Insurance Claims/Property Damage

Ensuring You Receive Proper Compensation for Hurricane Damage

If your home or business was damaged by Hurricane Michael and your own insurance company is refusing to pay you an amount of money that fairly represents the actual cost to repair your home or replace the valuable furnishings and other personal property damaged by the storm or then you need our legal help.

Most insurance companies' business models are simple – to collect premiums and either deny coverage outright or grossly under-value and underpay a claim when one is finally made. When you faithfully pay your premiums year after year you’re entitled to expect your insurance company to be there for you when you finally need them. You expect them to keep their end of the bargain. You do not expect them to look for loopholes or obscure policy language to deny your claim. It is bad enough when catastrophe strikes. Neither the storm nor the damage were your fault and you wholeheartedly wish it never happened.

Sure, they all promise to be there for you when they want your business but, often times, when you finally need them, they become your adversary, not your ally. If you let them, your insurance company will take full advantage of you and unfortunately most people do. This is understandable because when catastrophe strikes all you want is your life back to normal as soon as possible. You want to get back to living, working, paying your bills, and taking care of your family. Insurance companies know you are desperate for money and they will often exploit your desperation by trying to get you to accept whatever "low ball" amount of money they offer.

That’s where we come in. We get in between you and your insurance company to ensure that they do the right thing and pay you what your property damage claim is worth.

Ensuring Your Property Is Inspected Properly

We hire experts like independent adjusters, licensed home inspectors and general contractors. These experts are needed for at least two reasons. First they are neutral and independent – they do not work for the insurance company. Second, they have the knowledge and expertise to determine the full extent of the damage – including what may not even be visible – behind the walls, floors and ceilings. Water damage, in particular, from damaged and leaking roofs or flooding must be thoroughly inspected and fully removed before black and toxic mold sets in turning your home into a carcinogenic death trap for you, your children and grandchildren.

The Law: The law requires that insurance companies promptly inspect, evaluate, adjust and pay claims in good faith. They are obligated by law to pay you a reasonable amount of money for any covered loss and to do so in a timely manner. Because the law recognizes that insurance companies have a lot more power and resources than you the policy holder, if they refuse to negotiate and settle claims in good faith, the law requires them to pay your legal fees and costs if you prevail against them in court.

We Don't Get Paid Unless We Recover For You

Our fees -- The best part of what we do is we do not get paid unless we recover money from the insurance company that you would not have otherwise been paid. That is, we either take a small percentage (usually 25%) of the total amount we recover from the insurance company on your behalf, if we are able to recover that money and settle your case without having to file a lawsuit. If, however, the insurance company refuses to deal fairly with us and refuses to pay an amount that is reasonable for the total loss, then we file a lawsuit against them in court and our fees are paid separately by the insurance company – meaning our fees do not come out of the gross settlement or your share of it. From our experience we can confidently say that in the vast majority of cases, the net amount you receive, even after attorneys fees are deducted, is much more than the insurance company was offering to pay you before we got involved.

Contact us to discuss your Hurricane Damage Claim today.