When to Hire a Florida Attorney for Your Hurricane Insurance Claim
Imagine filing a hurricane insurance claim only to have your insurance provider tell you that they’re not sure you’re covered for the type of property damage you suffered. Though it doesn’t happen with every claim, it still happens to hundreds of Florida homeowners after every storm. Working with a Florida hurricane insurance claims attorney from the beginning can make it easier for you to get the money you need to repair your home. But how can you tell if hiring an attorney is the right choice for your situation? Let’s take a closer look.
Signs It’s Time to Hire a Florida Hurricane Insurance Attorney
Every home is unique and the homeowners insurance you have should be designed to protect your home in the event of a storm. But since insurance providers are businesses and want to preserve their profits whenever possible, filing a claim can be tougher than you might think. Here are a few situations where working with a Florida hurricane insurance claims attorney is in your best interest.
You’ve Never Filed a Claim Before
If you’ve never filed a hurricane insurance claim before, having an attorney on your side from the beginning can take the stress out of the process. Your attorney can review your coverage details and help you ensure that your claim is as accurate and detailed as possible. They’ll guide you through the entire claim and can give you advice on how to proceed if your insurance provider has questions or needs clarification.
Your Claim Is Large or Complex
If your insurance claim is complicated or you’re making claims for a high dollar amount, hiring an attorney can be a good choice. Your attorney will help you prepare your claim and document the damage completely so that the insurance provider can accurately assess the extent of the damage and provide you with a fair settlement. If your home was heavily damaged or destroyed by the storm, an attorney can save you a lot of frustration when dealing with your insurance company.
Your Insurance Company Is Dragging Its Feet
If you’ve filed a claim and your insurance provider isn’t responding to the claim or reaching a decision in a timely manner, hiring an attorney is a good idea. Insurance providers must reach a decision within 90 days of you filing your claim. Failure to do so means they’re in violation of the law and should be held accountable. Your attorney can help you file a complaint with the Florida Office of Insurance Regulation and, if needed, represent you in court.
Your Claim Was Denied
Insurance companies can end up denying claims that should be approved. If your claim was denied, hiring an attorney can help you figure out your options. They’ll be able to review your coverage and your claim to determine if you should appeal the insurance provider’s decision. If you do appeal, your insurance provider can help you with the process and make sure that any documentation you send showcases the full extent of the damage and how it’s covered under the terms of your policy.
Your Settlement Was Too Low
If your insurance provider offered you a settlement that’s too low or far lower than the damage and your coverage limits suggest is fair, an attorney can help you appeal the offer. They understand what’s common and what’s appropriate for most insurance claims like yours and represent your interests with your provider. This may help you get a fair settlement.
Schedule a Consultation Today
Working with an experienced Florida hurricane insurance claims attorney can help you take the stress out of filing your claim. Whether it’s your first claim or your fifth, the team at Parrish Law is here to help. Contact us today to schedule a free consultation and let us help you get your claim settled quickly and fairly.