Your insurance company has an obligation to cover various types of damage to your home following a natural disaster or an accident. Unfortunately, you may encounter complexities and roadblocks in your pursuit of compensation. These can be difficult to figure out on your own, especially when you’re trying to take stock of your losses. A Margate home insurance claims lawyer at our firm can step in and advocate for your rights.
GED Lawyers is committed to giving our clients exceptional service. We’re there for you when you need us, and we can even schedule meetings with you on weekends or in the evenings. Give us a call to begin. One of our team members can further explain what our Margate property damage lawyers can do for you.
Insurance Companies Sometimes Reject or Dispute Home Insurance Claims
Living in South Florida makes homeowners vulnerable to various kinds of storm damage. For example:
- Strong winds from a hurricane, thunderstorm, or windstorm can split or take off the roof tiles.
- Winds and floods could cause things like telephone poles, trees, debris, and power lines to fall on top of the house, leading to roof damage.
- Heavy rain can inflict wear and tear on the roof, creating a hole and ultimately a leak and other water damage.
- Severe weather conditions can increase the risk of fire damage. Lightning could strike the home or a power line and set the property on fire.
Any of these events could be the basis of your home insurance claim in Margate.
Unfortunately, the insurance company may still reject or resist your claim. They may try to say you missed a filing deadline, don’t have sufficient evidence, are missing certain information, didn’t properly maintain the home, or didn’t do your part to limit the damage to your roof, walls, or foundation. Our Margate personal injury lawyers can review their reasoning and appeal their denial.
What to Do After Finding Damage to Your Margate Home
If you think you have grounds to file a home insurance claim, the first thing you should do is go over your policy. It should define terms, conditions, deductibles, limits, inclusions, and exclusions. A common exclusion is flooding: the typical home insurance policy does not cover flood damage, as that is a policy you would purchase separately.
Our Margate flood damage lawyers can go through your policies and see what coverage you have.
After you have a solid understanding of your policy, we can help you alert your insurance company about the damage. Many policies say that you must inform them about damage immediately. Otherwise, you could face difficulties with receiving a full payout of your claim.
We can also tell you how to gather evidence to prove your claim’s validity. This may include:
- Filing a report with the Margate Police Department, if the situation calls for it
- Taking clear photos of all the damage at various angles
- Recording videos of the scene and providing some narration to give further detail about what happened
- Obtaining an inspector’s report of the damage
- Creating a file for the receipts, invoices, and documentation that back up your claim for damages
- Documenting any temporary repairs you made to the property
Our home insurance claims lawyers in Margate can ensure you have all the necessary information to submit your claim. Connect with GED Lawyers today to learn more about your options. We have a multilingual staff fluent in Creole, Spanish, Portuguese, Greek, Turkish, Arabic, and Russian.
Hiring a Margate Home Insurance Claims Lawyer on Our Team
Finding your way back to normal following damage to your home can be a challenge. Hiring a home claims attorney from our firm can help you focus on getting your life in order. In the meantime, our legal team will be working on your case by:
- Collecting and submitting evidence
- Reading and explaining your home insurance policy
- Identifying which coverage you should file under
- Filing your claim
- Appealing a denial for your claim
- Taking on all communication with the insurance company
- Fighting for a settlement during negotiations
- Representing you in a trial, if need be
We will be in touch with you through it all. Every time there’s an update in your case, you’ll be the first to know about it. It works the other way, as well, meaning our property damage lawyers want to hear from you if you have any questions or reservations about the process. We’ll get back to you via email, text, or phone call as soon as possible.
Our Margate attorneys have been assisting clients since 1995 and have secured over $26 million in financial recovery for them in that time. These results, as well as our client testimonials, prove our dedication and work ethic. One former client, Eyad Albhaisi, said, “Very helpful and professional customer service. Superb experience. Highly recommend. Service from start to finish and some more.”
Now, GED Lawyers is standing ready to serve you.
File Your Home Insurance Claim Before the Deadline
Depending on what your policy states, you may be able to recover the expenses for cleanup, relocation, and repairing damage. However, there’s not a lot of time to submit your claim. Florida Statutes § 627.70132 generally allows one year to file. If you don’t make the deadline, then you will most likely be barred from obtaining any compensation from the insurance company.
This strict time limit is part of the reason GED Lawyers encourages you to reach out to us as soon as possible. One of our insurance claim lawyers can get to work on your case so you don’t risk missing the deadline.
Start Working with Our Margate Home Insurance Claims Lawyers Today
At GED Lawyers, we think that everyone has a right to access legal representation, and we make that easier for our diverse community. If you’re dealing with a denial or just getting started on your home insurance claim, our Margate home insurance claims attorneys are ready to guide you through the process of seeking compensation for your losses. Get in touch with our firm today for a free consultation.
