Hurricanes are a fact of life in Florida, and with them, you can usually expect wind damage and flooding to follow. Car accidents are also a common occurrence. But no matter how your property suffers damage, you expect your insurance provider to cover it via your policy.
However, insurance companies work for profit, which means your insurer may deny your claim or make you a low settlement offer. A Florida property damage lawyer from Ged Lawyers could take on your case to recover the compensation you deserve for your claim in North Lauderdale so the costs don’t come out of your own pocket. You can call us today to learn more about your legal options during a free consultation with a team member.
Our Property Damage Attorney Will Seek Full Compensation for Your North Lauderdale Insurance Claim
In a perfect world, our properties would never suffer damage. But the world is not perfect, and things happen that are beyond our control. Storms, car accidents, fires, and more happen every day. The reason we have insurance coverage is so that it will cover our losses after disaster strikes, no matter how minor or major the damage left behind.
Insurance policies cover many types of property damage, including:
- Flood damage
- Fire damage
- Wind damage
- Hurricane damage
- Car accident damage
- Roof damage
- Water damage
Florida law requires homeowners insurance providers to cover hurricane damage from wind as part of most standard policies, according to the Insurance Information Institute (III). However, you may find it more challenging to find coverage if you live in a coastal community, in which case you purchase a state-backed FAIR (Fair Access to Insurance Requirements) plan. In addition, flood insurance is typically a separate policy, as the Florida Office of Insurance Regulation explains.
If you get into a car accident in Florida, your car insurance should cover the damage to your vehicle and other items that may have been lost as a result. If another driver is at fault due to negligence, you can also file a property damage claim with their insurance provider as well.
We Will Seek Full Recovery for Your Property Damage in North Lauderdale, FL
Unfortunately, the insurance claims process can be frustrating and stressful, and ultimately, it can result in a denial of your claim or a low settlement offer that doesn’t cover the extent of the property damage you suffered. Your insurer could be handling your North Lauderdale claim in bad faith for the sake of maintaining its profit margin to satisfy shareholders instead of doing what’s right for policyholders like you.
This is where having a property damage liability lawyer with experience handling claims like this can come in handy.
If you hire our firm to handle your case, we will:
- Review your insurance policy and the terms having to do with your claim to evaluate if you have a case.
- Investigate your claim and its handling by your insurance provider to determine if the insurer acted in bad faith.
- Gather evidence to support payment of your claim, including photographs, receipts, and other documentation.
- Calculate your claim’s value so we can seek appropriate compensation on your behalf from the insurer.
- Send a demand letter to the insurer for payment that adequately covers your claim.
- Communicate with an insurer on your behalf so you don’t have to, therefore preventing the insurer from taking advantage of you.
- Negotiate with your insurer to reach a fair settlement.
- File a lawsuit against your insurer and present your case to a jury.
- Protect your rights against violation by your insurer and their legal representatives.
If you have a legitimate property damage claim according to your policy’s terms, and the insurance company won’t honor it, we will help you enforce the policy, which is basically a contract between you and your insurer. We can check to determine if your insurance covers flood damage or lightning strikes.
The legal process is complex, and so is the insurance claims process, but we will guide you through each one and even file your initial claim to ensure there are no mistakes that could result in a denial.
How Much Is It to Hire a Property Damage Lawyer to Handle a North Lauderdale Insurance Case?
At Ged Lawyers, there are no upfront costs, and we offer a free consultation that allows you to review your legal options and next steps. You don’t pay us unless we win your case. These are just a few of the things you can expect so you don’t have to worry about the cost of hiring a lawyer if you are hesitant to do so.
We understand your concern. This is why we are transparent about how payment works. You will not see any surprises or hidden fees. You have enough to worry about financially without having to worry about how to afford a lawyer. Our property damage lawyers work on contingency for this reason.
Your insurer will have a team of lawyers representing them and working against you. You have the right to obtain your own legal representation regardless of your financial status.
Our North Lauderdale Property Damage Attorney Will File Your Case Before the Deadline Expires
You typically have four years to file a property damage lawsuit against a bad-faith insurer in Florida. However, if your home sustains property damage due to a hurricane, you only have three years to file a lawsuit, according to Florida Statutes § 627.70132.
Each insurance and policy may have different rules and time limits, so be sure to pay attention to any deadlines as stated in your policy. We will work to meet all deadlines in your case so you don’t lose the ability to take the insurance company to court if necessary.
Call Today: Our Lawyer Can Lead Your North Lauderdale Property Damage Case
Maybe the insurance provider isn’t following through with its obligations to you as a policyholder despite its duty to do so. Perhaps the insurer did not properly investigate your claim or did not communicate with you about your claim within 30 days.
Perhaps the insurer is ignoring your claim and won’t take any action to settle it in good faith as the law requires. If the insurer did not provide an adequate reason for denying your claim or isn’t paying out on a claim in which there is no dispute, an attorney from Ged Lawyers may be able to make it right.
To learn how our North Lauderdale property damage lawyer can take legal action to get financial recovery for you, call us today.