Experts Predict A Bad Hurricane Season

  • Jul 8 2020

So far, 2020 has brought us COVID-19, a financial crisis, massive protests over police violence and racism, deadly wildfires in Australia, an international incident that could have lead to WWIII, an impeachment, a dust cloud from the Sahara, and the fear of murder hornets. Is it really a surprise that experts are also predicting this could be a particularly bad hurricane season

If disaster strikes, the legal team at Valiente, Carollo & McElligott Law team is ready to help property owners in the Miami area get the compensation they deserve from their insurance carrier

Do I Need An Attorney To Help Me With My Insurance Claim? 

Filing a claim with your insurance carrier following a natural disaster should be a relatively straightforward process. The insurance company in all likelihood knows that something bad has happened and has sent extra claims adjusters to the area to walk its policyholders through the claims process. 

The problem is the insurance company, like everyone else, can be overwhelmed by the scale of the disaster. It may be dealing with thousands of claims, and yours could get lost in the shuffle. 

Or, you could be one of the unlucky policyholders that have a clueless temp worker temporary part-time claims adjuster show up at their home. By the time you realize they didn’t properly document your claim, you have already begun to clean up and make repairs, which destroys the evidence of the damage you deserve compensation for. 

Hiring an attorney to help you through the claims process signals to your insurance company you are taking things seriously. It also relieves you from the stress of pushing papers and negotiating a settlement so you can focus on getting your life back together. 

What If My Claim Has Already Been Denied? 

If your claim has already been denied, the Valiente Law team at Valiente, Carollo & McElligott can help you appeal that decision. 

Insurers frequently twist the language in their policies to minimize or deny valid claims. The most common “stated” reasons for claim denials include:

  • The loss is excluded from the policy
  • The loss is the result of normal “wear & tear”
  • The damage is less than what the insured claimed
  • The damage is less than the policy’s deductible

The reality is insurance companies just don’t want to pay. They make their money by collecting premiums, then doing everything in their power to hold on to that cash. They will do whatever they can do to deny a claim or get a policyholder to accept a lowball settlement. 

Our team helps even the playing field by pushing insurers to honor their policies. We know how to fight back when they suggest an interpretation of the policy language that is not fair, or otherwise try and shirk their responsibilities. 

Attorneys You Can Count On

Valiente LawValiente, Carollo & McElligott’s legal team represents aggrieved homeowners in Miami-Dade, Broward, and  Palm Beach Counties, and throughout the State of Florida get the money they deserve when disaster strikes. Our team is well-versed in the applicable Florida insurance laws, so we can leverage our knowledge and skill to persuade insurers to honor our clients’ property insurance claims whether through litigation, arbitration or mediation. If your insurer has failed to pay the full value of your claim, has denied your claim, or has engaged in bad faith, we know how to help you obtain the coverage you deserve.

Posted in: Property Damage