State wide claim prep - use Gonzalez & Herrera to file your property insurance claim
One of the biggest problems facing homeowners in Florida is not the damage from a sinkhole, or mold, or a Hurricane, rather, it's getting the insurance company to do what it's legally suppose to. Studies have shown that only 1 in 10 homeowners file a claim when an emergency happens, even though they have coverage for the emergency. More often than not, homeowners never get the full compensation they are due according to the terms of their policy. Of course, it is in the best interest of an insurance company if the policyholder either does not understand their coverage, or does not file a claim. Get the advice and assistance of a good attorney. They know the law, and can often get you a higher pay out.
Here are a few steps all homeowners should take before a disaster strikes:
- Review your coverage. If you don’t understand it, setup an appointment and we'd be happy to review your policy with you. Verify what is covered and what is not. Make sure you are clear and it is in writing in the policy.
- If an emergency happens, review the coverage areas that pertain to the event, and consider contacting an attorney to assist in preparing the claim. An attorney can find monies you did not know you were due.
- Document the damage. Document everything.
- Homeowners should hire an insurance claims attorney who can work on their behalf. Most policyholders just let the insurance company send their adjuster, and it’s not in their best interest to do so.
- Keep track with photos and receipts of damaged possessions.
- Save all of your receipts. Don’t wait to do the repair if it is critical.
- Do not assume something is not covered. It may be in the wording of the policy but in a contingency that the policyholder does not understand.
- Just because a claim is initially rejected does not mean the policy does not cover the issue.
- When you have to fight an insurance company you need an attorney to do battle for the money you are rightfully due.
- We only get paid if you get paid. Florida law requires the insurance company to reimburse you for legal expenses if the court determines that the initial claim should not have been denied or somehow under paid by the insurance company.