Fort Lauderdale Homeowner’s Insurance Lawyer
When you purchase a home, you plan for it to be a safe place. But unexpected disasters do happen. Your homeowner’s insurance policy is meant to protect you in case the worst happens. Whether your home was destroyed by a flood, a hurricane, an earthquake, a fire, theft, or some other event, you expect that your insurance provider will do what you have been paying them to do for years: cover your losses should something go wrong.
Unfortunately, insurance companies are often concerned primarily with their bottom line rather than the welfare of their policyholders. They often look for any reason to either deny claim coverage, significantly underestimate the value of the damage and other associated losses, or find a way to get out of the policy entirely. If your homeowner’s insurance provider is trying to get around paying you the money that they owe, you have the right to fight back. The South Florida homeowner’s insurance attorney at Nichols Law is ready to help you hold unscrupulous insurance providers to task for trying to underpay or avoid payment on your claim. Call our Fort Lauderdale office to discuss your claims and find out your legal rights when insurance providers skip out on what they owe.
Causes of Residential Property Damage
Homeowner’s insurance typically covers any form of damage to your property and associated costs. Your insurance should cover, at a minimum, the cost of repairs and replacing any property lost or damaged as a result of the event. Your policy might also cover incidental expenses such as temporary housing while repairs are conducted. Events and types of damage that are typically covered by homeowner’s insurance policies include the following:
- Hurricanes and other storms
- Foundation cracks
- Wind damage
- Burglary and theft
- Water damage
- Construction cracks
These are just a few of the more common causes of property damage. If your home has suffered from any sort of catastrophe and you are concerned about whether your insurance company will pay out under your policy, call the homeowner’s insurance attorney at Nichols Law for assistance.
Building Your Claim
The homeowner’s insurance attorney at Nichols Law is ready to help you build the strongest claim for recovery under your policy. If your house has suffered from a disaster of any sort, we will investigate the circumstances of your incident and help you build the best case for a claim by, among other things:
- Analyzing your situation
- Reviewing your policy and the extent of your coverage
- Preparing forms for filing
- Evaluating the cost of repairs and the value of any property damaged or lost
- Investigating the circumstances of the event
- Explaining your options
- Working to maximize your compensation
What if My Homeowner’s Insurance Claim is Denied?
If you have filed a claim with your homeowner’s insurance after a disaster and the insurance provider has rejected your claim, they might consider your case closed. You should not. Your homeowner’s insurance attorney can help you fight back against their denial.
Your claim may have been denied for any number of reasons, in good or bad faith. Your claim may have been denied because, for example: the insurance provider says that it is not covered by the policy; you did not document the damage sufficiently; you discarded damaged materials; you inadvertently said something to the claims adjuster that they used to deny your claim. In any of these instances, you can reach out to your insurance provider, with the help of a lawyer, to contest the denial.
You can seek to fix any of the alleged deficiencies in your claim forms or claims process, or challenge their conclusions as to your policy coverage. At Nichols Law, we will help you negotiate a complete settlement with your insurance provider for the true value of your lost and damaged property, and we will take your case to court if they are refusing to pay in bad faith.
Help Getting the Coverage You Deserve Under Your Homeowner’s Insurance Policy
If you have an issue with your homeowner’s insurance policy in South Florida, or if your homeowner’s insurance claim has been wrongfully denied or underpaid anywhere in Broward County, the professional and experienced South Florida homeowner’s insurance attorney at Nichols Law is prepared to hear your case We bring more than 30 years of litigation experience to bear in holding insurance providers to task for refusing to pay out on the policies that our clients have rightfully purchased. Call us today at 954-779-3313 for a free consultation, or fill out our contact form online.