If you have suffered property damage to your home or business as a result of Hurricane Irma, you are probably working through the insurance claims process with your insurance company. There are many questions you may be asking yourself such as:
- What are my rights and obligations under my insurance policy?
- What can I do if the insurance company denies my claim?
- Which items are covered under my policy?
- Do I need to attend an Examination Under Oath (EUO)?
- Can I trust the insurance company’s adjuster?
- Will I get enough money to pay for the damage to my property?
- Should I hire an independent public adjuster to help me with my claim?
- Who can I trust for advice and guidance on these issues?
We can help you answer these questions.
Notifying Your Carrier of Your Losses
As the policyholder, you are responsible for promptly notifying your carrier of your damages. You must provide proof that the loss took place, along with values for items that were damaged or destroyed. If you fail to provide this information, your insurance company can delay paying the claim until it receives the needed information. The failure to give timely notice of loss is legal basis for denial of recovery under your policy. This is a strict legal requirement in Florida. However, great care must be taken to ensure that all items of loss are properly accounted for and accurately appraised. This is the stage where knowledgeable and experienced insurance professionals can assist you with your claim.
Insured’s Rights & Obligations
First, you should be aware that there are numerous laws that protect you from the abusive practices of insurance companies during the claims process. Unfortunately, your carrier is not going to ensure that you are aware and fully informed of all those laws. In fact, your insurance company has an army of adjusters who are doing everything legally possible to make sure that the company pays you as little as acceptable for your claim. They also have a team of lawyers, one of which may sit you down for hours to ask you dozens, if not hundreds, of questions about your claim. You will have to answer under sworn oath if requested by your insurance company. All this is done to minimize or deny your claim. The good news is that you don’t have to go through this alone. You have hope and help.
Florida Insurance Claims Attorneys
At the Viera Yague Law Firm, our attorneys are experienced in handling various types of insurance claims, on behalf of both insurance companies and claimants. We have counseled and prepared many claimants for their sworn examinations, and we have also conducted those examinations on behalf of insurance companies who were denying and challenging claims. Because we have worked on both sides of this process, we can provide you with insightful advice and guidance on what to do and not to do during the claims process. Also, in many of these cases if appropriate, we can represent claimants on a contingent fee basis and claim our attorney’s fees from the insurance companies at the end of the case—so that our fees do not come from your property damage settlement or from your pocket.
Don’t be denied or talked into accepting less than you deserve. We are here to help you take control of your claim. Don’t wait until it’s too late to seek legal counsel for your insurance claim. Let our experienced attorneys handle your claim so that you can focus on rebuilding your life and your business.