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Homeowners’ Insurance Claims FAQs

Our Miami Homeowners’ Insurance Lawyers Answer Some of Your Questions

Most homeowners purchase homeowners’ insurance to protect themselves against considerable losses that they may occur in the event of a fire, hurricane, or another disaster.  While homeowners’ insurance offers peace of mind, many homeowners are rudely surprised when they go to file their first claim and it is denied. With so much confusion swirling around homeowners’ insurance, it is understandable that many homeowners have questions about their coverage and homeowners’ insurance claims. Our homeowners’ insurance attorneys answer some of your questions below:

  1. What should I do if my property has been damaged?

Your first step should be contacting your insurance company to report the incident.  You will need to inform the insurance company when the damage occurred, how it happened, and whether the police were contacted (as in the instance of theft).  Once you have reported the damage, you should contact our Miami homeowners’ insurance attorneys for help with your insurance matter.

  1. A neighbor injured him or herself on my property and is threatening to sue me. Does my homeowners’ insurance protect me?

In most instances yes.  Homeowners’ insurance will pay for damages if the accident was the result of your negligence.  Most homeowners’ insurance policies will contain a clause covering medical payments arising out of injuries suffered by others on your property.  Call your agent to discuss policy limits and contact our attorneys for help with your claim.

  1. What does my homeowners’ insurance policy not cover?

Most homeowners’ insurance policies will not cover damage resulting from the following:

  • Hurricanes (requires a separate policy)
  • Neglect or failure to make repairs
  • Water
  • Earth movement
  • Animals or pests
  • Fungi
  • Contamination
  • Corrosion or deterioration
  • War
  • Power failure

Read your policy thoroughly to determine specific exclusions in Florida and your specific policy.  If you are not clear about a certain provision or feel your claim has been wrongfully denied, contact Greenberg, Stone & Urbano right away.

  1. What should I do if my homeowners’ insurance claim has been denied?

You will likely learn of your denial through a denial letter.  The letter will explain why your claim has been denied, but it may not always be easy to understand.  If you feel the letter does not fully explain why your claim has been denied, you can request the adjuster to clarify.  It is important that you understand an initial denial of your claim is not the end of the process.  You can appeal your denial and often the appeal will be successful.  Contact our office as soon as possible so that our homeowners’ insurance attorneys can start protecting your legal rights.

Contact the South Florida Homeowners’ Insurance Attorneys at Greenberg, Stone & Urbano Today to Schedule Your Free Consultation!

Homeowners’ insurance can be a confusing topic.  Many insured are not clear as to what their policies cover and what they do not.  The Miami Homeowners’ Insurance Lawyers at Greenberg, Stone & Urbano assist homeowners across the state with their insurance claims.  Our team of experienced attorneys will take the reins to resolve your insurance matter.  At Greenberg, Stone & Urbano, we bring over 130 years of combined professional experience to your case.  We offer the knowledge assistance you need to obtain the compensation to which you are entitled.   Our firm received the honor of receiving an AV rating from Martindale-Hubbell and were named a Top South Florida Law Firm by the Miami Herald.  Call us today at (888) 499-9700 or (305) 595-2400 to schedule your free consultation.  You can also contact us online.

 

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