Owning a home in Miami comes with many concerns. For example, homeowners often fear damage from hurricanes, fires and floods in our region. Homeowners insurance exists to help you pay for repairs or to replace your home or belongings when they’re damaged. Unfortunately, some insurers fail to live up to the promises they make when you purchase a policy.
Fighting an insurance company for the money you need to repair and rebuild can be challenging. Insurance is big business, and these companies do not like to hand out money. However, the right strategy can help you win when dealing with your insurer.
Strategies that can strengthen your damage claim
Although insurance litigation is sometimes the final solution for homeowners, most want to avoid litigation if possible. The strategies below are important before resorting to a courtroom solution.
Review your policy. Before you call your insurer demanding satisfaction, read your policy documents carefully. You will want to make sure your policy covers the problem and the damages.
Avoid making repairs. Although you probably want to address any damage to your home right away, avoid making even temporary repairs. First, speak with your insurer and consider talking to an attorney as well.
Say no to no. Many insurance companies routinely deny even valid claims. They do so because most people do not dispute the first response they receive from an insurer. Always remember that you do not have to take no for an answer, especially in the early stages of your claim.
File an appeal. If your insurer continues to deny your valid claim, you can file an appeal. In most cases, attorney assistance can strengthen the outcome of an appeal. Insurance companies know it is harder to deny a legal professional with knowledge of state laws than it is to deny a homeowner.
When insurance litigation seems the only answer, take comfort in knowing that help is available. Your attorney can develop effective ways to support your case when litigation is indeed your final (and most effective) solution. Continue reviewing the insurance litigation section of our website to learn more.