The insurance claim lawyers at Loan Lawyers, LLC are licensed to practice law in the state of Florida. If you have a legal matter that you would like to discuss and you are NOT located in Florida, please contact your state’s Bar Association to get the information of a lawyer who can assist you in your home state. Thank you.
As an insurance policyholder, you pay your monthly premiums in exchange for the peace of mind that comes with protection from uncertainty. When the worst happens, you have a reasonable expectation of receiving the coverage outlined in your policy. But every year, many homeowners file insurance claim cases only to receive vague excuses and frustrating denials from the insurance company.
If you are fighting with your insurance company over the coverage you have bought and paid for, Loan Lawyers can help. Our homeowners’ insurance claim lawyers have more than a century of combined legal experience and have helped thousands of ordinary Floridians stand up to big corporations. We believe everyone should have access to high-quality legal representation, which is why we typically take Florida Insurance claim cases on contingency and only collect fees when we secure favorable results for our clients.
Contact our homeowners’ insurance attorneys for a free initial case review to learn more about your options with these common bad-faith claims.
Florida Bad Faith Insurance Claims
Like most states, Florida foreclosure laws require insurance companies to handle policyholder claims in “good faith.” They must investigate and decide claims fairly and reasonably. These Florida laws exist to protect consumers and reduce the societal damage caused by bad-faith foreclosure practices, such as:
- Discriminating against certain types of property damage claims
- Using biased or illegitimate evidence to deny claims
- Underpaying or denying legitimate claims
- Failing or refusing to pay valid claims promptly
- Refusing to communicate honestly or promptly with claimants
When an insurance company engages in this underhanded behavior, those with unfairly rejected or undervalued Florida insurance claim cases can file a bad-faith lawsuit with the help of a Florida insurance claim lawyer.
Hurricane Damage Claims
The property insurance market establishes by Florida law that all policies must include coverage for hurricane wind damage. So if your Florida home sustained wind damage in a hurricane, your homeowners or renters insurance policy should cover it.
However, filing a Florida homeowners’ insurance claim case could be trickier if your home was affected by water intrusion, flooding, or certain other types of hurricane-related damage. If the insurance provider refuses to act in good faith, you could receive frustrating denials even with a valid property damage claim. Our Florida homeowners’ insurance claim lawyers are here to help homeowners prepare strong cases and demand the compensation they need to restore and protect their homes after a hurricane.
Pipe Leak Claims
Most property insurance policies cover pipe leaks when they happen suddenly due to unexpected incidents. But if you have a pipe leak claim, be prepared for the insurance company to do everything possible to suggest you are at fault for the leak. Insurance companies often insist that leaking or burst pipes occur because policyholders failed to maintain their plumbing. You should be entitled to the benefits you pay for promptly. Our legal team can help you show your insurance company that you took care of your home’s plumbing and are not to blame for the damage.
Mold Claims
Many people are under the mistaken assumption that insurance contracts do not cover mold-related damage. Unsurprisingly, insurance companies have no problem with this widespread myth. While your homeowners’ insurance policy probably won’t cover mold damage caused by high humidity or preventable water intrusion, it might cover some other types of mold damage.
Specifically, your policy could pay for mold remediation in your home if an outbreak happened due to a covered event, such as a hurricane. But remember that flood insurance is purchased separately from general-purpose homeowners insurance. You should review your insurance company policies with an attorney if your home develops mold damage after a flood.
Fire Claims
Property damage that occurs due to accidental fires is covered under most homeowners’ insurance policies. This could include money for repairing fire damage, eliminating smoke odors, and paying for accommodations if your home is temporarily uninhabitable.
Some property insurance companies might try to deny legitimate insurance claims anyway, pointing to vague language in the policy or insisting that the policyholder didn’t take adequate steps to prevent additional damage after the fire. If your provider uses these kinds of tactics to deny your homeowner insurance lawsuit after a Florida property fire, Loan Lawyers can help you fight back.
Theft Claims
Most homeowners insurance policies also cover losses due to theft, though the nature and extent of your coverage will vary per your policy. Few policies provide coverage for high-value items, like expensive jewelry, fine art, antiques, and other luxury goods. If you lost such items to theft, you likely couldn’t rely on your property insurance for coverage unless you had a supplemental policy for valuable items.
Even if your policy covers the full value of your theft-related losses, you will need extensive documentation to prove that you previously owned the stolen items and establish their worth. An experienced insurance claim attorney can help you identify useful evidence to support your claim.
How Can Our Florida Insurance Claim Attorneys Help Homeowners?
The trusted legal team at Loan Lawyers has considerable experience at the negotiating table with your insurance company and in the courtroom. We do not back down from a fight on behalf of our clients. If you are struggling to get the insurance coverage you are owed, you can count on us to conduct a thorough investigation, identify valuable evidence for your claim, and negotiate aggressively to maximize the value of your insurance dispute. If we determine that your insurance provider is acting in bad faith, we won’t hesitate to take them to trial.
Contact Our Florida Insurance Claim Lawyers Today
Loan Lawyers has recovered millions of dollars in fair compensation for everyday Floridians, including clients struggling against tightfisted insurance companies. Contact us today to learn more during a free initial consultation session with our Florida homeowners’ insurance claim attorneys.
