Your home is
your castle.
It is where you are most comfortable and feel the most secure. When disaster hits your home, it is upsetting and can make your life chaotic and unsettled. The last thing that you need is to deal with your homeowner’s insurance company whose goal is to either find a way to deny your insurance claim or pay you less than you need to return your home to its pre-loss condition. In these stressful times, it is important to have someone by your side that you can count on to make sure you are fully compensated for the damage to your home.
What types of claims are covered by my homeowners’ insurance policy?
If you are currently paying a mortgage for your home, then it is almost certainly insured by what is called an HO-3 policy. This homeowners’ insurance policy is what is referred to as an “all risks policy” meaning that it covers all causes of loss unless it is specifically excluded. Some examples of losses that are covered by your homeowners’ insurance policy are:
Just because you do not have an HO-3 policy does not mean that your loss is not covered. Please consult with an insurance attorney in order to determine what type of coverage you have.
When should I contact an attorney?
Immediately. Under the terms and conditions of your homeowners’ insurance policy, you are required to take certain actions (“post loss conditions”) following a loss and the failure to comply with these post loss conditions could jeopardize your insurance coverage. Those post loss conditions may include some or all of the following:
The information gathered by your insurance company will be used in denying your claim or denying you the compensation you deserve. You are entitled to representation during this time and it is important to have someone by your side looking out for your best interests.
How much will it cost me?
Nothing. There is no cost unless we recover money for you. In addition, should it be necessary to pursue your rights through litigation, Florida statutes provide for the recovery of attorneys’ fees and costs directly from your insurance company.
If your home has suffered damage, then I encourage you to consult with a Ft. Lauderdale insurance lawyer to pursue your rights under your insurance policy. An insurance lawyer should provide you with a free consultation.
Scarberry Law Blog
We offer our clients fresh perspectives and valuable legal insights.
by Jason L. Scarberry, Esq.Have you been duped by your Insurance Carrier?
As I have said before, your insurance company is not your “good neighbor” and you are not in “good hands.” The insurance industry spends millions of dollars...
Read Moreby Jason L. Scarberry, Esq.Hurricane Prep Tip #1
Most people do not think about it but having a copy of your insurance policy can put you ahead of the game after a storm.
Read Moreby Jason L. Scarberry, Esq.After Hurricane Irma – Should I file a Claim?
I have provided the following piece of advice to hundreds of homeowners: “Don’t adjust your insurance claim?” What does that mean? A layperson, in other...
Read More