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Property Loss Claim Through Homeowners Insurance

When your property is damaged or destroyed by a flood, wind, fire or other unforeseen event, you would expect your insurance company to cover your losses. But after you file a claim, you discover that your insurance carrier is doing everything they can to avoid covering your loss.

These issues can cause devastating financial effects, which leads to debilitating stress and anxiety. After a hurricane or tropical storm you deserve to focus on getting your day-to-day routine back in order, as opposed to spending countless hours on the telephone with an insurance agent that does not seem to care. Abrams Justice has years of experience dealing with insurance companies and we are here to help and fight on your behalf from the initial claims process all the way through to a jury trial. At Abrams Justice we know that if an insurance company won’t treat you fairly, a jury of your peers will.

Don’t delay like the insurance companies; call Abrams Justice Trial Attorneys today at (305) 709-0880, so that your case is handled properly from the onset.

Attorney for Property Loss Claim Through Homeowners Insurance in Miami, FL

Unfortunately, hurricanes and tropical storms are common occurrences in the sunshine state, that leave widespread and massive property damage. No Florida citizen is immune to the devastating effects and property loss caused by a natural hurricane. Abrams Justice Trial Attorneys has experience dealing with insurance companies after a hurricane, and they will strive to achieve the best possible outcome for your situation.

We proudly assist clients in the greater Miami-Dade area including Miami, Homestead, Hialeah, Kendall, Miami Gardens, Miami Beach, North Miami, Doral, Coral Gables, Pinecrest, Palmetto Bay, and Cutler Bay. Call us today at (305) 709-0880 or submit your information in our online form for a free case evaluation.


Overview of Property Loss Claim Through Homeowner Insurance in Miami, FL


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Types of Property Damage Claims

Hurricane Irma caused about $200 billion in property damage in Florida, and while hurricanes are not the only cause of property damage in the state, they are a common problem. Such storms can cause wind, mold, water and sometimes fire damage to homes. Listed below are some of the most common types of property damage claims in Florida.

Hurricane/ Wind Damage: The winds from hurricanes and tropical storms can be extremely destructive to homes. Depending on the strength of the storm, the winds can cause debris or trees to hit the house or rip out shingles and siding.

Water Damage: Florida is no stranger to water issues caused by the rainy/hurricane season. This is one of the most common insurance claims and includes flood damage, burst pipes and plumbing backups.

Mold: Unchecked water damage can often times lead to mold damage. This type of damage can be disastrous for homeowners. Not only does it damage property, but it can also create serious health problems for those who live in the home.

Fire/Smoke Damage: Fires can destroy a home in a matter of minutes. Along with the flames from the fire, smoke damage is very dangerous and can be very damaging to a home. Fire damage must be professionally evaluated.


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What is Covered Under Homeowners Insurance?

Whether from a storm, hurricane, fire, flood or tornado, there are a number of claims a homeowner is entitled to under their policy. Some of the claims may include:

  • Repair of the Home: This can include rebuilding walls, floors and roofing. Generally, the insurance company is required to pay for this.
  • Money for Property Damage: This can include appliances, furniture and clothing.
  • Money for Living Expenses: Examples of money for living expenses can include gas, food and hotels.
  • Landscape Damage: You may be entitled to reimbursement or money to repair landscaping back to the condition it was in prior to the damage.
  • Cleaning: If there was damage inside of a home, you may be entitled to compensation for a deep cleaning following repairs.

It is always wise to keep receipts for any out of pocket expenses spent on the property damage because you may be entitled to reimbursement from your homeowners’ insurance.


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Florida Insurance Laws

The state of Florida has robust laws regarding insurance in the state. Some of the Florida laws regarding insurance companies include the flowing:

Property Insurance: Property insurance is required to cover all personal and real property. In addition to covering the home, this can include furniture, appliances, electronics and clothing.

Time to Review Claim:  The insurance company is required to review and acknowledge a claim within 14 calendar days. If the communication includes a notification of a claim the insurance company should provide the necessary claim form and instructions. Within 10 days of the insurance company receiving proof of loss, they must begin their investigation into the claim.

Statute of Limitations: An insurance company must be notified within three years following damage from a hurricane or a claim may be barred.  As long as the claim is made within three years of the hurricane’s landfall, you can have up to five years from the time you incur the damage to file a suit against the insurance company if needed.

Attorney’s Fees:  When an insurance company underpays, denies or improperly disputes a claim, they are required to pay their insured’s attorney’s fees and cost. This was created to prevent insurance companies from taking advantage of their customers.


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Property Loss Claims Through Homeowners Insurance Resources in Miami, FL

Notice of Windstorm or Hurricane Claim– Read full text of the Florida Statue that governs how long homeowners have to file a claim with their insurance company following a windstorm or hurricane. The statute can be read on Online Sunshine, the official site for the Florida legislature.

Insurer’s Duty to Communicate Regarding Claims, Investigations– Follow the link to read the Florida statute that establishes how long insurance companies have to communicate with the insured regarding claims and investigations. The statute can be read on Online Sunshine, the official site for the Florida legislature.


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Lawyer for Property Loss Claim Through Homeowners Insurance in Miami, FL

 If you are having trouble settling a claim with your homeowners insurance, you should contact Abrams Justice Trial Attorneys as soon as possible.  Our attorneys are experienced in dealing with insurance companies and they will fight to ensure you are properly compensated for your loss.

Call Abrams Justice Trial Attorneys today at (305) 709-0880 or submit your information in our online form for a free case evaluation.  We serve clients in communities that include Miami, Homestead, Hialeah, South Miami, Miami Gardens, Miami Beach, North Miami, Doral, Coral Gables, and Cutler Bay.


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