Owning a home is an exciting, rewarding experience, yet it comes with great responsibility. Thankfully, you’re not meant to bear it all alone. Paying homeowners insurance premiums every month should qualify you for financial assistance to repair any damage your home sustains. Unfortunately, homeowners insurance companies are often resistant to cover those damages.
If you need assistance with your homeowners insurance claim—no matter where you are in the process—a Boca Raton home insurance claims lawyer at Ged Lawyers can lead your case. We are a law firm with a history of winning and want to go after the compensation you need. Contact us today, and we’ll discuss how our Boca Raton property damage lawyers can help you.
What Our Boca Raton Home Insurance Claims Attorneys Can Do for You
If you run into resistance on behalf of your insurance carrier, our experienced attorneys are here to help. Your Boca Raton insurance claim lawyer will form a strategy geared toward your needs. In doing so, we will take on these tasks:
- Gathering evidence
- Reviewing your insurance policies
- Protecting your rights
- Managing correspondence with the insurance company
- Negotiating for a fair settlement
- Fighting for you in court, if necessary
We believe everybody has a right to legal representation and everyone should feel comfortable and seen, especially when going through such a difficult time. As Boca Raton has a very rich culture with people from different backgrounds, we have a multilingual staff with members fluent in Spanish, Portuguese, Creole, Russian, Arabic, Turkish, and Greek.
Our team at Ged Lawyers is committed to providing our clients with exceptional service. We are there for you when you need us, and we mean that, as our Boca Raton personal injury lawyers are available for evening and weekend appointments.
Filing a Home Insurance Claim in Boca Raton
Before filing your property insurance claim, review your policy. It’s important to familiarize yourself with the submission process, covered events and limits, and property inclusions and exclusions. After you have a solid understanding of your policy, we can help you:
- File a police report, if necessary
- Notify your insurance company
- Take photos and videos of the damage
- Hire a professional to assess the damage
- Keep all receipts and invoices for repair costs
Once you submit all information to your insurance provider, you may receive an approval. However, insurance adjusters often deny initial claims. If that happens to you, you can file an appeal. Our Boca Raton insurance claim attorneys will help you gather as much evidence and documentation as possible to give your claim the best chance of success.
Rejected Home Insurance Claims for Damage Due to Water, Fire, and Wind
Insurance companies may hesitate to pay up, especially after a widespread natural disaster. If your home sustained damage, your neighbors’ probably did, too. The more people affected, the more money each insurance company must pay.
Roof damage, in particular, can be devastating. Perhaps strong winds uprooted a tree that fell on your roof, or heavy rains may have caused a roof leak that flooded your home. Sometimes, a lightning strike or damaged power line could ignite, and your roof or entire home might sustain fire damage.
If you file a claim for the damage to the roof and other parts of your home but the insurance company rejects it, our Boca Raton property damage lawyers will go to bat for you. We can challenge the insurance company if it denies your claim based on:
- Insufficient evidence
- Pre-existing damage
- Insufficient coverage
- Improper maintenance
- Lack of preparation for the disaster
- A missed filing deadline
If the insurance company does not treat you fairly, you can expect our Boca Raton bad faith insurance lawyers to fight to hold them accountable for fair coverage. Contact us at Ged Lawyers today to learn more during a free initial consultation.
You May Need a Separate Flood Insurance Policy to Cover Flood Damage
One common reason for claim denials is policy exclusions. The insurer might say your policy doesn’t cover the damage for which you are requesting financial help.
For example, floods are not covered under standard homeowners insurance. You must purchase separate coverage for flood damage. A Boca Raton flood damage lawyer from our team can review your insurance policies and determine what compensation you qualify for.
Filing Your Boca Raton Home Insurance Claim Before the Deadline
Depending on the language and terms of your homeowners insurance policy, you may be entitled to recover compensation for the following damages after filing a home insurance claim:
- Cleanup costs
- Structural damage
- Personal belongings
- Relocation expenses
We understand everything feels like a whirlwind following severe damage to your home. However, please don’t wait to take action, as Florida sets a tight deadline for filing a home insurance claim.
According to Florida Statutes § 627.70132, you generally have one year from the day of the event that caused damage to your home to file a claim. If you don’t submit your claim before then, you could lose leverage during negotiations with the insurance company. We are no strangers to working with limited time, so you can depend on us to handle these matters in a timely manner.
Our Boca Raton Home Insurance Claims Lawyers Are Ready to Assist You
Going through the insurance claim and appeals process can be difficult. Thankfully, you don’t have to do it alone. Leave it to a Boca Raton home insurance claims lawyer at Ged Lawyers. We will handle your case from start to finish and advocate for your rights.
There’s no need to worry about whether you can afford to hire an attorney from our firm. Our lawyers operate on contingency, so they will collect their fee only if they secure compensation on your behalf. Contact us today to begin your free consultation.
