{"id":11668,"date":"2022-09-03T18:10:09","date_gmt":"2022-09-03T18:10:09","guid":{"rendered":"https:\/\/kpattorney.com\/?p=11668"},"modified":"2025-11-04T12:29:39","modified_gmt":"2025-11-04T17:29:39","slug":"florida-homeowner-claims-bill-of-rights","status":"publish","type":"post","link":"https:\/\/kpattorney.com\/es\/blog\/florida-homeowner-claims-bill-of-rights\/","title":{"rendered":"Propietario de vivienda de Florida reclama declaraci\u00f3n de derechos"},"content":{"rendered":"<p><a href=\"https:\/\/kpattorney.com\/es\/personal-injury\/how-cases-work\/negotiating-with-insurance-companies\/\">Compa\u00f1\u00edas de seguros<\/a> est\u00e1n obligados a enviar a los propietarios de viviendas de Florida la \u201cDeclaraci\u00f3n de Derechos de Reclamaci\u00f3n\u201d del estado cuando presentan una reclamaci\u00f3n por da\u00f1os materiales. Deben envi\u00e1rsela en un plazo de 14 d\u00edas desde la recepci\u00f3n de la reclamaci\u00f3n.<\/p>\n<p>El prop\u00f3sito de este documento es informarte sobre los derechos y responsabilidades que tienes como titular de una p\u00f3liza al presentar un reclamo de seguro para tu vivienda.<\/p>\n<p>Desafortunadamente, muchos documentos legales usan jerga y lenguaje complicado, lo que puede hacerlos dif\u00edciles de entender.<\/p>\n<p class=\"translation-block\">Hemos tratado de simplificar la Declaraci\u00f3n de Derechos del Asegurado de una manera clara y f\u00e1cil de leer. Tras el impacto del <a href=\"https:\/\/kpattorney.com\/es\/personal-injury\/hurricane-damage\/\" target=\"_self\">hurac\u00e1n Ian<\/a>, es m\u00e1s importante que nunca que los propietarios en Florida comprendan sus derechos al presentar reclamos por da\u00f1os a la <a href=\"https:\/\/kpattorney.com\/es\/property-damage\/\" target=\"_self\">propiedad<\/a>.<\/p>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-11669 size-large\" src=\"https:\/\/kpattorney.com\/wp-content\/uploads\/2022\/12\/Homeowner-claim-bill-of-rights-infographic-Kanner-and-Pintaluga-674x1280.png\" alt=\"Declaraci\u00f3n de derechos del propietario\" width=\"674\" height=\"1280\" srcset=\"https:\/\/kpattorney.com\/wp-content\/uploads\/2022\/12\/Homeowner-claim-bill-of-rights-infographic-Kanner-and-Pintaluga-674x1280.png 674w, https:\/\/kpattorney.com\/wp-content\/uploads\/2022\/12\/Homeowner-claim-bill-of-rights-infographic-Kanner-and-Pintaluga-404x768.png 404w, https:\/\/kpattorney.com\/wp-content\/uploads\/2022\/12\/Homeowner-claim-bill-of-rights-infographic-Kanner-and-Pintaluga-168x320.png 168w\" sizes=\"(max-width:767px) 480px, 674px\" \/><\/p>\n<h2><strong>Tus derechos<\/strong><\/h2>\n<ol>\n<li>\n<h3><strong>Confirmaci\u00f3n de tu reclamo<\/strong><\/h3>\n<\/li>\n<\/ol>\n<p>Despu\u00e9s de presentar tu reclamo, tu compa\u00f1\u00eda de seguros tiene 14 d\u00edas para informarte que lo ha recibido. La ley no especifica c\u00f3mo debe hacerse esta confirmaci\u00f3n, por lo que puedes recibir la Declaraci\u00f3n de Derechos del Asegurado por correo o digitalmente.<\/p>\n<ol start=\"2\">\n<li>\n<h3><strong>Actualizaci\u00f3n del estado del reclamo en 30 d\u00edas<\/strong><\/h3>\n<\/li>\n<\/ol>\n<p class=\"translation-block\">Seg\u00fan la ley de Florida, las compa\u00f1\u00edas de seguros tienen 30 d\u00edas para decidir c\u00f3mo manejar tu reclamo. Para tomar una decisi\u00f3n, necesitan un documento llamado \"declaraci\u00f3n de prueba de p\u00e9rdida. <strong>Es tu responsabilidad completar este documento, el cual debe incluir:<\/strong><\/p>\n<ul>\n<li>Fecha y hora del incidente<\/li>\n<li>Tipo de incidente (robo, incendio, inundaci\u00f3n, etc.)<\/li>\n<li>Lista de los bienes da\u00f1ados, incluyendo partes de tu casa y objetos personales<\/li>\n<li>Tipo de da\u00f1o, como humo, <a href=\"https:\/\/kpattorney.com\/es\/property-damage\/water\/\">da\u00f1os por agua<\/a> y si los bienes y objetos son reparables o deben sustituirse<\/li>\n<li>Evidencia de las p\u00e9rdidas (fotos, videos, informe policial)<\/li>\n<li>Valor de reemplazo de los bienes si necesitan ser sustituidos<\/li>\n<li>Personas con inter\u00e9s financiero en la propiedad (por ejemplo, t\u00fa y tu prestamista hipotecario)<\/li>\n<\/ul>\n<p><strong>Una vez que la aseguradora reciba tu declaraci\u00f3n de prueba de p\u00e9rdida completa, tiene 30 d\u00edas para determinar si tu reclamo ser\u00e1:<\/strong><\/p>\n<ul>\n<li>Cubierto al 100 %<\/li>\n<li>Cubierto parcialmente<\/li>\n<li>Denegado<\/li>\n<li>Seguir\u00e1 bajo investigaci\u00f3n<\/li>\n<\/ul>\n<ol start=\"3\">\n<li>\n<h3><strong>Pago en un m\u00e1ximo de 90 d\u00edas<\/strong><\/h3>\n<\/li>\n<\/ol>\n<p>La ley de Florida establece que las aseguradoras tienen hasta 90 d\u00edas para emitir un pago despu\u00e9s de recibir tu declaraci\u00f3n de prueba de p\u00e9rdida.<\/p>\n<p><strong>Dentro de esos 90 d\u00edas, tienes derecho a recibir:<\/strong><\/p>\n<ul>\n<li>Pago total de tu reclamo<\/li>\n<li>Un pago parcial (si la aseguradora solo cubre parte de tus p\u00e9rdidas)<\/li>\n<li>Una negaci\u00f3n del reclamo (si tus p\u00e9rdidas no est\u00e1n cubiertas por la p\u00f3liza)<\/li>\n<\/ul>\n<ol start=\"4\">\n<li>\n<h3><strong>Intereses por pagos atrasados<\/strong><\/h3>\n<\/li>\n<\/ol>\n<p>Si la aseguradora aprueba tu reclamo, pero no recibes el pago dentro de los 90 d\u00edas posteriores a su presentaci\u00f3n, la compa\u00f1\u00eda de seguros deber\u00e1 pagarte intereses sobre el monto aprobado. Los intereses comienzan a acumularse desde la fecha en que presentaste el reclamo y terminan cuando recibes el pago.<\/p>\n<ol start=\"5\">\n<li>\n<h3><strong>Mediaci\u00f3n gratuita<\/strong><\/h3>\n<\/li>\n<\/ol>\n<p>Si deseas disputar tu reclamo, es decir, si t\u00fa y tu compa\u00f1\u00eda de seguros no pueden llegar a un acuerdo sobre si debes recibir un pago, podr\u00edas calificar para una mediaci\u00f3n gratuita para resolver el conflicto.<\/p>\n<p>Para saber si eres elegible para mediaci\u00f3n gratuita, comun\u00edcate con la <a href=\"https:\/\/www.myfloridacfo.com\/Division\/Consumers\/\">Departamento de Servicios Financieros de Florida<\/a><\/p>\n<p class=\"translation-block\">Tambi\u00e9n puedes consultar con un abogado de da\u00f1os a la propiedad o con un <a href=\"https:\/\/kpattorney.com\/es\/property-damage\/\" target=\"_self\">ajustador p\u00fablico para recibir asesor\u00eda<\/a>.<\/p>\n<ol start=\"6\">\n<li>\n<h3><strong>Evaluaci\u00f3n neutral de hundimientos<\/strong><\/h3>\n<\/li>\n<\/ol>\n<p class=\"translation-block\">Si tu reclamo est\u00e1 relacionado con da\u00f1os por un sumidero y tu p\u00f3liza los cubre, podr\u00edas calificar para el <a href=\"https:\/\/www.myfloridacfo.com\/division\/consumers\/mediation\/\" target=\"_self\">Programa de Evaluaci\u00f3n Neutral de Hundimientos<\/a>. Este programa, administrado por la Divisi\u00f3n de Servicios al Consumidor del DFS, proporciona una evaluaci\u00f3n imparcial de tu propiedad para determinar si el da\u00f1o fue causado por actividad de un sumidero.<\/p>\n<h2><strong>Tus responsabilidades<\/strong><\/h2>\n<ol>\n<li>\n<h3><strong>Comunicarte con tu aseguradora antes de hacer reparaciones<\/strong><\/h3>\n<\/li>\n<\/ol>\n<p>Debes presentar tu reclamo directamente con tu compa\u00f1\u00eda de seguros y comunicarte con ellos antes de firmar cualquier contrato para reparar tu casa. Algunas aseguradoras trabajan con compa\u00f1\u00edas espec\u00edficas de reparaci\u00f3n y solo cubrir\u00e1n trabajos realizados por contratistas con licencia y seguro.<\/p>\n<ol start=\"2\">\n<li>\n<h3><strong>Evitar da\u00f1os adicionales<\/strong><\/h3>\n<\/li>\n<\/ol>\n<p>Para evitar que los da\u00f1os empeoren, haz reparaciones de emergencia. Por ejemplo, si tu techo est\u00e1 da\u00f1ado y tiene filtraciones, podr\u00edas necesitar una lona para cubrir el \u00e1rea afectada. Guarda los materiales da\u00f1ados (si es posible) y conserva los recibos de compra de los suministros. No olvides tomar fotos del da\u00f1o antes y despu\u00e9s de la reparaci\u00f3n.<\/p>\n<ol start=\"3\">\n<li>\n<h3><strong>Leer con cuidado los contratos de reparaci\u00f3n<\/strong><\/h3>\n<\/li>\n<\/ol>\n<p>Lee bien cualquier contrato que te pida pagar por adelantado o que requiera una parte de tu pago del seguro.<\/p>\n<p>Las empresas leg\u00edtimas deben tener pol\u00edticas claras sobre c\u00f3mo manejar reparaciones cubiertas por el seguro. Pregunta a tu aseguradora si tienen una lista de contratistas aprobados en lugar de contratar a alguien sin verificar sus antecedentes.<\/p>\n<ol start=\"4\">\n<li>\n<h3><strong>Verificar la licencia del contratista<\/strong><\/h3>\n<\/li>\n<\/ol>\n<p class=\"translation-block\">La ley de Florida exige que verifiques que el contratista que vas a contratar tenga licencia para operar en el estado. Puedes hacerlo llamando al Departamento de Regulaci\u00f3n Comercial y Profesional de Florida al 850-487-1395 o <a href=\"https:\/\/www.myfloridalicense.com\/wl11.asp?mode=0&amp;SID=\" target=\"_self\">visitando su sitio web<\/a>.<\/p>\n<p>Tambi\u00e9n revisa si el contratista tiene quejas en su contra y solicita referencias de clientes anteriores.<\/p>\n<ol start=\"5\">\n<li>\n<h3><strong>Pedir prueba de seguro al contratista<\/strong><\/h3>\n<\/li>\n<\/ol>\n<p>Antes de que comiencen las reparaciones, solicita al contratista un certificado de seguro y aseg\u00farate de que la p\u00f3liza est\u00e9 activa e incluya:<\/p>\n<ul>\n<li>Seguro de responsabilidad civil en caso de que ocurra un problema durante la reparaci\u00f3n<\/li>\n<li>Compensaci\u00f3n laboral para sus empleados<\/li>\n<\/ul>\n<ol start=\"6\">\n<li>\n<h3><strong>Asegurar tu casa antes de irte<\/strong><\/h3>\n<\/li>\n<\/ol>\n<p>Si el da\u00f1o a tu propiedad es grave y necesitas quedarte en otro lugar mientras se realizan las reparaciones, aseg\u00farate de asegurar bien tu hogar cerrando con llave y apagando el agua, el gas y la electricidad.<\/p>\n<p>Asegurar su hogar es importante para evitar que ocurran m\u00e1s da\u00f1os.<\/p>\n<h4><strong>\u00bfNecesitas ayuda legal con tu reclamo de seguro en Florida?<\/strong><\/h4>\n<p>\u00bfTu compa\u00f1\u00eda de seguros ha subestimado o rechazado tu reclamo? Lidiar con ajustadores de seguros inflexibles y leyes de seguros complicadas puede ser dif\u00edcil.<\/p>\n<p class=\"translation-block\">Si crees que tu compa\u00f1\u00eda de seguros no te est\u00e1 tratando de manera justa, considera contactar a un <a href=\"https:\/\/kpattorney.com\/es\/about\/\" target=\"_self\">abogado de da\u00f1os a la propiedad con experiencia<\/a> que pueda ayudarte a maximizar tu reclamo.<\/p>","protected":false},"excerpt":{"rendered":"<p>Insurance companies are obligated to send Florida homeowners the state\u2019s \u201cClaims Bill of Rights\u201d when they file a property damage claim. This must be sent to<span class=\"excerpt-hellip\"> [\u2026]<\/span><\/p>\n","protected":false},"author":17,"featured_media":11670,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[213],"tags":[356],"class_list":["post-11668","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-step3"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Florida Homeowner Claims Bill of Rights<\/title>\n<meta name=\"description\" content=\"Insurance companies are obligated to send Florida homeowners the state\u2019s \u201cClaims Bill of Rights\u201d when they file a property damage claim. Learn more, here!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kpattorney.com\/es\/blog\/florida-homeowner-claims-bill-of-rights\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Florida Homeowner Claims Bill of Rights\" \/>\n<meta property=\"og:description\" content=\"Insurance companies are obligated to send Florida homeowners the state\u2019s \u201cClaims Bill of Rights\u201d when they file a property damage claim. Learn more, here!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/kpattorney.com\/es\/blog\/florida-homeowner-claims-bill-of-rights\/\" \/>\n<meta property=\"og:site_name\" content=\"Kanner &amp; Pintaluga\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/kpattorney\" \/>\n<meta property=\"article:published_time\" content=\"2022-09-03T18:10:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-04T17:29:39+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/kpattorney.com\/wp-content\/uploads\/2022\/12\/Homeowner-claim-bill-of-rights-Kanner-and-Pintaluga-min-scaled.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"2048\" \/>\n\t<meta property=\"og:image:height\" content=\"1365\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"bemler\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"bemler\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/kpattorney.com\\\/blog\\\/florida-homeowner-claims-bill-of-rights\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/kpattorney.com\\\/blog\\\/florida-homeowner-claims-bill-of-rights\\\/\"},\"author\":{\"name\":\"bemler\",\"@id\":\"https:\\\/\\\/kpattorney.com\\\/#\\\/schema\\\/person\\\/b1a6f9084bf4aef454382a953fb68efd\"},\"headline\":\"Florida Homeowner Claims Bill of Rights\",\"datePublished\":\"2022-09-03T18:10:09+00:00\",\"dateModified\":\"2025-11-04T17:29:39+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/kpattorney.com\\\/blog\\\/florida-homeowner-claims-bill-of-rights\\\/\"},\"wordCount\":1031,\"publisher\":{\"@id\":\"https:\\\/\\\/kpattorney.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/kpattorney.com\\\/blog\\\/florida-homeowner-claims-bill-of-rights\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/kpattorney.com\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/Homeowner-claim-bill-of-rights-Kanner-and-Pintaluga-min-scaled.jpeg\",\"keywords\":[\"step3\"],\"articleSection\":[\"Blog\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/kpattorney.com\\\/blog\\\/florida-homeowner-claims-bill-of-rights\\\/\",\"url\":\"https:\\\/\\\/kpattorney.com\\\/blog\\\/florida-homeowner-claims-bill-of-rights\\\/\",\"name\":\"Florida Homeowner Claims Bill of Rights\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/kpattorney.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/kpattorney.com\\\/blog\\\/florida-homeowner-claims-bill-of-rights\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/kpattorney.com\\\/blog\\\/florida-homeowner-claims-bill-of-rights\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/kpattorney.com\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/Homeowner-claim-bill-of-rights-Kanner-and-Pintaluga-min-scaled.jpeg\",\"datePublished\":\"2022-09-03T18:10:09+00:00\",\"dateModified\":\"2025-11-04T17:29:39+00:00\",\"description\":\"Insurance companies are obligated to send Florida homeowners the state\u2019s \u201cClaims Bill of Rights\u201d when they file a property damage claim. 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