Insurance Claims in South Florida
Insurance companies are for-profit businesses, meaning finding ways to make and save money are their priorities. Because of that, some companies deny valid, legitimate homeowners insurance claims. These companies often give reasons that sound valid, but they don’t stand up in court.
A South Florida insurance claims lawyer can review your policy and claim to determine what the company owes you. Then, your attorney can negotiate with the company or pursue litigation if necessary. You purchased homeowners insurance as a safety net, and The Santos Law Offices can hold the company accountable so you can receive the money it owes you.
Reasons for Insurance Claims
The Santos Law Offices represents clients who have suffered damage for a myriad of reasons. Common reasons for claims include damage due to:
- Leaking pipes
If your home has suffered damage and your company refuses to pay, contact a South Florida insurance claims lawyer from The Santos Law Offices today.
Filing A Homeowners Insurance Claim
If your home has suffered damage that’s covered under your insurance policy, you must follow the insurer’s guidelines when filing a claim. First, find out how long you have to contact the insurance company. Then, you will likely need to take photographs of the damage and mitigate additional damage. In addition, if the claim includes theft, the insurance company might require that you file a police report.
The insurance company will review your claim and issue a payment or denial within 90 days. If the payment is lower than expected or if your claim is denied, you can hire a South Florida insurance claims lawyer.
Possible Legal Remedies
After evaluating your case, your South Florida insurance claim lawyer will discuss possible legal options. The insurance company might agree to settle the case without going to trial. If the settlement offer isn’t fair, you can then go through mediation to attempt to settle once again.
Sometimes, insurance companies aren’t willing to negotiate in good faith. When that happens, The Santos Law Offices files a lawsuit. Then, your attorney can present your case to prove that the insurance company breached the contract.
Why Choose Santos Law offices
- Free Consultation – Go over your case during the free phone consultation.
- Highly Rated – The firm has received numerous rave reviews and recommendations on Google and Avvo.
- Bilingual – Dalyla Santos and the staff at The Santos Law Offices are fluent in English and Spanish, ensuring that each client receives proper representation.
- Multiple Practice Areas – The Santos Law Offices specializes in bankruptcy, civil litigation, insurance claims, and immigration.
- Personalized and Affordable Legal Services – Dalyla Santos truly cares about her clients. She provides personalized and affordable legal services to help individuals and citizens throughout South Florida.
- A Firm With Purpose – The Santos Law Offices gives back to the community through pro bono work, mentorships, and charitable donations. Also, employees are supported and recognized for the work they do.
What Happens When An Insurance Company Acts In Bad Faith?
If your insurance company is acting in bad faith, the law is on your side. First, you must have a legitimate claim. Then, the company must deny the claim, even though it has no legal reason to do so. The insurance company is also acting in bad faith if it offers a payout that is considerably lower than the claim’s value or if it delays the payment. If your insurance company is acting in bad faith, contact a South Florida insurance claims lawyer. Your attorney can handle negotiations and speed up the process. Also, your South Florida insurance claims lawyer can escalate the claim to court if needed.
Statute Of Limitations For Filing A Claim
If your insurance company denies a valid claim, it’s in breach of contract, and you can file a lawsuit. The statute of limitations for breach of contract suits is five years. In this instance, it’s five years from the date of the damage. Thus, if your home suffered damage exactly one year ago, you have four years left to file a lawsuit against the insurance company. Contact a South Florida insurance claims lawyer today to ensure you file your claim before the statute of limitations passes.