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Home > Practice Areas > Residential Home Owners

Helping Residential Homeowners Deal with their Insurer when Disaster Strikes

As a homeowner, you likely purchased an HO-3 “all risks” or “open perils” insurance policy to cover your home, including your real property and personal belongings. This type of policy generally insures your home against loss from all causes except those which are specifically excluded in the policy. While this may sound like great coverage, it is typically the minimum coverage required by your mortgage lender, and there are many ways the insurer may find to deny coverage or downplay benefits in the event of a loss. Fortunately, you are not alone. When you suffer damage to your property, the attorneys at Insurance Litigation Group can advise and represent you in any dispute in Florida where the insurer is not paying what it should.

Insurance carriers have myriad ways to deny your claim or limit your benefits.

In the event that your home is damaged or destroyed by a hurricane or severe storm, fire, water or mold damage or other event, don’t be surprised if the insurance company’s first reaction is to respond in one of the following ways:

  • Claim that your damage is due to some pre-existing condition
  • Assert that your claim is not covered under the terms of your policy
  • Offer you a low settlement amount that does not cover your losses
  • Allege that your claim is fraudulent, or that you did not keep up with your premium payments
  • Fail to investigate or respond to your claim
  • Cancel your policy based on recently-discovered “errors” in your application

Don’t worry. Experienced and aggressive attorneys are on your side.

The attorneys at Insurance Litigation Group understand that you can’t afford to wait around while the insurer engages in its delaying tactics. ILG is focused on achieving rapid results and engages in aggressive litigation for fast settlement or conclusion at trial where necessary. We are with you from the very start, explaining the terms of your policy and walking you through the claims process. Our attorneys and investigators will gather evidence of the damage, review the insurance adjuster’s report, file your claim or proof of loss statement, represent you at any examination under oath, and advocate on your behalf in any litigation necessary to see that you get the benefits you are entitled to.

Call Insurance Litigation Group for a Rapid Response and Effective Results

Our fees are typically paid by the insurance company, and we can work on a contingency fee basis so you never pay a fee unless we recover for you. Call 786-529-0090 for a free consultation, and experience the benefits of having a team of experienced insurance law attorneys and former public adjusters dedicated to standing up for your rights and helping you get fast, full reimbursement on your covered loss.

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