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Tampa & Sarasota Attorneys > Tampa Homeowners’ Insurance Attorney

Tampa Homeowner’s Insurance Attorney

Professional Florida Homeowner’s Insurance Lawyers

When damage occurs to a home, either through weather events or as the result of unforeseen conditions, the homeowners’ insurance policy helps to protect them against any losses. Unfortunately, it is not uncommon for claims to be filed which overstate the actual amount of damages involved, or even how they occurred. At HD Law Partners, our litigation attorneys have over 40 years’ combined experience in handling all types of insurance claims that are typically filed in Florida, and can help unearth situations in which claims have been exaggerated, duplicated, disconnected, as well as those that are more rightfully the responsibility of another party. We work closely with insurers to thoroughly investigate each situation and review key policy provisions, helping your company avoid costly overpayments, contact our Tampa homeowner’s insurance attorneys today.

Homeowner’s Insurance Policy Coverage

Homeowner’s insurance policies are meant to protect against accidental or unforeseen damages that can occur. Under the guidelines established by the Florida Department of Financial Services (DFS), these policies generally cover the home itself, any additional structures, such as sheds or decks, and the contents of the home against the following types of perils which are commonly found in Florida:

  • Fires;
  • Flooding;
  • Wind and storm damage;
  • Sink holes or falling objects, such as tree branches;
  • Mold and water damage;
  • Structural defects;
  • Damages caused by vandalism, including arson.

In addition to the property damage coverage, policies often include liability coverage for any injuries suffered by guests on the property, such as slip and fall injuries. When there is damage to a property or an accident or injury occurs, the property is certain to face a claim, either from the homeowner themselves or from a third party.

Investigating Homeowner’s Insurance Claims

Under the Florida property insurance statutes, while many homeowners are not legally required to carry property insurance, many banks insist upon it according to the terms of their mortgage agreement. While this can help to protect the bank and the homeowner themselves against any losses, few people actually take the time to read their policy documents so that they know what is covered and what is not.

At HD Law Partners, our experienced Florida homeowner’s insurance lawyers take the time to thoroughly investigate each claim, helping to ensure overpayments are not made and attempts at deception or fraud are uncovered. In addition to handling first and third party claims, we also help recover monies paid in major subrogation suits, in which another party is found to have been liable for paying any damages that occurred.

Contact Our Tampa Homeowner’s Insurance Attorneys for Professional Assistance

For professional legal guidance and protection against overpaying homeowners’ insurance claims, contact HD Law Partners today. We provide experienced, comprehensive legal representation, offering a full range of investigative and litigation services to help defend clients against unfounded or overinflated claims. We protect your interests against fraud and deceptive practices, ensuring any payout amounts are both reasonable and legally necessary. Serving Tampa, Orlando, Sarasota, and the surrounding areas, our team can assist you today.

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