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Orlando Property Damage Attorney
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Orlando Property Damage and Hurricane Lawyers
Orlando homeowners and residents who were around in 2004 remember August and September of that year. In a 30-day span, the city was impacted by Hurricane Charley, Hurricane Frances and Hurricane Jeanne to various degrees of severity. All three storms brought winds ranging from 70 mph to over 100 mph to parts of the Orlando metro area.
As a homeowner who has long had to pay the state’s extraordinarily high home insurance rates, you expect to be treated fairly by your insurer. What you don’t expect are delays, obfuscations and denials based on shoddy, rushed or inaccurate investigations performed by undertrained or rushed insurance adjusters.
Unfortunately, that’s exactly what many Orlando homeowners get when they file property damage claims. The team at Kanner & Pintaluga understands the frustration you may experience after filing a property damage claim because we’ve helped many people in your situation. If you believe you’re not being treated fairly, we’re here to help.
Types of Property Damage Claims in Florida:
- Hurricane and Wind Damage: Given Florida's susceptibility to hurricanes, many claims arise from damages due to strong winds, falling trees and flying debris.
- Water Damage: This can be due to flooding, especially in low-lying areas, plumbing failures or roof leaks. It's important to differentiate between sudden water damage (e.g., burst pipes) and gradual water damage (e.g., a slow leak), as insurance coverage may vary.
- Fire and Smoke Damage: Fires, whether due to electrical issues, lightning strikes or other causes, can lead to extensive interior and exterior damage. The residual smoke can also harm your furnishings and personal belongings.
- Theft or Vandalism: If your home is broken into, or willfully damaged, you can file a claim for the damages and the loss of personal property.
Is Mold a Covered Peril?
This is a complicated and confusing question for many homeowners in Florida. The short answer is no – mold in and of itself typically isn’t covered by homeownership. However, any mold that’s caused by a legitimate named peril should be covered. This means if you have a plumbing leak that’s covered by your policy and it leads to mold, mold remediation should be covered. The same is true for wind-blown rain during a hurricane or even water damage resulting from firefighting efforts.
If you believe your mold remediation should be covered but your claim is being denied, you may want to consult with a public adjuster or one of the property damage attorneys at our Orlando firm.
Common Mistakes Made by Insurance Companies During the Claims Process
Insurance companies, despite their promises, can sometimes make errors that jeopardize the rightful claims of policyholders. Common missteps include undervaluing the extent of damages, delaying claim processes unnecessarily, misinterpreting policy language or even outright denying legitimate claims without proper justification. It’s essential to be vigilant and recognize such errors, as they can greatly affect the compensation you receive.
The best defense to an unfair claim denial is often finding your own expert. At Kanner & Pintaluga, our property damage attorneys can look at your policy, compile evidence of damage to bolster your claim and negotiate with the insurance company on your behalf.
Your Rights as a Policy Holder
As a policyholder in Florida, it’s paramount to be aware of your rights. These include the right to receive a timely response to your claim’s status, the right to a written explanation for claim denials or offer changes and the right to challenge any decision made by the insurance company. Moreover, you’re entitled to an honest and transparent claims process. Any deviation from this standard by your insurer can be contested.
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Kanner & Pintaluga have recovered over 1 billion dollars and are experienced in working against insurance companies. Contact us for a free consultation, and let us provide you and your family with dedicated service and get you the compensation you deserve.
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Ways to Increase Your Claim's Chance for Success
- Document Everything: Take photos and videos of the damage, save repair bills and maintain a record of all correspondence with the insurance company.
- File Promptly: The sooner you file, the better. Delays can sometimes be construed as inconsistencies.
- Know Your Policy: Familiarize yourself with the nuances of your insurance policy, so you know what's covered.
- Seek Estimates: Get independent repair or replacement estimates to counteract any lowball offers.
- Communicate in Writing: Keeping written records of all interactions ensures transparency and accountability.
Should You Call a Property Damage Lawyer or Public Adjuster?
While both property damage lawyers and public adjusters can assist in maximizing your claim, their roles differ considerably. Public adjusters evaluate the extent of property damage and help file claims, increasing the chance your claim covers the totality of the damage your property suffered. A public adjuster can also perform their own investigation of the damage event to clearly establish a connection between the peril and the damage. They usually work on a commission basis, taking a percentage of the claim payout.
On the other hand, property damage lawyers step in when disputes arise. If your claim is wrongfully denied or if you believe you’re being offered less than you deserve, an attorney can represent you in negotiations or even in court. They work on a contingency basis, meaning they only get paid if you win your case.
In essence, if your claim is straightforward, a public adjuster might suffice. But for more complex situations, especially where legal disputes emerge, hiring a property damage lawyer is often advisable.
Get Help With Your Orlando Property Damage Claim
Dealing with property damage claims in Florida can be aggravating, especially if the insurance company isn’t handling your claim fairly. If you believe the insurance company made a mistake when estimating your damage or they misidentified the source of your damage and denied your claim, it may be time to seek assistance. Our Orlando property damage attorneys are here to fight for you. Call us at 800.586.5555 for a free claim evaluation.
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Orlando Location
Orlando
1000 Legion Place, Suite 100
Orlando, FL 32801
(800) 586-5555
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Get Help with Your Florida Property Damage Claim
Navigating a significant property damage claim can be complex, but you don't have to face it alone. Our experienced Miami personal injury law firm is here to help you fight for the compensation you deserve. We’ll work tirelessly to restore your property and your peace of mind.
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