The Types of Florida Property Insurance Claims

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Having property insurance for your home is an important part of protecting your family and loved ones in case of an emergency or disaster. It is especially important in states prone to natural disasters like tropical storms and hurricanes, such as Florida. If your home is damaged, you want to make sure your insurance policy is up-to-date and that it will cover the damages.

Although most people who own homes have property insurance, unfortunately, not everybody understands the details of their plan. That’s why it’s vital to review your property insurance at least once a year, and if you don’t understand it, consult with an experienced property insurance attorney or specialist. If it comes time to file a claim, you want to be sure you’re covered.

Filing a property insurance claim

Filing a property insurance claim after your property has been damaged is not always easy. You will have to document the damage to your property, and your insurance company will send a specialist to investigate. While honest companies exist, many insurance companies focus on saving themselves money and are known for giving low-ball offers or denying claims. This is why many people hire attorneys when filing property insurance claims.

Listed below are some of the most common property insurance claims in Florida:

  • Hail and wind. This is the most common claim and can include damage caused by wind from hurricanes, thunder and hailstorms, and tornadoes.
  • Freezing and water damage. While not very common in Florida because of the warm climate, in many states, pipes freeze and burst, causing severe damage that’s expensive to fix. This can also happen with old and poorly maintained pipes.
  • Fire, smoke, and lightning. When a home or property is harmed by fire, it can cause a lot of damage very quickly. That’s why it’s especially important to make sure your insurance covers damage caused by fire. There are a lot of options to choose from when it comes to protecting against fire, and many insurance companies offer lower premiums for clients who demonstrate safe practices, like keeping fire extinguishers and smoke alarms in the house.
  • Bad faith claims. When insurance companies fail to recognize your claim, investigate it quickly, fail to reply to your inquiries, or deny your claim without justification, you have the right to file a bad faith claim against them. Consulting with an attorney is recommended before filing a bad faith claim against your insurer.
  • Collapse claims. If your roof or the structure of your home collapses because of hidden decay, insect or vermin damage or from the weight of rain or snow, you want to be sure you’re covered since it will be expensive to fix. Check your policy to make sure collapse damages are included and take precautions throughout the year to maintain your roof and building’s structure.

Central Florida property insurance attorneys

 At Johnson & Williams P.A., we know how difficult it can be to suffer property damage or lose a home to a storm or hurricane. Receiving fair compensation from your insurance company is key to restoring your home and returning to a normal life. As our client, we will help you navigate the Florida claims system and hold your insurance company accountable. Give us a call today at (407) 245-1268 or contact us online for a free consultation.