What Should I do if My Property is Damaged?

When there is an emergency situation involving damage to your property, the last thing you think of is whether your insurance will cover the damage. However, insurance companies are always looking for ways to leave a claim unpaid and the homeowner on the hook for repairs.

1. Take photos or videos of the damage, its repairs, and keep all receipts related to the damage and its subsequent repairs

   Documenting absolutely everything related to the damage is crucial when it comes to having a claim successfully covered by an insurance claim. And yes, we mean everything, even if it seems unimportant, like a photo of the removed wet drywall, it can end up making or breaking your claim.

2. Contact your insurance company as soon as possible

   This is just as important as documenting the damage. Contacting the insurance company and notifying them of a damaged claim is a crucial step in securing coverage for the claim. Floridians have two years to file a claim from the date of the incident, or else they may be barred from recovery. However, the sooner the claim is filed, the more likely the damage will be covered.

3. An insurance claims adjuster will come assess the damage

   If you have already engaged in repairs, such as removal of drywall or mold mitigation, ensure you either retain the damaged property or take photos of the damaged items that are removed along with photos of the repairs as they are done.

   If your insurance company accepts responsibilities of the repairs and adequately compensates you as the homeowner for the damages, congratulations! But…what happens if your claim is denied?

4. If your claim is denied by the insurance company

   It is an unfortunately common occurrence in Florida for property insurance companies to deny claims and refuse to compensate the homeowner. That's where we step in. Our firm is here to assist you fight the insurance company and ensure your claim is paid and you are reimbursed for any subsequent repairs.

Call us today and schedule a consultation to see what your legal rights are and how we can help you be fully compensated for your denied, underpaid, or delayed homeowners insurance claim.

This article is not intended to be legal advice. Every claim is different, and every lawsuit is different. Please make sure to consult with an attorney, as soon as possible to preserve your rights.