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Florida Insurance & Litigation Lawyers / Clearwater Property Insurance Claim Lawyer

Clearwater Property Insurance Claim Lawyer

Property owners in Florida rely on homeowners’ insurance, commercial property insurance, and other types of property insurance to cover losses at real property in the event of damage. When a property owner submits a claim and the insurer denies it, fails to investigate, undervalues the damage, or otherwise fails to comply with the policy terms, the property owner should find out about taking legal action. The firm of Geyer Fuxa Tyler can help. Contact our experienced Clearwater property insurance claim lawyer to learn more about how we can assist you with your property insurance claim.

Clearwater Property Insurance Policies

Property insurance policies in Clearwater are agreements between property owners (or renters, in some cases), and insurance companies. Property owners agree to pay premiums and to file future claims according to certain requirements in exchange for the insurance company agreeing to provide coverage for particular types of property damage in specific situations.

In Clearwater, most property insurance policies are for residential property or commercial property. Residential property is typically insured through a homeowners’ insurance policy. Florida homeowners’ insurance policies typically contain the following forms of coverage, according to the Florida Office of Insurance Regulation (FLOIR):

  • Coverage for the structure on the property (i.e., the house);
  • Coverage for other structures on the property, such as fences or sheds;
  • Coverage for personal property inside the structure, such as furniture;
  • Coverage for loss of use of the property in the event of significant damage;
  • Personal liability coverage in the event someone gets hurt on the property; and
  • Coverage for medical payments to others who may be injured on the property.

Coverage for the structure generally includes certain forms of hurricane damage, such as wind damage, but flood damage — which is common in Florida due to hurricane storm surge — is not usually covered in a standard homeowners’ insurance policy. Instead, homeowners must purchase a separate flood policy.

Frequent Clearwater Property Insurance Claims

Common property insurance claims filed in Clearwater include but are not limited to damage for the following:

  • Hurricane damage claims;
  • Roof damage due to winds or heavy rain;
  • Wind damage more broadly;
  • Fire damage;
  • Mold damage;
  • Flood and water damage; and
  • Electrical damage.

Clearwater Property Insurance Claim Disputes

Property insurance claim disputes and other issues with property insurance claims can arise for varied reasons after a policyholder submits a claim. Common issues in property insurance disputes in Clearwater include, for example:

  • Claim is denied without detailed explanation;
  • Insurance company unreasonably delays its investigation of the claim;
  • Insurance company denies the claim because it alleges the policyholder allowed the policy to lapse by failing to pay premiums in a timely manner;
  • Claim gets denied because the insurance company says the type of loss or damage is not covered by the policy;
  • Policyholder submits an incomplete claim, or a claim with incorrect information;
  • Insurer denies the claim because the policyholder failed to mitigate damage; or
  • Insurer appraises damage at a much lower value than what the policyholder submitted in the claim.

Contact the Clearwater Property Insurance Claim Lawyers at Geyer Fuxa Tyler Today

If you have questions or concerns about your rights as a policyholder in Clearwater or need help with your property insurance claim, the advocates at Geyer Fuxa Tyler can assist you. Contact our experienced Clearwater property insurance claim lawyer today.

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If you are having difficulty receiving coverage or compensation on your insurance claim, call our office for a free consultation. Several of our attorneys and staff members speak Spanish, and we are always here to serve you.

We take cases on a contingency fee basis, which means that our fees and costs are contingent on achieving a positive result for you. In many cases, however, our fees and expenses are paid mostly or entirely by the insurance company.

By submitting this form I acknowledge that contacting Geyer Fuxa Tyler through this website does not create an attorney-client relationship, and any information I send is not protected by attorney-client privilege.

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