Hurricane insurance claims in Florida can be denied for a host of reasons, and in some cases, those denials are not warranted or were done in bad faith. This can be an extremely frustrating experience for homeowners. Understanding the common reasons for hurricane claim denials and what steps you should take if your claim is denied
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Property insurance policies are long and complex. Not too many people spend their free time reading through their coverage and policy clauses unless they’re faced with a situation that requires them to. But if you were to read through the fine print of your policy, you would see what’s called an appraisal clause. Hopefully, this
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Resolving insurance claim disputes can be a lengthy process, but there are legal protections in place to help ensure fairness. Even if the road feels long, it’s worth pursuing whatever path it takes to receive your rightful settlement for property damage. One such path to pursue if your claim is denied or underpaid is the appraisal process.
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By the time a hurricane makes landfall in Florida, there’s not a whole lot you can do to protect your property. Taking preventive measures to prepare your home and family for storm season is an essential step, but if a storm hits, your home will be left to the whims of the wind, water and storm surge.
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You have likely heard the term “appraisal” used when talking about a home or personal property’s value. For example, real estate is typically appraised when a property goes on the market, or you can have a piece of jewelry appraised to assess its current value. This is one way the term “appraisal” is used. When
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If there’s one thing Floridians have learned over the years it’s that we can’t get complacent with storm preparation. The threat of severe storms is always knocking on our doors, and that knock comes loudest during hurricane season. For those of us who have lived here most or all of our lives, we know hurricanes
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No matter how big or small the claim, hurricane damage to your property can be a major setback financially and emotionally. Not only are you trying to get your home and life back in order after the storm, but you’re also dealing with your insurance company. If, after all this, you discover your claim was
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After going through the entire insurance claim process, you might be feeling worn down and exhausted. It should be easy to recover funds for your property damage, but unfortunately, for too many Coloradans, it’s not. Now, say you go through that entire claims process only to find yourself staring at a check that contains insufficient
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When an insurance company fails to fulfill its obligations to the policyholder in a fair and reasonable manner, it may mean it is acting in bad faith. Louisiana Revised Statute § 22:1973 governs the practices insurance companies must follow regarding their good faith obligations. Specifically, insurance providers have a duty of good faith to adjust and pay claims
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Homeowners and their insurance companies are bound to each other by contractual commitments. Both you as the policyholder and your insurance provider must fulfill certain obligations as part of your relationship, like you paying your premium on time and your insurance company investigating any claims you may file. Most of the time both parties hold
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