When insurance companies began offering discounts to homeowners as an incentive to increase their home’s compliance with hurricane-safe standards, many took advantage. Across the state of Florida, hundreds of thousands of homes were upgraded and inspected to comply with the government standards for hurricane-resistant features.
With the appeal of homeowners insurance discounts also came dishonesty, both from home inspectors and homeowners. Many falsified inspection reports were submitted to qualify for deductions from homeowners insurance rates. Eventually, the insurance companies called for regulation and new legislation was passed to impose restrictions and better guidelines on discount eligibility.
If you are renewing your homeowners policy soon, you may have questions on your eligibility for certain deductions. In some cases, homeowners find they are no longer eligible for deductions under these new laws as well. To re-qualify for some of your discounts, you may have to go through a new home inspection and provide photographic evidence of improvements.
The new legislation also allows for insurance companies to have their own inspectors review your home improvements. While this is at their expense, it may raise questions of the inspectors’ loyalty to the insurance company if they deny obvious and eligible improvements. If you question the integrity of an inspection report by an insurance company inspector, you may need to consult with a Florida homeowners insurance attorney to see if you have a legal case.
A Florida homeowners insurance attorney can assist you in reviewing the current status of Florida homeowners insurance discounts and how they apply to your home. If you are wrongfully denied discounts and need help in providing evidence of your eligibility, an attorney can help.
Getting the Help of a Florida Homeowners Insurance Attorney
The Florida homeowners insurance attorney team at Falk & Falk Law Firm knows how important it is to you and your family to receive all your eligible Florida homeowners insurance discounts. Our Florida homeowners insurance attorney team has experience in helping victims of natural disasters—and other homeowners’ nightmares—recover from their loss.
An experienced attorney can help you fight for the compensation you deserve and navigate the tricky world of homeowners insurance. To help take the confusion out of the current laws regarding eligibility for Florida homeowners insurance discounts for hurricane safety, contact us today– 305-742-0878.