Removing the Stress from your Property Damage Claim
Handling a property damage insurance claim can be stressful. Let us take on that stress for you. If you have already filed a claim, and it has been underpaid or the claim has been denied altogether, an experienced property damage insurance lawyer should be advocating for you so your claim is properly handled. We consult with engineers, roofers, plumbers and contractors to ensure all aspects of your claim are properly evaluated in order to maximize recovery of available insurance proceeds.
How does your property insurance work?
If you have been underpaid for a covered loss, or if your claim has been denied for exclusions in your policy such as wear and tear, inadequate maintenance or failure to comply with your policy’s conditions, your claim may still be covered. Speak with an attorney about your claim.
Common types and causes of property damage losses include:
- Storm damage
- Burst pipes
- Plumbing system failure
- Roof leaks
- Appliance leaks
- Water damage
- Hurricane damage
- Tornado damage
- Wind damage
- Cast iron pipe leaks
- Fallen trees
- Fire damage
How long does your insurance company have to make a decision on your claim?
Upon an insurer’s receipt of a communication with respect to a claim, the insurer must, within 14 calendar days, review and acknowledge receipt of that communication unless payment is made within that period of time or unless the failure to acknowledge is caused by factors beyond the control of the insurer which reasonably prevent such acknowledgment.
Your property insurer has 90 days to pay or deny a claim pursuant to Florida Statute 627.70131(5)(a). Specifically, within 90 days after an insurer receives notice of an initial, reopened, or supplemental property insurance claim from a policyholder, the insurer shall pay or deny such claim or a portion of the claim unless the failure to pay is caused by factors beyond the control of the insurer which reasonably prevent such payment.