When filing a Florida homeowners insurance claim, there are several things that you will need to provide to your insurer. This will help protect your interests during your insurance claim. One of the most important things to give to your insurer is a detailed look at what your damages were and the value of those damages. How do you do this? We’ll explain below:
When you file your claim, you should obtain a detailed estimate of the damages that you have suffered. Later, you can compare this estimate to the valuation of the insurance claims adjuster.
To obtain this estimate of your damages, you can hire a reliable contractor, who should itemize the costs of repairs to your home. This estimate should include the proposed repairs, how much those repairs will cost, and list the replacement prices.
In addition, it is always helpful to have receipts or photographs that can substantiate your claim in any way. These pieces of evidence help to show what you lost and how it was damaged.
If your independent damage estimate does not match the estimate of the insurance claims adjuster, you may want to get the help of a Florida homeowners insurance attorney. In a Florida homeowners insurance claim, an experienced attorney may attempt to negotiate a settlement with the insurer. If these negotiations fail, or if your insurance claim is denied, you may choose to pursue damages in a formal court of law.
In a Florida homeowners insurance claims lawsuit, your Florida homeowners insurance attorney can represent your legal interests. In such a lawsuit, your attorney will have to show that you have suffered damages, as well as prove the value of those damages. To do so, your Florida homeowners insurance attorney may:
- submit evidence that has been gathered in your case;
- submit the testimonies of experts; and
- do their best to maximize the amount of your recovery.
When preparing to file a property insurance claim, it is always good to err on the side of caution and gather as much relevant information that you can find in the event that an adjuster will ask for more documentation at a later point.
Hiring 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 get the settlement you need in order to move on with your lives. 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 to fight for the compensation that you need and navigate the tricky world of homeowners and hurricane insurance. Contact us today – 1-877-663-5110.