Florida homeowners carry homeowners’ insurance to protect them from losses caused by certain types of damage. While you might expect that your insurance company will pay your valid claims, some insurance companies either try to minimize how much they pay by misinterpreting the language of their policies or deny valid claims.
At the Law Office of Lisa Selinger, South Florida lawyer Lisa Lullove Selinger has nearly two decades of experience fighting for the rights of her clients. She understands how devastating it can be for homeowners to have their homeowners’ insurance claims denied. These problems can be especially difficult following a hurricane or tropical storm because of the large number of homeowners who make claims simultaneously. Ms. Selinger has represented both individuals and corporations, and she understands the types of tactics insurance companies sometimes use to try to reduce the value of claims or deny them. If your homeowners’ insurance claim has been undervalued or denied by your insurance company, you should speak to Lisa Lullove Selinger. She might be able to help you understand your legal options and assist you in pursuing legal remedies.
Under § 627.7142, Fla. Stat. (2021), insurance companies operating in Florida are required to provide a notice of their insureds’ rights with homeowners’ insurance within 14 days of receiving communications about a potential claim. These rights include the following:
In 2021, the Florida Legislature passed SB 76, which was subsequently signed by Gov. Ron Desantis. This bill made multiple changes to the laws for property insurance claims. Some of these changes include the following:
One of the most hotly contested issues in homeowners’ insurance claim disputes is whether the damage is covered under a policy. Most policies cover property damage that is caused by natural events, including hail, wind, or fire, and crimes such as theft and vandalism. However, your coverage will depend on your policy. You need to know that flood damage is not covered by regular homeowners’ insurance and must instead be separately purchased.
Insurance companies are for-profit businesses, and they often try to avoid paying claims. If your home was damaged through a covered event, your insurer might try to offer you an unreasonably low settlement or deny your claim. Your company might argue that the damage is outside of the scope of your policy and blame it on something that is not covered.
If your insurance company is disputing your claim or has denied it, you should speak to South Florida lawyer Lisa Lullove Selinger as soon as possible. Contact us today to request a consultation.