Your insurance company is obligated to compensate you for covered losses after your home sustains damage. Tackling the claims process in the aftermath of a disaster or accident can prove challenging—but it doesn’t have to be. One of our West Palm Beach home insurance claims lawyers can fight by your side.
We are a law firm with a history of winning. Our team has recovered $26+ million for our clients since our founding in 1995. Reach out to GED Lawyers today. One of our staff members will tell you more about what to expect from our West Palm Beach property damage lawyers during the call.
Types of Damage Typically Covered in a Home Insurance Claim
Although every home insurance policy differs, most policies cover events like:
- Windstorms
- Fires
- Damage from vehicles
- Smoke
- Theft and vandalism
- Thunderstorms
- Hurricanes
- Tropical storms
- Tornadoes
All of these events can cause structural damage to your home. Roof damage in particular is very common and can leave our clients especially vulnerable if, for example, the wind sweeps off tiles or flying debris causes shingles to split.
These things can compromise the quality of the roof. When rain is added to the mix, a leak can occur, causing water damage and, in more severe cases, flooding. Sometimes, the lightning from these storms can hit the home or a nearby power source and start a fire.
If you suffered roof damage or any other kind of property damage, our West Palm Beach personal injury lawyers can act swiftly to get you the money you need.
Why an Insurance Company Might Deny or Dispute Your Claim
Fire, water, and wind damage to your roof, walls, floors, or windows usually gives you valid grounds to file a claim with your insurance company. However, insurers don’t always approve claims right away:
- If your home sustained wind damage, the adjuster may assert that the storm winds didn’t cause it, and that poor maintenance or wear and tear was the culprit.
- For fire damage claims, the insurance adjuster could claim that arson or fire safety negligence was the source.
- Your claim for water damage may be denied if the insurer thinks that you weren’t well-prepared for the storm.
- There could also be a policy exclusion. For example, home insurance policies don’t cover flood damage, as flood insurance is a separate policy. Our West Palm Beach flood damage lawyers can determine if you should file a claim under this coverage instead.
Other reasons an insurance company may deny or resist paying out your claim, regardless of the type of damage, could be a misinterpretation of the policy terms, insufficient or lack of coverage, insufficient documentation, unmet deductibles, or a missed deadline. Our West Palm Beach home insurance claims attorneys can review the situation, file an appeal, and strive to get your fair compensation.
The Benefits of Retaining Our West Palm Beach Home Insurance Claims Lawyers
Everyone deserves access to legal representation, and we make that easier for our diverse community. We have staff members who are fluent in multiple languages, like Greek, Turkish, Spanish, Creole, Portuguese, Arabic, and Russian. We make it our mission to provide exceptional service to all we serve. We’ll be there when you need us.
Our home insurance claims attorneys in West Palm Beach can work on every aspect of your case while you’re tending to other matters. The responsibilities our legal team may assume include the following:
- Reviewing and interpreting your home insurance policy
- Determining your eligibility for different types of coverage
- Handling all written and verbal correspondence with the insurance company
- Collecting evidence and documentation of the damage
- Filing your insurance claim
- Negotiating a settlement
- Going to court if necessary
Get in touch with GED Lawyers today to learn more in a free consultation.
Filing a Home Insurance Claim in West Palm Beach, Florida
Don’t wait to start building your insurance claim. Instead:
- Alert your insurer about what happened immediately. Many insurers require you to inform them about any damage your home sustains right away.
- As soon as it’s safe, start documenting the scene. Take photos and record videos of the damage. Consider narrating the video so the insurer gets a more comprehensive idea of how the event has affected your home.
- If you made temporary repairs, like patching up leaks or holes, make sure you put that in your video or photo footage. It’ll show the insurer you’re doing what you can to mitigate some of the damage.
- Hire a professional to come to your property and inspect the damage. They’ll give you an estimate on repairs. Hang on to this and other receipts and invoices that indicate how much it’s going to cost to fix the damage.
Our West Palm Beach attorneys can help you submit all forms and documentation when we file your claim.
How Long You Have to File Your Home Insurance Claim
When you file a claim, you may be entitled to obtain compensation for cleanup costs, as well as repairs or replacement of damaged furniture, personal belongings, appliances, and the structures of your home.
You are pressed for time when it comes to taking action following a damaging event to your home, though. Per Florida Statutes § 627.70132, there’s usually a one-year deadline for filing your claim. Failing to submit it by then could cost you your right to recover compensation from the insurance company.
This is in part why it’s a good idea to involve our property damage attorneys in your claim early: it gives GED Lawyers more time to build your claim and file before the deadline.
Our West Palm Beach Home Insurance Claims Attorneys are Here for You
When you’re struggling through the insurance claims process, our West Palm Beach home insurance claims lawyers can provide you with the support you need. Our client reviews confirm our devotion to all property damage clients.
Call GED Lawyers today. We are available for weekend and evening appointments.
