Florida Insurance Claim Attorneys
As Florida insurance claim attorneys, we help Florida property owners navigate the complicated, often frustrating process of filing an insurance claim and making sure they get everything they’re entitled to from their insurance company. Our years of experience in dealing with property damage insurance claims have shown us that whereas Florida homeowners generally trust that their policies will cover storm damage, water damage, and fire damage to their homes, insurance companies often deny payment or underpay legitimate damage claims.
If your claim has been denied, delayed, or underpaid, or if your home has recently been damaged by a storm, water, fire, or hail and you want expert advice and help filing a claim, please contact the experienced insurance claim attorneys at Malik Law. We understand what a difficult time this is and will help you throughout the entire claims process.
We have helped our clients recover millions in property insurance, personal injury, and commercial litigation matters and want to help you collect the maximum amount possible to repair your home and replace damaged items.
Orlando, Florida Insurance Claim Attorneys’ Process
The process for filing a Florida insurance claim varies depending on the specific situation. For instance, If the damage to your home has created a dangerous or potentially hazardous situation, then your first step should be to do whatever is necessary to prevent any injury or further damage. This may involve leaving your home, securing damaged areas, and/or seeking medical attention. Once safety is restored, you should contact your insurance company to report the damage and file a claim.
While insurance claims processing may vary slightly between companies, you can generally file claims online, over the phone, or in writing. The more information you have beforehand about the extent of damage, items that need to be replaced, and your policy, the smoother the process will go. In fact, we suggest you take pictures of the damage and have receipts for damaged items available, if at all possible.
Once you’ve provided the necessary information, your insurance company will assess the value of the loss. Depending on the nature of the claim, an insurance adjuster may be sent to your residence to make an assessment and provide an estimate for the loss or damage. At this point, it might be helpful to have a trusted contractor do his or her own assessment of the damage or loss, so that you have a point of reference for evaluating the insurance adjuster’s assessment.
If your insurance company accepts your claim, they will determine the amount to be paid based on the assessor’s evaluation. If the amount seems unreasonable, given the extent of damage to your property, you have the right to contest it. If you have a policy that requires you to use contractors specified by your insurance company for repair work, and their work is substandard, you can also file a complaint. In either case, you may want help from an experienced Florida insurance claim attorney.
If, on the other hand, your claim is denied and you believe it should have been covered, you can file an appeal. Most appeals do not successfully change the insurance company’s decision to deny the claim, however, so you may also need help from a Florida insurance claim attorney in this situation.
If You’re Having Trouble with Your Florida Insurance Company
If you have concerns about your policy or problems with your insurance company, please contact the experienced Orlando insurance claim attorneys at Malik Law. We understand how insurance companies, insurance policies, and the law work and will fight for your rights.
Call us today at 407-500-1000 or submit the “Tell Us What Happened” form on our website for a free consultation with one of our expert Orlando insurance claim attorneys.