"Property insurance in Florida has long been regulated by the Valued Policy Law - The law protects homeowners and facilitates the quick settlement of claims..." The Wind and the Waves: The Evolution of Florida Property Insurance Law in Response to Multiple-Causation Hurricane Damage. Scott Edwards. 34 Fla. St. U. L. Rev. 541 (2006-2007)
YOUR INSURANCE MAY COVER PARTIALLY OR FULLY YOUR WATER AND MOLD DAMAGE
WE CAN HELP
We can offer you free advise in how to proced, depending on the type of damage your property has.
We work with both Public Adjusters and Insurance Lawyers with a lot of experience and proven results.
We work with Insurance Lawyers that do not ask for upfront money and will recover their legal fees from the insurance company directly. However, the litigation proces may be lenthty and you will have to fix some of the property damages using your private funds, to avoid further damage.
Hiring An Insurance Claim Lawyer or a Public Adjuster?
When your property is damaged by a disaster and you are going to file an insurance claim, you should look for experienced profesionals that can obtain better results by negotiating with the insurance company on your behalf.
It’s important to note that your interests and the interests of your insurer are in direct competition. The insurance company hire their own adjusters and staff, and they will always try to pay you as little as possible for the damage to your property.
The better choice for you is to hire either a Public Adjuster or an Insurance Lawyer that will represent your interest when evaluating the damage, filling the clain and negotiating the amount of money you will need to restored the property to its original conditions before the damage.
Public Adjuster and Insurance Lawyers will work with you to get the best outcome for your insurance claim.
Public Adjuster: unlike your insurance company’s insurance adjuster, a public adjuster works directly for you – the policyholder. They are experts in assessing the damage, gather evidence, study your insurance policy, and help you get the compensation that you genuinely deserve based on your rights as an insurance policyholder. They can handle the entire process of filing and managing your claim with your insurance agency on your behalf.
Sometimes the insurance company is not willing to pay the amount of money that you need to fix the damage to your property and you have to resort to litigation. Usually, Public Adjusters work with Insurance Lawyers that will sue the insurance company and show that they failed to provide adequate coverage or acted in bad faith during your claim.
An Insurance Lawyer is the best option if your insurance company refuses to negotiate or denies your claim outright. Insurance lawyers and attorneys provide many of the same services as public adjusters. They can legally negotiate with the insurance company, which public adjusters can’t do in some states, and help you settle the case for the money you deserve.However, they are not always specialists in assessing damage to property, and this is why they usually hire a Public Adjuster to evaluate the damage to your property. Some Insurance Law firms employ Public Adjusters in their staff.
In some cases, it may be a good idea to work with both a public adjuster and a lawyer to get compensation. Lawyers and public adjusters have areas of expertise that can be very useful to you as you negotiate with the insurance company and consider legal action.However, remember that if you do this, you will likely have to pay fees to two different agencies or individuals, which can take a significant piece of your compensation. It’s often best to start with a public adjuster, and only hire a lawyer if you think that your insurance company won’t negotiate a reasonable settlement.