Do You Qualify: Florida Home and Property Damage | Underpaid Insurance Claim Help


Dapeer Law, P.A.
Rachel Dapeer
Licensed in Florida, New York, and New Jersey
Office Location: Miami, FL

Florida property insurance claims

If you need help with a Florida home insurance claim, get help from an experienced property damage lawyer. Do not take on the insurance company alone!

Property owners expect that homeowners’ insurance or business insurance will compensate them in the event that they have suffered property damage and file insurance claims.

However, in too many cases, insurers will go to great lengths to deny, delay or shortchange policyholders when it’s time to payout.

For example, 90 percent of flood claims following Hurricane Irma were denied, the Palm Beach Post reported.

Do You Qualify?

Florida homeowners have rights when filing a home insurance claim with their insurance company, and an experienced property damage lawyer can help you understand your rights and help make sure you are fairly compensated.

Property damage may be caused by a variety of factors, including but not limited to:

If you own a home or business in Florida that has been damaged, a Florida property insurance lawyer can help make sure that you’re insurance claim is not underpaid — whether you are beginning the claim process or have already had your claim denied. 

Fill out the form on this page for a free case evaluation.

What are Common Types of Property Damage in Florida?

The climate and weather in Florida can lead to serious property damage. This damage includes:

In addition, Florida homeowners may also be subjected to other types of damage including:

  • Fire damage
  • Mold damage
  • Sinkhole damage
  • Cast iron pipes/rusty pipes
  • Accidental damage
  • Theft
  • Vandalism
  • Loss of art or other valuables
  • Others

What Does Florida Homeowners Insurance Cover?

What is covered by Florida homeowners’ insurance depends on how much coverage was purchased.

The most basic house insurance policy typically includes fire damage, smoke damage, lightning damage, hail damage, wind damage, explosions, aircraft damage, vandalism, theft, among others.

Homeowners may also purchase additional coverage to include other types of damage, such as flood damage, water damage, mold damage, and others.

There are also specific policies for those who own condos, mobile homes, and older homes.

What Rights Do You Have When Filing a Florida Home Insurance Claim?

The Florida Homeowner Claims Bill of Rights outlines both the rights and the responsibilities that each homeowner has as a policyholder during the claims process.

“The purpose of the bill of rights is to summarize, in simple, nontechnical terms, existing Florida law regarding the rights of a personal lines residential property insurance policyholder who files a claim of loss,” Florida statute 627.7142 states.

When filing a claim, Florida house insurance policyholders’ rights include the following:

  • After a policyholder files a claim, an acknowledgment of the claim should be received within 14 days.
  •  After a Proof of Loss is filed with the insurance company, the policyholder is supposed to be notified of the claim’s status within 30 days.
  • Policyholders have the right to receive the full settlement, payment of the undisputed portion, or a claim denial within 90 days.
  • If the claim is being disputed, the Florida statute also grants free mediation in most cases.
  • If the claim is for a sinkhole (covered under the home insurance policy) is disputed, a neutral evaluation will be performed.
  • Florida has established a helpline to assist policyholders if they have any questions or need assistance.

What to Do After Damage Occurs?

The Florida Homeowner Claims Bill of Rights advises homeowners to do the following in the event that their property suffers from damage:

  • Contact the insurance company before entering into any repair contracts.
  • If emergency repairs are necessary to prevent further damage, document all such repairs. If possible, keep the part of the property that was damaged, keep all receipts, and take before and after photographs.
  • If a contract requires that out-of-pocket expenses or fees must be paid, be sure to carefully read the contract. Especially note if the fee is based on a percentage of the insurance proceeds.
  • Make sure that any contractors that work on your property are licensed to do business in Florida and are insured.
  • If the damage is severe enough that you must leave the property, secure the property by turning off the gas, electricity, and water. In addition, let the insurance company know where it can reach you.

Do I Need a Florida Property Damage Attorney?

When a policyholder files a claim, the insurance company has four options:

  • Cover in full
  • Partially cover
  • Deny claim
  • Investigate

While the expectation is that the insurance company will cover any losses caused by unexpected events or forces, this is not always the case.

If you receive a low settlement offer or the claim is denied altogether, an experienced insurance lawyer can assist you in negotiating your claim. A Florida attorney will know the relevant laws and regulations that will aid in ensuring that you receive maximum compensation.

If necessary, a Florida property damage attorney can also represent you if it is necessary to file a lawsuit. Including an attorney in the negotiations will often result in a more reasonable settlement offer.

Florida Home Insurance Claim Help

If you live in Florida and your home or business was damaged, enlisting the help of an experienced property damage attorney may make a difference in the outcome of your Florida home insurance claim. 

Learn more by filling out the form on this page for a free case evaluation by a Florida property damage lawyer. 

Get Help – It’s Free

Get Help With Your Florida Home Insurance Claim

If you have home damage or have already filed a claim with your insurance company, the assistance of a Florida property damage lawyer can help maximize your insurance payout. Fill out the form below to see if you qualify.

If you qualify, an attorney will contact you to discuss the details of your potential case at no charge to you.

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Counsel responsible for this advertisement includes Rachel Dapeer at:

Dapeer Law, P.A.
Licensed in Florida, New York, and New Jersey
Office Location: Miami, FL

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