Natural disasters like fire, hurricanes, and tornados can hit a property anytime, leading to massive losses. Even when insured, filing a property claim in Florida can be very frustrating. Unfortunately, most insurance companies are more interested in making profits than helping the policyholder. They can deny a valid claim, offer an unreasonably low payment, and delay the settlement. Hiring a property claims lawyer is the best way to go about it. Here is a guide on how to present your property claim.
Inform the Authority of the Disaster
Inform your local authority immediately if you experience property damage. The police will give you a first information report number that you will use to validate your claims.
Call Your Insurer
Next, call your insurance company to report the damage. Write down the name and the job title of the agent you speak to, and record the conversation if possible. Give them details like your name, address, phone number, policy number, and the actual date and time of your loss. Follow this up with a letter confirming that you reported a claim.
Document Your Losses
Assess the extent of the damage. Prepare a list of the damaged items and the type of damage sustained. You can even attach a purchase receipt of the damaged items if possible. Take photos and videos of the damaged property, keep copies and share this with the insurance representative.
Receive the Insurance Company’s Surveyor
The insurance company will send an official to inspect your property and assess the damage. Be very honest when explaining the events that occurred during the accident. Work with them to calculate the value of the damaged items and the estimated repair cost.
Fill in the Claim Application Form
Read the agreement to understand the terms and the time limit to file a claim. Fill in the claim form and present documents validating property ownership, a list of repair or replacement requirements, injured persons’ treatment reports, and lease agreements to file a property claim in Florida.
If you incurred extra expenses like accommodation due to a damaged house, include the costs for your stay, meals, and other essentials. After approving your claim, the insurer should pay for repairs to your property and replace damaged items.
Hire an Attorney
Contact a property claims lawyer to get legal advice as soon as your property sustains damage. In case of property damage on a commercial property that disrupts productivity, hire an attorney to represent you. Work with a lawyer if you feel dissatisfied with the claim settlement or if the process seems somewhat difficult. A legal professional will also help you out if you don’t agree with the insurance company’s compensation or if the insurer denies your claim without a reasonable cause.
If you need help with an insurance claim, get in touch with Cameron Law Group. We will connect you with the best property claims lawyer in Tamarac, who will ensure you get full compensation. Contact us for free consultation.