In Florida, homeowner’s insurance policies provide protection for the owner’s investment. The policies offer funds for repairs or a complete replacement. When property damage occurs, the property owner files a claim through their insurer. If the insurer denies the claim, the owner files a legal claim with the help of homeowners insurance claim lawyers in Tampa FL.
Terms of the Insurance Policy
The terms of the
homeowner’s insurance policy define what events are covered. The
terms also outline the responsibilities of the owner and the insurer
when damage occurs. Some claims are denied due to a failure to find
the damage early enough. For example, some policies have loopholes
that allow denials after a water leak isn’t discovered and mold
spreads throughout the property. The review of the policy establishes
if the homeowner was eligible for coverage.
The damage report
is vital to the legal claim. It is necessary to detail what type of
property damage happened and how much of a loss the owner incurred.
Legal claims are filed to collect monetary damages, and a significant
loss could present a high payout if the claimant wins their case.
Why was the
The insurer must
explain why the claim was denied. Documentation is sent to the
homeowner for their records even the claims adjuster explains the
denial in person. If the denial violates the terms of the policy, the
policyholder has a viable claim against their insurer.
Estimates for Repairs
repairs are used in the claim and show the financial loss the
homeowner incurred. If the owner incurred a total loss, they need an
estimate from a contractor showing the full cost of rebuilding the
In Florida, homeowner’s insurance policies require the owner to file a claim to collect payments for repairs or replacements. A claims adjuster is assigned to the claim and determines if the damage meets the terms of the policy. Claims are denied by the insurer if the damage wasn’t caused by a covered event. Property owners who were denied benefits and need legal help can Contact us to speak to Homeowners Insurance Claim Lawyers in Tampa FL directly or to schedule an appointment now.