If your property has been damaged in the Palm Harbor area, you may be feeling uncertain about what steps to take next. Filing a claim for damages or trying to negotiate with insurance companies can seem daunting without help from a professional—but that’s where a qualified property damage lawyer comes in. An experienced attorney can guide you through the legal process and ensure that you get just compensation for your losses. This blog post will explain why hiring an attorney is so important.
If you are dealing with property damage in the Palm Harbor area, contact Herman & Wells law firm and let our experienced attorneys guide you through the legal process. Our team of professionals have extensive knowledge of Florida law and a wealth of resources to provide you with the best path forward in pursuing your claim for maximum financial compensation. Get in touch with us by calling (727) 821-3195 today!
The Cliff Notes: Key Takeaways From This Page
- Property damage claims are often denied or undervalued due to natural disasters, water damage, wind damage, theft or vandalism, and mold and mildew damage.
- Property owners in Palm Harbor, Florida should thoroughly read through their insurance policy to understand what types of damages are excluded from coverage.
- If the damages caused by a natural disaster exceed the maximum amount of coverage specified in your policy, any additional costs will not be reimbursed.
- You can sue your insurance company for denying a property damage claim, but it is advised to consult an experienced property damage attorney before doing so.
- At Herman & Wells, our experienced attorneys are here to help you if your property damage claim has been denied or undervalued. Contact us today for a free claim review.
How Property Damage Claims Work In Palm Harbor
Damage caused by natural disasters such as hurricanes or severe storms can be legally recovered through an insurance claim. To maximize the financial compensation awarded to you, it is best to hire a property damage lawyer with expertise and resources to assess the extent of damages incurred on both personal and business properties throughout Palm Harbor.
Can’t Believe Your Insurance Company’s Decision? What Should You Do?
If you are not satisfied with the decision of your insurance company regarding property damage in Palm Harbor, Florida, it is important to take action. There are a few steps you can take to challenge the decision and get the compensation you deserve for any losses incurred.
First, contact an experienced property damage lawyer who can assess the extent of damages on both personal and business properties throughout Palm Harbor. With their knowledge and resources they can provide guidance as to whether or not it may be necessary to pursue legal action against your insurance provider.
Additionally, researching similar cases that have been successfully litigated will help inform your decisions about what course of action is best taken in order to seek maximum financial compensation for your damages. Finally, having all relevant documentation readily available when discussing potential legal options with a qualified attorney will expedite the process significantly.
By following these steps, you could better equip yourself with tools necessary for challenging an unfavorable outcome from your insurance company’s decision concerning property damage in Palm Harbor.
When Do You Need A Property Damage Lawyer?
When it comes to recovering from property damage caused by a natural disaster in Palm Harbor, Florida, it is best to hire a property damage lawyer as soon as possible. By taking quick action, you can ensure that your case is given the attention it deserves and will have the best chance of maximizing your financial compensation.
Additionally, having a lawyer represent you in court proceedings or negotiations with insurance companies can be beneficial for avoiding costly mistakes. Whether it is an overlooked detail about Florida law or just navigating through hours of paperwork, having experienced legal representation could be paramount in achieving the best possible outcome.
What Types Of Property Damage Are Covered Under A Standard Homeowners Policy In Palm Harbor?
Most standard homeowner’s policies include coverage for damage to buildings and personal property due to events such as fires, hurricanes, or other disasters. However, the specifics of any given policy can vary substantially from one insurance carrier to another so it is important to thoroughly read through your policy in order to know what types of damages are covered.
The Most Common Reasons Palm Harbor Property Damage Claims Get Denied
When filing a property damage claim in Palm Harbor, Florida, there are certain scenarios that may lead to your insurance company denying the claim:
Improper Filing Of The Claim
The most common reasons for a property damage claim to be denied is due to improper filing of the claim. In order to ensure that your claim is properly filed and approved, it is important to follow all guidelines set forth by the insurance provider when filing a claim.
Another common reason for a property damage claim to be denied is due to insufficient evidence. In order to have your claim approved, it is important to provide all necessary documentation that backs up your losses such as photographs, receipts, or any other relevant material.
Exclusions In The Policy
Claims can be denied due to exclusions in the policy. It is important to thoroughly read through your insurance policy to understand what types of damages are excluded and not covered by the policy.
Natural Disasters Exceeding Policy Limits
Finally, claims can be denied due to natural disasters exceeding the policy limits. If the damages caused by a natural disaster exceed the maximum amount of coverage specified in your policy, any additional costs will not be reimbursed.
The Most Common Causes Of Property Damage Claims In Palm Harbor
The most common causes of property damage claims for homeowners in Palm Harbor, Florida are:
The most common cause of property damage claims in Palm Harbor is due to natural disasters such as hurricanes, floods, tornadoes, or wildfires.
Wind damage can be caused by strong storms and hurricanes, resulting in damage to roofs, windows, fences, chimneys, and other structures.
Theft Or Vandalism
Theft or vandalism can also lead to property damage claims as a result of broken locks or windows.
Mold And Mildew Damage
Moisture buildup in the home can cause mold and mildew growth, resulting in damage to walls, ceilings, and other surfaces.
Can You Sue Your Insurance Company For Denying A Property Damage Claim?
Yes, you can sue your insurance company for denying a property damage claim in Palm Harbor, Florida. However, it is important to note that winning this type of lawsuit is more complicated than other legal disputes because the burden of proof lies with the policyholder. Therefore, it is highly advised that you consult an experienced property damage attorney before taking any action.
How Can Our Palm Harbor Property Damage Lawyers Help You?
At Herman & Wells, our experienced property damage attorneys are here to help you if your property damage claim has been denied or undervalued. Our attorneys understand the complexities of filing a successful property damage claim and can provide you with the legal advice needed to ensure that your rights are protected throughout the entire process.
How Much Does It Cost To Hire A Property Damage Attorney?
Most property damage lawyers charge an average fee for their services. At Herman & Wells, we work on a contingency fee basis, which means that you don’t have to pay us unless we win your case.
Book A Free Claim Review With Our Palm Harbor Property Damage Lawyers
If your property damage claim was denied or undervalued, our experienced attorneys are here to help. We understand the complexities of filing a successful property damage claim and can provide you with the legal advice needed to ensure that your rights are protected. Schedule a free consultation today to discuss your case with one of our Palm Harbor property damage lawyers. Call Herman & Wells today for a free consultation to get started!
Case ResultsSee More Case Results
Shifflet v. Citizens Insurance
Citizens denied our client’s claim, saying that it didn’t have to pay because the damage was caused by decaying organic soil. We filed suit and, after a week-long jury trial, the jury found for our client.
Underpaid Fire Loss
Our client’s home was burned in an accidental fire. The insurance company delayed paying and, when it finally paid, didn’t pay enough to replace the home. We fought for additional living expense, building coverage, lost rental income, and other available coverage. After going through an appraisal and then filing a lawsuit, we were able to recover over $450,000 from the insurance company.