Miami-Dade Homeowners Insurance Claims Lawyers in South Florida

Insurance for homeowners is designed to cover the costs of repairing or replacing a house and personal property that has been damaged or destroyed by events specified in the policy. These events, known as covered losses, include fire, lightning, smoke, explosion, theft, vandalism, riot, vehicles, aircraft, windstorms, hurricanes, sudden water damage, and accidental water damage. If you are contemplating or have already filed a homeowner’s insurance claim in South Florida, Our legal professionals is ready to provide assistance, and all consultations are free of charge.

Fire Damage

Miami-Dade Fire Damage Attorneys in South Florida

Fire damage claims typically fall into two categories: total loss and partial losses. A total loss claim applies when a home is completely destroyed by fire, while a partial loss claim pertains to instances where the home has only suffered partial damage. In the event of fire damage, complete or partial, it is crucial to:

  • Report the claim to your insurance company.
  • Make a written request to your insurance carrier for an advance on your fire damage insurance claim.
  • Find temporary housing.
  • Secure your property.
  • Photograph and/or video record the damage.
  • Create a list of all lost items.
  • Obtain repair/replacement estimates.
  • Collect and keep receipts for temporary living expenses.
  • Continue paying insurance premiums and mortgages.
  • Alert your adjuster to any health sensitivities, such as allergies or asthma.
  • Conduct a thorough inspection of your property, including the roof, structural elements, siding, windows, plumbing, heating systems, and interior walls/framing.

 

Hurricane Damage

Miami-Dade Hurricane Damage Attorneys in South Florida

Hurricanes can cause devastating and life-altering damage. Once the immediate danger has passed, filing a Hurricane Claim with your homeowner’s insurance becomes crucial. Florida homeowner’s insurance policies have specific provisions, exclusions, and limits related to hurricanes, including the implementation of a Hurricane Deductible, typically ranging from 2% to 15% of the home dwelling’s value.

Mold Damage

Miami-Dade Mold Damage Attorneys in South Florida

Mold damage is not only harmful to property but can also lead to serious health issues. If your home has suffered mold damage, follow these steps:

  • Report the claim to your insurance company.
  • Make a written request for an advance on your mold damage insurance claim.
  • Find temporary housing.
  • Photograph and/or video record the damage.
  • Obtain repair estimates.
  • Keep receipts for temporary living expenses.
  • Continue paying insurance premiums and mortgages.
  • Alert your adjuster to any health sensitivities related to mold.

Water Damage

Miami-Dade Water Damage Attorneys in South Florida

Water damage can be categorized into clean water, grey water, and black water. Clean water damage may result from a pipe break, grey water damage from a toilet overflow, and black water damage from sewage backup. In the case of water damage, it is essential to:

  • Report the claim to your insurance company.
  • Find temporary housing if the property is uninhabitable.
  • Secure your property.
  • Photograph and/or video record the damage.
  • Create a list of all lost items.
  • Obtain repair/replacement estimates.
  • Keep receipts for temporary living expenses if the property is uninhabitable.
  • Continue paying insurance premiums and mortgages.
  • Mitigate damages by hiring a water mitigation company.

Homeowner’s insurance claims are intricate and involve numerous nuances. If you have filed or are considering filing a homeowner’s insurance claim in South Florida, contact us now for potential assistance. All consultations are free of charge.

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