When a storm, such as a hurricane, causes damage and resulting emotional 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 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 settlement. 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 and appropriate 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 is conduct by an insurance company which justifies our involvement:
- Claim denials
- Claim delays
- 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 When You Have a Loss?
First, get your insurance policy. If you do not have a copy, request one from your insurance agent, or at the very least, request the company name, phone number, and policy number.
Report the damage or loss to 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?
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 most policies of insurance.
Ready to start aggressively pursuing maximum compensation for your storm damage?
Call us at 813-940-5100 today!