Making a payment to your insurance company every month should help ensure you receive coverage when your home is damaged. Sometimes, the insurer approves the initial claim, but there are also times when they are more resistant and reject it. Whatever your situation is, one of our North Lauderdale home insurance claims lawyers can help you in your pursuit of compensation.
We can work on all areas of your case while you figure things out at home. We are a law firm with a history of winning, and now it’s time for us to pursue the coverage you need. Reach out to GED Lawyers today to learn more. During our call, we’ll give you more of a rundown on what to expect when you hire our North Lauderdale property damage lawyers.
Steps to Take When Filing a Home Insurance Claim in North Lauderdale
The first thing to do whenever the integrity of your home is compromised is to ensure that you and your loved ones are safe. If that means relocating for a couple of weeks, then that’s what you have to do. In addition, as soon as you’re able, tell your insurance company about the situation. Many insurers require that you alert them right away.
After you’ve covered these bases, you’ll need to start building your claim so you can receive reimbursement for all related expenses and losses. Our North Lauderdale personal injury lawyers at GED Lawyers recommend that you:
Document the Damage to Your Home
Take pictures of all the damage your home sustained. Capture it at different angles so the insurer can get the full scope of the damage. If you made any temporary repairs, like patching holes in the wall, make sure you get clear images of them. It will show the insurer that you’ve done what you can to uphold some of the integrity of the building.
It’s also a good idea to record videos of the scene. Consider talking the insurer through everything to give them a broader context.
Hire an Inspector to Examine Your Home
Contact a professional inspector to assess the damage. They’ll conduct a full investigation and might even spot damage that you weren’t aware of. They may refer you to a contractor and/or give you an estimate of how much it will cost to make all the repairs once they conclude their evaluation.
Keep a record of all the estimates and receipts related to the damage so you know what a suitable amount of compensation looks like in your case.
One of our North Lauderdale home insurance claims lawyers can compile and present all this information when we submit your claim. In doing so, we may request compensation for expenses relating to cleanup, repairs, damaged personal belongings, and related costs (e.g., hotel or laundry bills).
Benefits of Working With Our North Lauderdale Home Insurance Claims Attorneys
Leave all the legal work to our insurance claims lawyers. We have been serving clients since 1995, recovering over $26 million in settlements and verdicts in that time. When we take on your case, allow us to assume these responsibilities for you:
- Identifying which types of coverage you can file under
- Reading and interpreting your insurance policy
- Talking to the insurance company
- Leading settlement negotiations
- Compiling evidence to substantiate your claim
- Taking the claim to court, if necessary
Everyone deserves access to legal representation, and we make that easier for this diverse community. For example, don’t expect to pay us anything up front, hourly, or out of pocket. We are a contingency–based firm, meaning we only take attorney’s fees if we get compensation for you.
On top of that, we have a multilingual staff fluent in Greek, Turkish, Arabic, Spanish, Portuguese, Russian, and Creole. You’ll be able to talk about your case with ease and peace of mind knowing that communication with us will never be an issue. Get in touch with GED Lawyers today for more information.
Ensuring You File Your Home Insurance Claim on Time in North Lauderdale
There’s a lot to do in the aftermath of damage, whether it stems from:
- Theft and vandalism
- Hurricanes
- Thunderstorms
- Fire and smoke
- Tropical storms
- Tornadoes
Still, ensuring your claim stays on track is crucial. Acting fast is the best thing you can do for your home insurance claim. Per Florida Statutes § 627.70132, in most cases, there’s a one-year deadline to file a claim. Any delay in filing could risk your right to compensation. If you alert GED Lawyers about your claim soon after the damage occurs, we can get to work on your case well before the deadline.
Common Reasons for Home Insurance Claim Denials
If your claim is denied, one of our North Lauderdale home insurance claims lawyers can review the insurer’s explanation. Some common reasons include:
- Missed deadlines
- Preexisting damage
- Poor upkeep of the home
- Wear and tear
- Exceeded policy limits
- Misrepresentation of the policy terms
- Insufficient coverage
- Lack of evidence
- Policy exclusions
Policy exclusions can cause a lot of confusion between the insurer and the policyholder. For example, if a home sustained water damage and flooded, many people might think they could go to their home insurance for coverage. However, flood damage doesn’t fall under home insurance, as it’s a separate policy. A North Lauderdale flood damage lawyer on our team can figure out how to approach your case.
In any case, once your lawyer in North Lauderdale identifies the “why” behind the insurer’s decision, we can collect more evidence and speak to the insurance company to get a better understanding of the denial. Once we have enough information, GED Lawyers can appeal the denial and resubmit the claim on your behalf.
Team Up With Our North Lauderdale Home Insurance Claims Attorneys Today
Don’t worry about learning the nuances of insurance law and identifying your next steps alone. A North Lauderdale home insurance claims attorney at our firm is here for you. If you read through our client reviews, you’ll see that we take care of all aspects of our clients’ cases, all while providing attentive customer service.
Contact GED Lawyers today for a free consultation.
