Florida homeowners insurance policies often provide several vital protections. Here’s a summary of what’s generally covered:
Florida home insurance typically protects you from the following:
However, it’s crucial to understand that standard policies in Florida do not cover flood damage. Homeowners often turn to special insurance through the National Flood Insurance Program (NFIP) for flood coverage.
Additionally, the Florida statute section 627.715 describes the rules and requirements for homeowners insurance in the state. This statute defines the optional coverage available for sinkhole-related damages, as well as the conditions under which insurance companies must provide such coverage. As experienced homeowners’ insurance lawyers in Fort Lauderdale, we always recommend homeowners get familiar with this statute in order to better understand the specifics of their policies and their rights as policyholders.
Homeowners in Fort Lauderdale often face a variety of challenges when it comes to maintaining the safety and integrity of their homes. Over the years, various incidents have led homeowners to file multiple insurance claims. Here are some of the most common types of property damage claims our homeowners’ insurance attorneys in Fort Lauderdale see:
In the beautiful landscapes of Fort Lauderdale, homeowners expect their insurance companies to be there for them when things go wrong. Regrettably, some insurance companies use deceptive tactics that can harm policyholders. Here’s a rundown of the most common approaches our Fort Lauderdale homeowners’ insurance lawyers see and how homeowners can respond:
When it comes to repairing a damaged home, time is of the essence, but some insurers purposefully delay the claim process. This delay can cause undue stress and financial strain on the policyholder.
Fort Lauderdale homeowners don’t have to face these delays alone. Engaging a homeowners’ insurance attorney in Fort Lauderdale can be instrumental in expediting the process. These attorneys are familiar with the insurance environment and can effectively communicate with the insurer to speed up the claim’s progression. The legal framework in Florida, combined with the terms in many insurance contracts, ensures that homeowners get treated fairly and that their claims get resolved in a timely manner.
Receiving a settlement offer that falls short of the true extent of the damage can be discouraging. Some insurance companies may make these “lowball” offers in the hope that uninformed homeowners will accept them.
Before accepting any settlement, homeowners should consider consulting with a knowledgeable homeowners’ insurance attorney in Fort Lauderdale. These experts can provide an unbiased assessment of the damage in relation to the suggested settlement. If the offer isn’t satisfactory, the attorney can communicate with the insurance company directly, advocating for a fair payout that accurately reflects the incurred damages.
Many Fort Lauderdale, FL, residents are unsure when to hire a lawyer for a homeowners’ insurance claim. If you are in the process of making a claim or have already made a claim and it has been denied, you may wonder if you need legal representation. Denial of coverage is one of the most common reasons why people seek out the help of a lawyer. If your insurance company has denied your claim,
Schilling & Silvers Property and Accident Attorneys can review your policy and help you understand your coverage. We can also negotiate a fair settlement with the insurance company if you have already suffered a loss, such as damage to your home or personal belongings.
Understanding the intricate rules of a homeowners’ insurance claim can be difficult. While some claims are straightforward, others may require the assistance of a Fort Lauderdale homeowners’ insurance lawyer. So, aside from when it has been denied, when should you consult a lawyer about your claim?
Remember, involving a lawyer doesn’t necessarily mean you’re heading to court. Often, their role is to simplify the process, ensure you protect your rights, and help you get the settlement you deserve.
No matter what property damage you have suffered, our Fort Lauderdale homeowners insurance lawyers can help you get the compensation you need to repair or replace your property.
Your insurer could deny you coverage. Frequently, these denials arise because insurers have incorrectly applied policy exclusions. This exclusion is standard unless the damage existed or resulted from neglect or inadequate repair, and the damages were not caused in the absence of the claimant. Therefore, you can review the insurance coverage before claiming the damages you have against the insurer for the type of event covered.
For example, suppose you think your insurer has wrongly denied your claim. In that case, it is best to talk to a lawyer about the denial and the possibility of pursuing a lawsuit against the insurer.
Settlement amounts for homeowners’ insurance claims vary greatly depending on the circumstance, amount of damage, and the insurance a particular homeowner had at the time. Below are some examples of cases the Fort Lauderdale homeowners’ insurance attorneys at Schilling & Silvers Property and Accident Attorneys have won and the settlement amounts.
Fort Lauderdale, known for its boating canals and beautiful beaches, is a must-see destination on Florida’s southeastern coast. However, its picturesque setting does not protect it from the forces of nature. While the city has a tropical rainforest climate with warm temperatures all year, it also faces a number of climatic challenges.
Storms, tornadoes, and, most notably, hurricanes are common in Fort Lauderdale’s climate. These natural disasters pose a real risk to properties, highlighting the importance of residents’ preparedness and resiliency. Fortunately, Fort Lauderdale residents have access to a variety of specialized services to help with home repairs and restorations:
As Fort Lauderdale grapples with natural challenges, it’s reassuring for its residents to know they have reliable resources at their fingertips to restore their homes and peace of mind.
Understanding the complicated world of Fort Lauderdale homeowners’ insurance claims requires expertise, dedication, and a thorough understanding of local details. Schilling & Silvers Property and Accident Attorneys has solidified its position as a market leader in this field. Our distinguished law firm has been unwavering in advocating for homeowners and ensuring they receive the justice and compensation they deserve for years. Our Fort Lauderdale homeowners’ insurance attorneys’ deep commitment can be seen not only in our in-depth understanding of homeowners’ insurance challenges but also in the personalized attention we give to each case.
Schilling & Silvers Property and Accident Attorneys understand that each claim is unique, and we approach each situation with tailored strategies and fierce determination. Our impressive track record, as well as the testimonials from many satisfied clients, speak to our unrivaled expertise and dedication in the field of homeowners’ insurance claims. Choosing Schilling & Silvers means picking experience, professionalism, and a genuine commitment to your cause.
In addition to Fort Lauderdale, our legal team also serves Pompano Beach, Miami, Weston, Plantation, Hialeah, Sunrise, Davie, Fort Myers, and more.