Before filing a property insurance claim in Florida, you want to make sure you’re prepared and understand the property insurance claims process. In a recent article on Insurance.com, ILG’s supervising attorney, Nicole Shacket, and other industry experts provide tips on “how to file a home insurance claim.“
When it comes to filing a roof damage claim in Florida, Shacket says “you have to show a covered peril caused the damage that allowed water to enter your home, such as a hail strike, roof tiles lifted in extreme winds, a tree branch falling, or a lightning strike.”
If a covered peril causes damage to your roof, “you can contact your insurance company and file a claim. Then, the insurer will send an adjuster to your property to inspect the damages. They may also request documentation, pictures, a recorded statement from you, an examination under oath, or a reinspection before they make repairs or replacements.”
Nicole also gave some insight on how long it takes for an insurer to pay a claim. Insurance companies are usually expected to pay or deny claims, which within 90 days of the date the loss was reported.
“This time limit can be extended if the insurer requests information allowed under the policy, such as a proof of loss, recorded statement or examination under oath. If 90 days have passed and your insurance company still hasn’t paid, your only recourse is to file a lawsuit. If you choose this option, the claim can be settled within weeks or it can take years.”
Read the full article here!
Every homeowner’s policy is different. To ensure you’re prepared for the next hurricane or major storm event, it’s critical for someone to review your policy who knows what to look for, so you can understand what you do and do not have coverage for. Contact us to get your FREE homeowners policy review from one of our experienced attorneys. Message us here
If you have experienced an insurance loss from a major storm, don’t be surprised if the insurance company’s first reaction is to claim that your damage is due to some pre-existing condition or assert that your claim is not covered under the terms of your policy or even cancel your policy based on recently-discovered “errors” in your application. But don’t worry.
At ILG, our experienced and aggressive attorneys in Florida take the time to analyze and interpret your policy and understand the full measure of damages available to you. We work with construction experts, restoration professionals and others to determine the facts.