So the unthinkable has happened: Disaster strikes your Florida home. The bad news? The house has sustained some major loss or damage. The good news? You have a home insurance policy that covers it, and you’ve decided to file a claim. The next thing you should expect is for the insurance company to dispatch their insurance adjuster to inspect your claim.
Most homeowners don’t expect disaster to strike until it’s happened to them, and they are then caught off-guard with the process of filing and going through the claims process. You don’t have to go through the confusing and complex process alone! Insurance companies look out for their bottom line and pay the minimum amount where they can (if at all), and they may seek to lower the amount they give you. We’re here to make sure that you get the full and fair compensation you deserve.
Whether it’s your first time filing a claim or your fifth, you should have an experienced Florida home insurance lawyer by your side—along with the following tips in mind:
- The adjuster works for the insurer, NOT you. The adjuster’s job is to inspect and evaluate the value of your claim. However, at the end of the day, they were hired by your insurer and they are on the insurer’s side to protect their bottom line. They are looking for ways to potentially minimize your claim and close it as quickly as possible. The best way to defend against this is to hire a Florida home insurance attorney as soon as you can.
- You have the home court advantage. While adjusters deal with multiple claims in a day, you have all the time to focus on your own claim. We can help you get your paperwork in order and ensure you have all the evidence the adjuster will ask for.
- Be there for the adjuster’s inspection. This may go without saying, but it is crucial to the success of your claim that you are present when the adjuster comes by to inspect the damage and evaluate your claim. If they ask questions, you will be there to answer them and protect your claim. However, if you are not able to be present, you should ask for a copy of their report as soon as possible. Keep following up if they delay sending you their report. We can help with this.
- Don’t settle. Insurance companies may be banking on the fact that you are tired from your ordeal and just want to see your claim wrapped up quickly. They may try to offer you a low amount so you’ll reject it and settle on a higher claim that they intended to pay anyway. They may try to rush you or pressure you to sign a settlement contract. Any which way they try to spin it, don’t sign any contract or agreements until you and your lawyer have read through all documents thoroughly.
- Follow up. The entire claims process can be frustrating, and insurance companies know this. Adjusters have multiple claims to inspect and may not get back to you as quickly as you expect. Knowing all of this, it is on you to follow-up with both the insurer and adjuster to ensure you are on top of your own claim. While we can certainly help you with all the legal aspects of your claim, there is no substitute to your constant vigilance about getting the compensation you know you deserve.
If the insurer continues to delay or deny your claims, call The Monfiston Firm, P.A. at 888-988-FIRM (3476) today for a free consultation. Our team is experienced in dealing with insurance adjusters and insurers in Florida. We level the playing field against large insurance companies.