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Experiencing property damage in Fort Lauderdale, whether it’s your home, condominium, or commercial establishment, can stir extreme feelings of financial anxiety and emotional turbulence.
As Fort Lauderdale property damage lawyers, we know it can be particularly challenging when catastrophic events like the two recent EFO tornadoes which caused historic flooding in Fort Lauderdale, or the devastating hurricanes of Ian, Andrew, or Irma ravage your Broward County property.
Managing the chaos of damage repair while also wrestling with the quest for fair compensation is often an overwhelming endeavor. This is why collaborating with an experienced property damage attorney in Fort Lauderdale is essential.
Doing so can significantly alleviate the strain associated with securing compensation, particularly when your insurance provider or the party liable for the damage stubbornly refuses to cover the costs.
Contact Schilling & Silvers today to converse with our adept legal team, who are ready to assist you in your time of need.
Remember to adhere to the following steps should you find yourself in the unfortunate position of having to deal with property damage from a storm, flood, or fire. Prompt action is key to getting back on your feet and ensuring you have a robust claim against your insurance company.
Remember, every situation is unique, and what is applicable to one property owner might not be suitable for another. It’s always recommended to seek professional legal advice tailored to your specific circumstances.
Homeowners insurance policies in Fort Lauderdale typically offer coverage against a diverse range of risks. However, as experienced Fort Lauderdale property damage attorneys, we know it’s important to understand that not every incident will be covered.
Here’s an overview of what is typically covered and what isn’t:
Generally Covered by Homeowners Insurance
Generally Not Covered by Homeowners Insurance
The insurance claims process can be fraught with complications, so rather than wondering whether what you want to claim for is valid or not, consult a reputable property damage attorney in Fort Lauderdale. They can help you navigate the claims process and ensure you get what you deserve.For
There are many types of property damage claims involving homeowners, condo owners, businesses, hotels, etc. which our Fort Lauderdale property damage lawyers commonly handle.
Condominium owners often encounter unique issues with property damage due to shared spaces, amenities, and building structures. Claims can involve anything from water leaks from neighboring units to wind damage from storms. A specific condo insurance policy often covers these situations, but conflicts may arise between individual owners’ policies and the condominium association’s master policy.
Similar to residential claims, commercial condo claims often involve disputes between unit owners and condominium associations. Commercial policies often need to address issues like loss of income in addition to property damage. Schilling & Silvers understands the bylaws (the internal rules which govern how a business is run), policies, and the Florida statutes pertaining to association requirements.
With its coastal location and vulnerability to hurricanes, many property owners in Fort Lauderdale may need to make flood damage claims through the Federal Emergency Management Agency’s (FEMA) National Flood Insurance Program. These can be complex claims to navigate, often requiring proof of the flood event, documentation of the damage, and adherence to FEMA’s specific procedures and deadlines.
Understanding your coverage and the claims process can make a substantial difference in the aftermath of property damage. However, given the intricacies involved, consulting with a property damage lawyer in Fort Lauderdale like Schilling & Silvers can be invaluable in such circumstances.
When facing various types of property damage due to natural disasters or other events, home and building owners often turn to insurers for aid.
Here’s a detailed look at the types of property damages that can lead to claims:
Other common causes of property damage leading to insurance claims are:
It’s crucial to remember that FEMA assistance is often provided in response to specific, federally declared disasters and not for individual incidents or typical homeowners insurance claims.
Having a clear understanding of your coverage and the claims process can significantly help if your property suffers damage. A Fort Lauderdale property damage lawyer can provide guidance and advice tailored to your specific situation.
Insurance companies operating in Florida are regulated by state law, which sets forth numerous legal obligations that these companies must fulfill in order to protect policyholders.
Here’s an overview of some of these key legal responsibilities:
Good Faith: Insurance companies have an obligation to act in good faith when dealing with their policyholders. This means they should be fair, honest, and transparent when handling claims.
Prompt Response: Once a claim has been filed, the insurance company has an obligation to immediately acknowledge and investigate it. They should provide prompt and effective communication throughout the process.
Fair Compensation: Insurance companies are legally required to fairly compensate policyholders for valid claims. If a claim is valid, the company cannot unduly deny or underpay the claim.
Explanation of Policy Terms: It is the responsibility of the insurance company to clearly explain policy terms to each policyholder. This includes informing policyholders of what is covered under the policy and what is not.
Reasonable Investigation: Insurers must conduct a reasonable and thorough investigation of a claim before denying it or offering a settlement. They must use the facts obtained from their investigation to calculate a fair settlement.
Notification of Decisions: When a decision is made on a claim, the insurance company has an obligation to notify the policyholder in a timely manner. This includes providing reasons for any denial of claims.
Florida Statute 627.70131(1)(a) is especially significant to the claims process.
According to this provision, an insurance company must settle or deny a claim (or a portion of a claim) within 90 days of receiving notice of the claim from the policyholder. However, this is only applicable if the policyholder has submitted a complete proof-of-loss statement to the insurer. If the claim is denied, the insurer must provide written notice to the policyholder explaining the reasons for the denial.
The legal landscape of insurance claims can be complex, and navigating it successfully often requires a thorough understanding of both the specific terms of your policy and the laws governing insurance practices. A knowledgeable property damage attorney in Fort Lauderdale can be a valuable resource in these situations.
A lawyer can offer indispensable assistance to those dealing with property damage claims. At Schilling & Silvers, for example, we can assist through the following:
The average payout for homeowners claims in Florida can vary significantly based on the type of damage, the extent of the damage, the value of the property, and the specifics of the insurance policy.
Hurricane claims, for instance, tend to have larger payouts due to the extensive damage hurricanes often cause. Smaller claims, such as those for minor wind or water damage, may have smaller payouts.
However, it’s important to remember that each claim is unique, and the payout will depend on the specific circumstances of the claim and the policy coverage.
Always consult with a professional to get an accurate understanding of the potential payout and the process involved in making a claim.
The Fort Lauderdale property damage lawyers at Schilling & Silvers are uniquely qualified to represent your claim. You can depend on us to fight for you because we have insider knowledge of how to handle these claims. The reason: oand they actually adjusted and litigated claims on behalf of insurance companies before joining our firm and representing homeowners.
Before a storm hits your property, there are several precautionary steps you can take to protect your home and belongings. These measures can make a significant difference in reducing potential damage and easing the claim process if your property suffers damage.
This includes documenting all of your personal belongings, their condition, and their value. An inventory can be as simple as a list with descriptions, but it’s often helpful to include photographs or video recordings of your items. Don’t forget to document high-value items such as jewelry, art, or electronics. Store this inventory, along with receipts, appraisals, or any other documentation of value, in a safe place.
Make sure you understand what is covered by your insurance policy and the steps you need to take if you need to file a claim. It’s also a good time to review policy limits and deductibles and consider whether you might need additional coverage.
Secure your property by checking and repairing any weak spots, such as loose shingles, broken windows, or cracks. Clear your yard of anything that could become airborne and cause damage during a storm, such as patio furniture or loose tree branches.
This should include essential items such as water, non-perishable food, first aid supplies, flashlights, and extra batteries.
Develop an evacuation plan with your family. Make sure everyone knows where to go and what to do in the event of a storm.
While the city offers resources such as weather alerts, emergency planning assistance, and public safety information to help its residents stay safe and informed; individual preparation, like taking a home inventory and securing properties before a storm, is a critical part of mitigating the potential impact of these natural events.
In the event that damage does occur, remember to notify your insurance company as soon as possible and provide them with your pre-existing home inventory. Having these documents ready can expedite the claim process and help ensure you receive the compensation you deserve for your damaged property.
Fort Lauderdale, located on the southeastern coast of Florida, is known for its beach lifestyle and generally warm and sometimes-humid weather. However, its geographical location also exposes the city to a range of weather-related challenges and public safety concerns.
In light of these challenges, residents are advised to stay informed about local weather conditions, create disaster preparedness plans, and ensure their homes are well-equipped to withstand these weather events.
The city also offers various resources, such as emergency services, weather alerts, and public safety information, to help residents manage these risks. Some critical resources to know as a property owner and resident of Fort Lauderdale include the following:
Even though the Fort Lauderdale is known for its beautiful beaches and warm climate, as Fort Lauderdale property damage lawyers we know it also frequently experiences powerful storms, hurricanes, and flooding due to its coastal location.
Residents need to be aware of these risks and be prepared for them. The city offers resources such as weather alerts, emergency planning assistance, and public safety information to help its residents stay safe and informed. Still, individual preparation, like taking a home inventory and securing properties before a storm, is a critical part of mitigating the potential impact of these natural events.
Do you have a property damage claim that has been denied? Do you believe that your insurance provider has unfairly calculated your losses and is offering an unjust amount that won’t cover the damages to your property?
Whether you need assistance with navigating the claims process or have a specific complaint against your insurance service provider, the experienced legal team at Schilling & Silvers can help. Over the years we have built a reputation for dedication, transparency, and open communication – because we know this is the only way we can provide our clients the exceptional service they deserve.
In addition to Fort Lauderdale, our legal team also serves Pompano Beach, Miami, Weston, Plantation, Hialeah, Sunrise, Davie, Fort Myers, and more. Contact Schilling & Silvers today!
We hired Schilling & Silvers after being unable to reach an acceptable settlement with an insurance company. Aaron handled everything professionally, kept us informed regularly, and quickly negotiated the settlement we were looking for. I would highly recommend Schilling & Silvers for your legal needs!
I hired Schilling and Silvers to help with my Insurance claim. Mr.Silvers was able to get my case settled fairly quickly. He was very professional.i would recommend him in the future to anyone needing assistance with claims. Thank you so much.
Just want to say that Aaron, Jed, Jeremy, and their staff were professional, helpful, and most importantly effective in their handling of our case. I wouldn't hesitate to recommend their firm for anyone who is looking to an expedient and fair resolution to their property insurance dispute.
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