Florida Property Insurance Claim Lawyer
For Florida property owners, property insurance is a necessity. Residential and commercial properties are at risk of significant damage from hurricanes and tornadoes throughout the Atlantic hurricane season that runs from June through the end of November annually. In addition, Florida properties can be damaged year-round by house fires, lightning strikes, heavy storm winds, mold, and more. Contact our experienced Florida property insurance claim lawyer to learn more about property insurance claims and options for resolving disputes.
Understanding Property Insurance in Florida
Property insurance provides various forms of coverage to areas of land, the structures on them, and the contents of the structures themselves. In addition, standard property insurance policies include liability coverage and medical payments coverage for circumstances in which another party gets hurt on the property. It is important to know what is included in a standard policy, and what types of coverage will require additional insurance or a separate policy.
For many Florida homeowners who want sinkhole coverage, their policy must include additional coverage. Although Florida law requires all insurance companies to offer sinkhole coverage to homeowners, sinkhole coverage is not required under Florida law. Flood insurance requires homeowners to pay a separate premium for a separate flood policy, and this is particularly important to be aware of when considering storm surge and water damage caused by Florida hurricanes.
Common Types of Florida Property Insurance Claims
In Florida and across the country, almost 50 percent of all homeowners’ insurance claims each year arise out of wind or hail damage. Wind damage claims are especially common in Florida after hurricanes that directly cause wind damage, or that spawn tornadoes that cause substantial wind damage to Florida properties. In general, the following are some of the most common types of property insurance claims that homeowners and commercial property owners file every year:
- Wind damage;
- Hail damage;
- Fire damage;
- Lightning damage;
- Water damage; and
- Bodily injury liability claims.
These types of property insurance claims can be denied by insurance companies for various causes. Mistakes or errors are possible, including mistakes by the insurance company or by the policyholder. For example, an insurance company might misread the language of the policy and deny a claim that is actually covered, or an insured policyholder might accidentally leave out required information in their claim.
When an error results in a claim denial, the issue can often be remedied without a lengthy dispute process or litigation. However, when the insurance company refuses to admit to a mistake, or the insurance company acts in bad faith by unreasonably delaying a Florida property insurance claim investigation or denying a claim, policyholders often must turn to other options for resolving the dispute.
Contact the Florida Property Insurance Claim Lawyers at Geyer Fuxa Tyler Today
When an insured policyholder’s property is damaged, that policyholder should be able to file a property insurance claim with the expectation that it will be investigated and paid promptly by the insurer. When that does not happen, it is time to seek legal advice. An attorney at the firm of Geyer Fuxa Tyler is here to assist you. Contact our experienced Florida property insurance claim lawyer today.