Frequently Asked Questions
Truth vs. Fiction
I Can Handle My Own Claim
Florida insurance law is complex and has a lot of specific requirements and timeframes that can serve to deprive an insured of an otherwise covered claim. It is important that you hire a law firm that focuses its practice on property insurance claims.
I Can’t Afford an Attorney
Typically, our fees depend upon the success of the claim. We only get paid if we successfully resolve your claim.
If We Hire an Attorney, the Insurance Company Will Only Fight Harder and Force Us to go to Trial
Most of our cases settle without having go to trial. We have a proven strategy that moves our cases forward and ultimately lead to settlement.
I Don’t Want my Insurance Company to Cancel My Insurance
Florida law prohibits an insurance company from cancelling a policy while a hurricane claim is pending. Once repairs are made, most insurance companies will continue to insure the property.
I Should Say as Little as Possible to the Insurance Company
Your policy requires you to cooperate with the insurance company’s adjustment of your claim, including showing the property and possibly providing a recorded statement or sworn testimony. Failure to do so might allow the carrier to deny the claim even though it is covered.
Prepare for the Next Hurricane
Make Sure You are Covered
Confirm that you have an active property insurance policy that provides coverage for hurricane. We are more than happy to review your policy with you at no charge.
Pictures Tell a Thousand Words
Take photos or video of your property before and after the hurricane. Most hurricane claims we handle involve some argument made by the insurance company that the damage was occurred before the hurricane. This simply step will help overcome whatever argument the insurance company will make.
Create a Journal
Take note of what damage you see. Many times clients forget the extent of damage, which makes it difficult should your insurance company force you to court.
Notify Your Insurance Company
You must provide your insurance company with “Prompt Notice” of any damage to your property. Failure to do so might serve as a reason the your insurance company denies your claim.