What To Do If Your Insurance Company Denies Your Homeowner’s Claim

By The Perazzo Law Firm

Florida attracts people from all over the world with its endless beaches and year round tropical weather. Unfortunately, an overabundance of water in our state can have a destructive effect. Floridians know far too well the destructive power of water, whether it is through floods, tropical rains or hurricanes. Our homes are under a constant threat of damage from water. To mitigate the risk of damage, property owners purchase insurance policies that are meant to mitigate the risk of a loss caused by water.

Unfortunately, the insurance policies we purchase tend to be very lengthy and complicated documents intended to be confusing to the policy holder. Seeking funds to repair your home after a loss from the insurance company is far more complicated than simply making a claim. The insurance policy requires certain steps to be taken to make a valid claim. The instructions a policy holder has to follow in order to make a claim are known as post loss obligations.

One of the post loss obligation requires the mitigation of damages. That is, if your home suffers damage, it is your duty, not the insurance company’s, to prevent the damage from spreading and becoming worse. If the loss involves a plumbing leak, you are likely to be required to conduct repairs and clean up of the water at your own expense. You should cut off the water supply, contact a plumber to conduct any necessary emergency repairs, if any are needed and even retain the services of a water mitigation company to collect excess water if you are unable to do so yourself.

Mitigating damages will likely require out of pocket expense. It is important to remember that in any claim for damages your ability to prove your losses may affect the compensation you recover. Keeping a written record of any expenses incurred will strengthen your claim and may help in resolving your claim sooner rather than later.

Despite following all of the post loss obligations described in your policy, the insurance company may still deny your claim and offer compensation far lower than needed to repair your home and return it to the condition it was before the plumbing loss. If the insurance company wrongfully underpays or denies your claim then it may be in breach of your insurance contract. Keeping a close record of the damages and any expenses incurred as a result will aid in your lawsuit against the insurance company.

At The Perazzo Law Firm, we pride ourselves in representing the people of Florida and their families. We will always put our clients’ needs at the forefront of the fight against the insurance industry. Our Florida lawyers have dedicated their entire careers in fighting for your rights. Whether you seek compensation for injuries, fighting for justice for wrongful arrest or looking to repair your home, you can rest assured our lawyers will be there for you.

If you or a loved one has suffered an injury, we encourage you to call us at 786 LAWS-411 (786-529-7411) to set up a FREE consultation to discuss your legal rights.