A Florida insurance policy may be more complicated than insurance policies in other states. There are many hurricanes and tropical storms that can impact Florida, so it is important to find an insurance company that will cover your home and provides support for storm damage.
A Florida insurance company may not pay the full amount of coverage for your home after a storm. Insurance companies will often offer a lower settlement amount to clients before offering their maximum settlement amount. Your insurer will need to see a list of documents that proves that your claims are valid.
Photographing the damage to your house is one of the best things you can do in order to prove damages to your insurer. Photographic evidence is important, regardless of whether your roof was damaged by fallen branches or floodwaters.
You can get quotes from different contractors and ensure that all documentation is done. This will allow you to determine the true value of the damage. In an emergency, such as a hurricane cleanup phase, your insurer might underestimate the cost of contractors in your region. When emergency services are not involved in the cleanup, insurance companies often base their quotes on the rates of the contractor. Get at least three estimates from contractors in your local area to prove that your settlement from insurance may not be sufficient to cover your damages.
A homeowner will need to record any additional expenses that result from the damage to their home. You may have to purchase new carpeting and furniture if you’ve suffered a flood. A homeowner may need professional cleaning to remove mold and sewage from their home. You may need to remove or replace drywall on floors and walls. Whether you’re hiring equipment or performing the work yourself, keep all receipts.
You can also keep track of the cost of living while your house is being renovated for insurance purposes. You may have to find alternate living arrangements or pay for a hotel in order to make your home safe again.
This documentation will allow you to file a claim against your insurance company. It will prove that your expenses were genuine. However, there are cases where your insurer might not agree to lower the total price of your insurance. Access to all documentation is a great way to present your case if you need to sue your insurer. There are many insurance disputes. It is crucial that you do not attempt to take legal action against your insurer. A professional insurance attorney can help you make the right decisions and ensure that you get the best representation. If you need an insurance attorney, contact us today.
This post was written by Kelly-Ann Jenkins of Jenkins Law P.L. Kelly-Ann is an insurance claims attorney. The information on this site is not intended to and does not offer legal advice, legal recommendations or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your individual situation.
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