South Florida will be with the help of a residential estate property attorney.
Please continue to join us throughout our informational blog as we go more in-depth into some of the causes that lead to a denied claim and how a legal expert will effectively appeal the denial so that you can receive proper payment.
Underlying Causes For A Denied Homeowner Claim
For every specific kind of damage that your property faces during an accident, insurance companies will attempt to deny your claim. Be mindful of other damages that can occur, and how these companies will justify them to undermine your claim. Let’s go ahead and examine some common causes of denied claims.
Weather-related damage is known to be the main culprit for property damage claims in the State of Florida. Our Caribbean-like weather and proximity to the tropics make it easy to suffer from storms, wind damage, and even flood. Specific factors of these natural disasters are extreme wind, and rain, causing substantial damage to your walls, floors, and ceilings. These too may be denied by insurance companies.
Electrical and Fire Hazards are not only damaging to your property but they can even be life-threatening. For that reason, we always remind our readers that material things can be salvaged but lives cannot. Be that as it may, we must also inform you that the financial billing that derives from electrical or fire damage can become astronomical. That is why a claim denial in these scenarios can be disastrous for your home, family, and wallet.
Many insurance companies will thus try to undermine your claim or even attribute the blame to you, property age, or recklessness from a third party. The main theme here is that these companies will try to avoid their responsibility as coverage holders because of how high the settlement could amount to be.
Vandalism with ill-intent will undoubtedly affect your home with things like broken locks, damaged windows, vandalized lawns, and unwanted graffiti. These are obvious infractions that you had no control over at the time of the attacks. In other words, you did not cause these issues.
Sadly, there is a known tendency for insurance companies in denying these property damage claims with the excuse that the alleged losses aren’t covered by their pre-existing insurance policy. Instead, they’ll state your coverage has to be destined specifically for weather damage or other property loss that isn’t tied to man-made vandalism.
What Are The Benefits of Legal Expertise?
Homeowners insurance attorneys are experts at negotiating the final settlement offer from your insurance company. Sadly, many homeowners accept their insurers’ unfair settlements simply because they don’t know any better. However, with the help of a Florida real estate attorney, you will not be made a fool.
Forming the Appeal is paramount especially in the first few days right after the denial. By now means necessary should you want to wait to appeal their decision. Thankfully, our real estate attorneys will form a well-crafted appeal to tackle the specific points that they are undermining.
An expedient mechanism of appealing is an effective tactic that your real estate lawyer will implement if your claim is denied. Most insurance companies will try at all costs to delay your case, or even threaten to cancel the file at once. However, by accelerating the appeal, your South Florida real estate attorney will push to act on litigation. This will startle the insurance company, luring them to play fair and correctly judge your appeal.
Your Claim Is Valid. Seek The Help You Need!
We hope you’ve enjoyed our informational blog for today. The main theme in today’s session was to make it clear that your claim really is valid. Think about this: you pay your bills, act responsibly, and count on your home insurance company to protect you. However, now you know that you can’t be too careful.
So remember, when you are faced with a denied homeowner claim in South Florida, it is crucial to go ahead and appeal with the help of our real estate attorneys from HomeOwners Claim Denied Do not venture into this legal dispute without representation on your side. Remember, you must receive what you pay for! Call us right away at 954-869-4889!