When your property suffers damage, either as a result of a natural disaster, a deliberate act or purely by accident, the next step is usually to figure out how much it will cost to repair your property or replace things that were lost. Sometimes, your insurance coverage will be enough to cover the cost of repairs. At other times, an insurance company will contest your claim, and refuse to pay out what you want or what you need to fix your home and business and move on with your life. At times like these, hiring a property insurance claim attorney in North Miami FL is one of the first steps you should take after suffering property damage.
Know What’s Covered, and What Might Not Be
You might think that insurance policies in Florida cover anything and everything that might occur by accident or on purpose. However, the truth is a bit more inconvenient. Floods, which might be considered “acts of God,” are difficult to blame on anything but Mother Nature. Sinkholes too can happen anywhere in an area where the soil is what it tends to be like in Florida. Determining liability and compensation resulting from deliberate property insurance claim is one thing, but mud slides are a completely different thing. When a disaster strikes, such as a hurricane, it rarely just affects one or two people. Millions can be affected.
Some Things Take Time
As a result of these events, insurance companies will have to deal with many different claims and all of them might be quite valid. It will understandably take some time for your claim to have a hearing and get compensation. On the other hand, when property damage is deemed more intentional than accidental, or when a natural event affects you in particular, an insurance company might be tempted to try to delay paying out compensation to you. The insurance company also might say that the amount of money you seek is all out of proportion to the amount of damage suffered. In that case, they ignore the emotional effects of damage.
Let Them Know You’re Serious
When you hire a property insurance claim attorney, an insurance company knows you are serious about seeking compensation. Knowing you have retained legal representation might be enough to force them to the table. When the damage was caused intentionally, the attorneys representing you will collect the proof you need to press your claim and get compensation from those who damages your property. The responsible party will be forced to admit fault and pay out compensation when a court agrees with you, or they could end up paying you a settlement in order to avoid a lengthy and costly trial process for all parties.
Property damage brings with it a host of complications and drama. Hiring a property insurance claim attorney who knows the ropes and can help you get what’s coming to you and should be the first step you take before fixing your property and moving on with your life. Florida Advocates – A Private Law Firm, is here for you when your claim has been denied or underpaid by your insurance company.
