Florida Insurance Claims Attorneys

5 Things to Know About Property Damage Claims

Dealing with property damage can be a challenging experience. Here are five crucial things to keep in mind when filing a claim.  

All Damages Must Be Proven

Insurance companies and other parties involved in the claim process rely on evidence to evaluate the validity of your claim and determine the appropriate compensation or resolution. To support your claim, collect concrete evidence such as photographs, videos, or repair estimates. They help establish the existence and extent of the property damage. In addition, keep a detailed record of all communication with your insurance company, including phone calls, emails, and letters. Be diligent in collecting and organizing all relevant information to your claim.

Solicitations from Public Insurance Adjusters

After a major disaster, it is common to receive solicitations from public insurance adjusters offering their services. While some reputable adjusters can be helpful, be cautious and do thorough research before engaging with one. Verify their credentials, check references, and understand their fee structure. You have the right to hire a public adjuster if you choose, but take your time and make an informed decision that is in your best interest.

Policy Language

Homeowners’ insurance policies can be complex and filled with jargon. Take the time to carefully review and understand the language in your policy. Pay attention to exclusions, deductibles, and limitations. Knowing the specifics of your coverage will help you manage your expectations and avoid any surprises during the claims process. If you have questions or need clarification, do not hesitate to contact your insurance provider or seek legal advice.

What Not to Do When Pursuing a Property Damage Claim

When pursuing a property damage claim, it’s important to be mindful of certain actions or behaviors that could potentially undermine your case or hinder the claim process. For example, do not delay reporting the damage to your insurance company or property owner. Delaying the reporting may lead to suspicion or skepticism about the legitimacy of your claim. In addition, avoid making repairs or modifications to the damaged property before consulting with your insurance company. 

Be cautious when speaking to an adjuster, and refrain from discussing fault. Statements that mistakenly imply liability can weaken your position and be used against you. Additionally, do not accept the first settlement offer without thoroughly reviewing it. Take the time to assess the damages and consider seeking professional advice from a property damage attorney. 

An Attorney Can Help

A Florida Property Damage Attorney can explain your rights, obligations, and available legal options, helping you make informed decisions at each stage of the claim process. They know what types of evidence are crucial for building a solid property damage claim and can help you with its collection and preservation. In addition, a property damage lawyer will deal with the insurance company on your behalf to ensure your rights are protected and negotiate to maximize your compensation.

If you encounter difficulties or disputes, your attorney has the resources to consult relevant experts, such as engineers, contractors, or appraisers, to provide professional assessments and opinions on the cause and extent of the damage. These expert opinions can strengthen your claim and support your case during negotiations or litigation. If your property damage claim does lead to a lawsuit, having a skilled litigator on your side can significantly improve your chances of success in court.