Are you having a hard time with denied or underpaid homeowners’ insurance claims in Florida? You are not alone. We have firsthand experience with how difficult claims can be when insurance companies are concerned. When your home is damaged, particularly following hurricanes or another catastrophe, the last thing you need is a good fight with your insurance company. That is where we come in.
Jenkins Law’s Homeowners Insurance Attorney Will Fight for You
We are a top Florida homeowners insurance attorney who has helped countless homeowners recover the compensation to which they are entitled as a result of unfair treatment by their insurance providers. Whether it is water damage, roof collapse, or damage from storms, we are here to fight for you with a legal team ready to advocate for you.
- Gave a narrower definition of policy language to beat down payout.
- Against all sense of liability, it unfairly rejected even the most obvious of claims.
- Hung around in payment and created much havoc in the financial lives of homeowners.
- Fell woefully short on settlements, posing such paltry sums.
If you are suffering from any of the above cases, then we are the solution for you. Do not accept denial or underpayment of claims without speaking to a qualified attorney.
When to Hire a Homeowners Insurance Attorney in Florida?
A homeowner faces some of the most unique risks regarding hurricanes, heavy rainfall, windstorms, flooding, and other weather-related phenomena concerning exposure to storms. Naturally, once a storm strikes, all claims inundate insurance companies. Unfortunately, this usually means corners are cut somewhere.
We know all the fine print in insurance policies, as well as the games insurance companies play in order to avoid paying. When we take on a case, we conduct an exhaustive appraisal:
- Careful examination of your policy to determine the coverage you’re owed.
- Analysis of inspection reports, adjuster notes, photos, and repair estimates.
- Review of your insurer’s decision-making process to identify any unfair practices.
We are set to stand for homeowners, ensuring that the insurance companies pay for their actions.
Common Types of Damages Which May Be Covered
Generally, homeowners’ insurance covers a broad range of damages arising from an unexpected event. These include:
- Damage by wind and hail.
- Fire damage and smoke damage.
- Damage caused by theft or vandalism.
- Lightning strikes.
- Water damage caused by plumbing failures or storms.
However, every policy is different. Usually, flood destruction is excluded from normal homeowners’ coverage and requires a special flood insurance policy, which can typically be acquired under the National Flood Insurance Program (NFIP) or even under a private plan.
Some insurers will strive to have storm-related damage reclassified into excluded categories, such as “wear and tear,” so a legal practitioner must assist you in pursuing your claim.
Why Was My Home Insurance Claim Denied?
Claim denials are usually a source of frustration to many, especially when the damage is quite clear. Various reasons have been quoted for denying a claim, including
- Policy exclusions: “It’s not covered by our policy,” they say.
- Misrepresentation: A homeowner may be labeled as having said something untruthful.
- Late Reporting: The claim is not made within the time window allowed.
- Alleged Maintenance Issues (Neglect/Routine Wear and Tear): Insurers may allege that damage was not due to a covered peril but instead to negligence or normal wear and tear.
Probably the most common issue we see is roof damage. While heads of households usually file claims arising from wind or hail storms, insurance companies sometimes claim that damage is “normal aging” and not as a result of storms, no matter how sound the roof was before the storm.
These are the types of situations that would nearly always require expert opinions, weather reports, and engineering analysis to validate. This is where our legal team’s experience comes into play.
- We file your claim or appeal it into the legal realm.
- Negotiate your fair settlement on your behalf.
- Take all necessary legal proceedings, if need be, to pursue your rights in court.
- We are with you every step of the way.
We do our utmost to take this burden off your shoulders so that you can focus on what counts: rebuilding and getting back to normal life.
What is Jenkins Law PL Known For?
Our law firm, among the largest in the country and among the most experienced, has an Insurance Recovery Group dedicated to representing policyholders in their pursuit to recover losses. Our offices across Florida give us insight into the unique insurance challenges that the state faces, especially in the aftermath of disasters.
- No upfront fees: It is on a “contingency basis”; you pay nothing unless we win your case.
- Track record: Billions recovered for clients throughout the nation.
- Local Know-how: Just like that, we know how Florida insurance companies operate and how to get results.
When to Contact a Homeowners Insurance Attorney?
Call an attorney as soon as you even suspect your claim might be denied, underpaid, or delayed. The sooner you get legal help, the more likely we are to solve your problem quickly. Even if you’ve received a denial already, we can still potentially file an appeal or lawsuit for you.
A few examples of common situations that should motivate clients to reach out to us:
- You received a meager settlement offer that does not meet the repair needs.
- Your claim was denied without much, if any, rationale.
- Your insurer has not responded to you or delayed the process.
- You feel overwhelmed by the paperwork or policy jargon.
Bottom Line!
You don’t need to face the insurance company alone. We’re here to help homeowners in Florida fight against the unfairly denied claims and minimal offers given by insurance companies at Jenkins Law PL. If you’ve been affected unfairly by an insurance company, our attorneys are standing by to review your case at no charge.
Get your free case review today to find out how we can help you recover the compensation you deserve.
