It’s very probable at some point while living in the Sunshine State you’ll have to file a Florida Homeowner’s Insurance Claim. We’re well aware of the threat of hurricanes and the damage they cause to our homes, yards, and places of business. However, hurricanes are only one of the many possible threats to our property. Lightning damage, fire damage, and storm damage can be as severe as hurricane damage and just as difficult to handle.
Preparing a Florida Homeowner’s Insurance Claim
If any of your property has been damaged by lightning, fire, or a storm, you should contact your insurance company immediately. Repairing damage as quickly as possible is important in order to prevent further problems, such as mold or flooding. Working with your insurance company on filing your claim is also helpful to make sure you’re completing forms correctly.
Recommended Record Keeping for a Florida Homeowner’s Insurance Claim
If your home has been damaged, you should take every possible precaution to protect it from further destruction. This includes making sure that damaged property that could pose a health hazard is disposed of properly.
Although it might seem difficult when your home has been damaged or destroyed, it is important to take pictures of as much of the damage as possible. A written or verbal record of what has been destroyed and what is missing to accompany the pictures is also recommended.
Having good documentation can help speed up settling your claim. A list of missing or damaged items with dates of purchase, purchase prices, and manufacturers’ names is especially useful. If you can find receipts for your big tickets items, such as electronic equipment, computers, and major appliances, copying them and having them available is an excellent idea.
Your receipts, pictures, and written documentation could also be helpful if it’s necessary to take legal action against your insurance company. If, for some reason, your claim is denied, a homeowners’ insurance attorney can advise you on the best course of action to take to recover costs for the damage to your home.
Working with an Adjuster on Your Florida Homeowners’ Insurance Claim
Your insurance company will send an adjuster to your home to assess the damage you reported. If you have a complete inventory of the damage, it will be a big help. You can use your inventory to work with the adjuster in presenting your claim.
Getting Help from an Experienced Florida Insurance Attorney
If you have any problems with your insurance claim, you should get help from an experienced Florida insurance attorney. At Malik Law, we’ve successfully helped clients get compensated fairly for damage from hurricanes, fire, lightning, storms, and black mold.
We’re prepared to help you understand your homeowner’s insurance policy, handle disputes over claims, appeal or fight denied claims, and deal with fraudulent contractors. We are prepared to take your case all the way to trial if that is what it takes to get rightful compensation for your damages.
Call Malik Law today at 407-500-1000 or submit the Free Case Evaluation form on our website so we can get started working on helping you get the compensation you deserve from your insurance company.
