Sarasota Homeowner’s Insurance Attorney
Home property damage is often incredibly expensive. The median cost of damage that an Atlantic hurricane causes when it hits land is $1.8 billion, according to AccuWeather. Larger storms, such as Katrina cost well over $100 billion. With so many coastal miles, Florida often suffers more economic damage than any other state during hurricane season. Many insurance claims are truthful, while some are not. The home and property damage caused by hurricanes, flooding, fire, mold, catastrophic ground cover collapse, and every other type of catastrophic event often gets overestimated by the policyholder or contractor when filed with an insurance provider. Sometimes the cause itself of the property damage is not accurate either. In both cases, the HD Law Partners insurance attorneys help to investigate the true nature of the claim to bring it to its most realistic level so that you can avoid unnecessary overpayments. We have over 40 years of combined experience with all types of insurance claims in Florida. Our Sarasota homeowner’s insurance attorneys have seen it all, from duplicated claims to exaggerated claims, to damage that was the fault of a third party. Contact us today for immediate assistance.
General Coverage of Homeowners Insurance Policy
The Florida Department of Financial Services (DFS) holds insurance companies responsible for covering unforeseen damage to the policyholder’s home, property within the home, and usually add-on structures including decks and sheds. Common types of home damage in Sarasota are covered by most insurance policies, and include:
- Fires due to lighting, electrical malfunction, arson, and other causes;
- Wind and storm damage due to hurricane, tropical storm, or tornado;
- Sinkhole damage is not required by Florida state law, but generally comes as an additional coverage option, according to the Florida Department of Financial Services.
- Catastrophic ground cover collapse;
- Falling objects, such as tree branches or telephone poles;
- Water damage;
- Structural defects; and
- Damages caused by vandalism.
The Policyholder’s Responsibilities and Our Thorough Investigation of Each Claim
The policyholder is bound to certain duties in the event of home property damage. Firstly, they must take adequate steps to ensure that further damage is minimized. In the event of roof damage, they should act quickly to hire contract help to fix the damage and prevent further water and other element damage to the interior. Secondly, the policyholder must quickly report the damage to their insurance provider. They must also fill out a proof of damages document in a timely fashion, accurately and prudently. We conduct further thorough investigations for all claims so that our clients do not overpay or fall victim to insurance fraud. Insurers lose billions annually to fraud, deceptive schemes, and overpayments. In addition to third and first party claims, our law office also handles subrogation suits.
Contact an Experienced Sarasota Homeowners Insurance Attorney Today
We offer professional and experienced legal assistance to insurance providers wishing uncover fraudulent claims and overpayments. The HD Law Partners offer thorough investigative assistance as well as litigation services. Contact our Sarasota Homeowner’s Insurance Attorneys today for immediate assistance.