When a storm, such as a hurricane, causes damage and financial loss, insurance companies are expected to fulfill their promise and compensate their policyholders for their losses in a timely manner. By undervaluing, underpaying, and delaying claims, the stress of storm damage can be multiplied.
The Florida insurance claim attorneys at Danahy & Murray, P.A. can help you with the claim process, from preparation and documentation of events and damage, to the final payment. We can help you review your policy to locate coverage, coordinate inspections by experts, and assist in the submission of the claim. If litigation is necessary following the completion of the claim process, we can promptly initiate suit or appraisal in order to enforce your contract rights in the courts.
The following conduct by an insurance company justifies our involvement:
- Claim denial
- Claim delay
- False statements to the insured
- Withholding payments
- “Low-ball” offers, estimates, and payments
- Persuasion against the hiring of third parties, such as public adjusters
- Requests for a release as condition of the settlement of a claim
- Coding checks as “full” or “final” payment
If you believe that your insurance company is underpaying your claim or otherwise acting in an inappropriate manner, contact our Florida insurance lawyers so we can discuss your legal rights.
What Is the Process of filing a claim after a Loss?
First, find your insurance policy. If you do not have a copy, request one from your insurance agent, or at the very least, request the agent provide you with the company name, phone number, and policy number.
You should also report the damage or loss to the agent and the responsible insurance companies as soon as possible. Tell the insurance company what happened and describe the damage. Take pictures and document your claim.
In the meantime, make sure that you take necessary precautions to prevent further damage.
What is a Proof of Loss?
Sometimes an insurance policy will require that you provide a sworn statement in proof of loss (“Proof of Loss”). A Proof of Loss is the formal submission to the insurance company of the policy holder’s claimed amount, which validates the claim and must be submitted within 60 days of loss under some policies of insurance. Under other policies, you must only provide a Proof of Loss when requested to do so.
Ready to start aggressively pursuing maximum compensation for your storm damage?
Call us at 813-940-5100 today!