Property insurance coverage is supposed to provide homeowners and business owners with peace of mind. If a disaster occurs, they should be able to rest assured that their insurance company is there to help them through a difficult time. Instead of lessening the burden of paying for repairs, however, many insurance companies only add to property owners’ distress by denying valid insurance claims for wind, hail and weather damage. In Central Florida, where rain is a constant concern and hurricane damage is never far enough away, denials of claims can be devastating.
Insurance companies scrutinize each claim for property damage carefully. Sometimes, this is a legitimate effort to prevent fraud. Sometimes, it is an effort to avoid paying valid claims.
A property insurance policy is a contract between a homeowner or property owner (the policyholder) and an insurance company (the insurer). The policyholder pays premiums to the insurer. In exchange, the insurer promises to pay for damages suffered by the policyholder, according to the terms of their agreement.
“The terms of their agreement” is often where problems arise — as the saying goes, the devil is in the details. Insurers must abide not only by that agreement, but also Florida and federal insurance laws. Unscrupulous insurers may try to get away with denying claims by people that they think cannot stand up for their rights. This is where a legal advocate can help by reminding insurers of their obligations under the law.
If you have suffered damages because of wind, hail, or other weather, you need an advocate who will fight for your rights with your insurance company. The Florida property insurance claims attorneys at Cordova Law are here to help you. Please call (321) 267-3682 today to schedule a free, confidential consultation to discuss your rights and options.