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What are the Most Common Homeowners Insurance Claims?  Miami Attorney Explains

Homeowners insurance has the same concept as automobile insurance – if your home or vehicle suffers damage in any way, you have the ability to file a claim to have the home or vehicle repaired without having to pay the entire out of pocket cost.  Under Florida law, homeowners insurance is not required, unlike automobile insurance.  However, without homeowners insurance, it would be extremely difficult to have your home fixed without draining your bank account.  On the other hand, many Miami and South Florida residents have come across issues and conflict when dealing with homeowners insurance claims.  As such, it is important to understand fully how the claims process works so that you are not taken advantage of.

With extensive experience handling homeowners insurance claims and the potential problems and conflicts that come along with the process for some homeowners, the Miami property insurance claims lawyers of Greenberg, Stone & Urbano continue to provide superior legal representation to their clients to help them get homeowners insurance matters resolved.  We truly understand how important your home is to you and your family, and we work diligently to ensure our clients are having their homeowners insurance matters resolved as quickly and as reasonably as possible.

Understanding the Most Common Homeowners Insurance Claims

Homeowners insurance claims can vary from state to state, as weather conditions undoubtedly will play a role in the type of damage that one’s home may suffer.  Common insurance claims that exist across the board, regardless of where you live, include, but are not limited to, the following:

  • Exterior damage caused by high winds;
  • Non-weather related damage caused by malfunctioning or broken appliances (i.e., water heater, sump pump, refrigerator, faucet leak, etc.);
  • Weather-related damage aside from high winds (i.e., hail and possibly ice);
  • Theft; and

Many Florida residents are not likely to experience an ice storm or other weather that is typically unique to more northern states; however, any homeowner should be prepared for what may seem like the impossible.  Additionally, Florida residents (especially Miami and other South Florida cities), may experience flooding or sinkholes that are unique to that part of the state, and have the potential to cause severe damage to homes.

Given that weather conditions can vary from one place to the next, homeowners should take measures to ensure that their policy covers common causes of home damage.  It is also important to keep in mind that flood insurance, as well as sinkhole insurance, may be an optional add-on to a general homeowners insurance policy.  Many homeowners are shocked when they find out that their insurance policy may not cover certain damage.  This is one reason you should consider how an attorney may be able to help you better understand your insurance policy so that you can resolve a current dispute, or learn how you can avoid an insurance dispute in the future.

Contact the Miami Insurance Claims Attorneys of Greenberg, Stone & Urbano Today to Schedule Your Free Consultation!

Whether you have already filed a homeowners insurance claim or plan to do so in the near future, it is crucial that you complete the process accurately so that you do not end up being taken advantage of.  You deserve to have your home repaired in accordance with your homeowner’s insurance policy.  When disputes arise, you need a strong advocate by your side.  The Miami Insurance Claims Attorneys of Greenberg, Stone & Urbano provide a wide array of legal services and have the necessary resources and knowledge to help you with the homeowners insurance claims process.  Our law firm has over 130 years of combined experience representing their clients both inside and outside of the courtroom.  Greenberg, Stone & Urbano has received an AV rating from Martindale Hubbell and has also been named as a top South Florida law firm by the Miami Herald.  If you would like to speak with one of our attorneys to discuss your legal matter, contact our office today by calling (888) 499-9700 or (305) 595-2400 to schedule your free consultation.  You may also contact us online by visiting our website.

Sources:

http://www.insurancejournal.com/news/national/2016/04/06/404400.htm

http://www.nbc-2.com/story/31656511/travelers-identifies-most-common-and-costliest-homeowners-claims

 

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