Helping Clients Throughout Miami With Their Property Insurance Claims
If you own or rent a home or commercial property in Florida, at some point you will likely have to file a property insurance claim as a result of some type of damage. We understand that dealing with an insurance company’s representatives can be a frustrating experience. You pay high insurance premiums to have your home insured in case of unexpected property damage. It is only right that an insurer fulfills its duties under the policy when such damage occurs. Unfortunately, insurance companies often put profits ahead of policyholders by delaying or denying claims. If you are involved in a dispute over a property insurance claim, it is important to know your rights.
Valiente Law represents aggrieved homeowners in Miami-Dade, Broward, Palm Beach Counties, and throughout the State of Florida. Well-versed in the applicable Florida insurance laws, we 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.
A Primer on Property Insurance
Property insurance is designed to protect residential or commercial property owners (and renters) from damage to a premise and/or its contents. Many policies cover damage to the structure of the building and items such as furniture, appliances, clothing, collectibles and other personal property arising from:
- Fire damage
- Flood damage
- Water damage (broken pipes/back-ups)
- Hurricane damage
- Windstorm damage
- Tornado damage
Given that South Florida is prone to hurricanes, heavy rains and flooding, many of our clients come to Valiente Law seeking help to resolve common property damage claims such as water damage to their home caused by roof leaks, pipe ruptures, hurricanes, storms, or property damage caused by fallen trees.
We understand that navigating through a property insurance policy and dealing with an insurance company’s representatives can be difficult. For that reason, it is important to hire legal counsel that has a competent understanding of insurance law when it comes to litigating your claim.
We work to help our clients obtain the full value of their property damage claims — repair costs, loss of use, content replacement, and additional living expenses. More often than not, our team has proven its ability to successfully negotiate a favorable resolution for our clients. But in the event that your insurance company refuses to pay your claim, our office is fully capable of representing your interests throughout the course of litigation or at trial.
Why Do Insurers Deny Homeowner’s Insurance Claims?
While insurance companies have an obligation to honor property damage claims, they frequently interpret policy provisions to minimize or deny valid claims. The primary reasons for claim denials or underpayments include:
- The loss is excluded from the policy (i.e. loss caused by normal “wear and tear”)
- The damage is less than what the insured claimed
- The damage falls below the policy’s deductible
Although these are the most common reasons for claim denial, some insurers unjustly delay or deny claims and payouts to protect their cash reserves and profits. Armed with significant financial resources, powerful teams of attorneys and claims adjusters, insurance companies have an unfair advantage over homeowners. At Valiente Law, we have the skills and resources to level the playing field and know how to protect your interests.
Miami Florida Property Insurance Attorneys
When your home is damaged or destroyed by hurricane, flood or other calamity, the experience can be overwhelming. Where will we live? How will we replace our lost possessions? How will I cover my living expenses? Your insurer should answer those questions. When an insurer fails to live up to its promises, that’s where we come in.
Valiente Law is dedicated to fighting for the rights of homeowners who have sustained property damage and other losses arising from fires, floods, hurricanes and other disasters. Contact us today to schedule a free property damage consultation.