WHAT TO KNOW ABOUT PROPERTY INSURANCE CLAIMS
Our homes are more than just four walls and a roof; they're the places where we make our memories. When something goes wrong, and you need to file a residential property insurance claim, you want to be confident that your claim is in good hands. Murray Law Group is a leading law firm specializing in helping homeowners navigate the confusing world of residential property insurance claims.
With decades of experience, our skilled attorneys work tirelessly to ensure our clients receive the maximum compensation they deserve for their insurance claims. Whether it's a natural disaster, theft, or accidental damage, Murray Law Group is here as your trusted partner through every step of the insurance claim process.
BENEFITS OF CHOOSING MURRAY LAW GROUP FOR YOUR RESIDENTIAL PROPERTY INSURANCE CLAIM:
- Expert Legal Representation - Our experienced attorneys have an in-depth understanding of insurance laws, regulations, and policies, ensuring the best possible outcome for your claim.
- Timely Assistance - We understand the urgency of resolving insurance claims. Our team swiftly investigates and assesses your specific situation and works diligently to secure your financial recovery.
- Transparent, Efficient Communication - Open communication is essential for a successful claim process. We keep you informed at every stage of the claim process, making sure you understand the progress and expected outcome.
- Negotiation and Litigation Expertise - Our attorneys are skilled in negotiation and litigation, ready to fight for your rights when insurance companies attempt to undervalue or deny your residential property claim.
- No Out-of-Pocket Attorney Fees or Cost - We work on a contingency fee basis, which means you only pay us if we successfully recover your insurance claim.
TYPES OF PROPERTY INSURANCE CLAIMS
Our attorneys are experienced in handling all types of property damage claims, including but not limited to:
- Fire Losses
- Water & Mold Damage
- Hurricane Losses
- Hail and Roof Claim
- Tornado and Storm Claims
- Vehicle Impact Claims
- Pipe Breaks
- Sinkhole Claims
- Flood Damage
- Construction Defects
HOW MURRAY LAW GROUP CAN HELP
- Claim Evaluation and Analysis - We thoroughly review your insurance policy, any applicable endorsements, and the details of your claim, offering expert advice on the best course of action for you.
- Claim Preparation: - Our team assists with the necessary documentation, evidence collection, and presentation required for a claim submission with your insurance company.
- Claim Negotiation - We negotiate with insurance companies on your behalf, ensuring you receive fair and just compensation in a timely fashion.
- Litigation - If the insurance company denies your claim or offers an unfair settlement, our attorneys are ready to take legal action and fight for your rightful compensation in court.
- Post-settlement Support - Our commitment to our clients goes beyond the settlement. We help you with any post-settlement issues that may arise to ensure your insurance claim experience is smooth and hassle-free and you get on the road to recovery.
OUR SPECIALIZED APPROACH
At Murray Law Group, we understand that property insurance coverage disputes are often complex and fact-specific. Each claim requires a thorough investigation, expert analysis, and strategic planning. Our dedicated team of trial lawyers is committed to ensuring that you receive a fair and just result.
EXPERIENCE THAT MATTERS
Our firm takes pride in our long-standing track record of successfully litigating property insurance disputes. With over 50 years of combined experience in handling property insurance claims, our attorneys possess the knowledge and resources necessary to navigate this challenging legal landscape. We are dedicated to ensuring that our clients receive the justice they deserve and the maximum amount owed under their insurance policy.
OUR COMMITMENT TO YOU
While we always strive to negotiate fair resolutions for our clients, we understand that some cases may require a legal battle. At Murray Law Group, our trial lawyers possess the skills and expertise required to vigorously represent your best interests and protect your rights. We are devoted to securing equitable outcomes in property coverage disputes.
INNOVATIVE SOLUTIONS FOR PROPERTY DISPUTES
Murray Law Group believes in staying on the cutting edge of technology and legal developments to better serve our clients. We leverage the latest advancements in the legal and insurance sectors to provide innovative and efficient solutions tailored to the unique needs of each case.
Creating Positive Outcomes
Residential Property Insurance Claim FAQs
Despite accepting premiums and issuing policies, it is not uncommon for insurance companies in Florida to deny coverage for claims. There are different reasons an insurance company may give for denying your claim, some may be valid while others are not. An insurance company may be engaging in bad faith insurance practices when denying valid claims — especially if they are denying claims in an effort to increase profits to the detriment of their policyholders.
Below is a list of reasons your insurance company may give you for denying your claim:
- The claim was not reported in a timely manner
- The property is underinsured
- Insufficient evidence to support payments
- Lack of documentation provided
- Sources of water damage not covered (e.g., sewage backups, flooding)
- Illegal activity or fraud
- Unpermitted work on the property
- Pre-existing damage or wear and tear
- Policy exclusions limiting coverage
- Unpaid policy premiums
Although you may not have the ability to stop an insurance company from denying your claim outright, you can take steps to minimize the chances of a claim denial if you do the following:
- File a claim right after the incident
- Request a copy of your policy
- Comply with the duties after loss section of the policy
- Provide the documents and records requested
- Take steps to protect the property and mitigate damage
- Pay your premiums on time
- Keep records of all repair costs and expenses incurred
- Know what your policy covers and excludes
- Engage professionals to represent your interests
Insurance claims are often undervalued and underpaid by the insurance company. Insurance companies and adjusters are not interested in paying out settlements timely and properly. The insurance company wants to keep payouts low and premiums high to improve its profit margin.
Signs your claim may have been underpaid include:
- Insurance Company’s Estimate Seems Too Low: If you feel that the estimate is too low, trust your gut and intuition. More often than not, if you suspect the estimate is too low, then it probably is.
- Adjuster Rushed the Property Inspection: By law, the adjuster must inspect your damaged property and issue a damage estimate within 60 days of the loss. Many adjusters rush through the inspection and do not do a thorough investigation, thereby creating an estimate of repair costs that is artificially low. This is called a low-ball estimate. Whether the adjuster is careless or has bad faith intentions, it can leave you with a lower settlement offer than you need.
- Damage Was Overlooked or Not Accounted For: Review the insurance estimate and the adjuster documents carefully to ensure all damage and repair costs are identified. If damage has been overlooked or not accounted for in the estimate or documents, you need to take action. Failure to act could result in the underpayment of your claim.
- Part of Your Claim Was Denied: If any part of your claim was denied, then your claim may be undervalued. Often the insurance company will deny part of your claim to save money. If your property damage claim has been partially denied, it’s not the end of the claim. The claim can be reopened.
- Offered the Actual Cash Value Instead of Replacement Costs: Your insurance company may also offer to pay the actual cash value instead of the full cost required to replace or repair the property. Depending on your claim and your insurance policy, the insurance company may be underpaying your claim intentionally to save money.
- Wear & Tear or Old Damages: If your insurance company states that the damages are old or are from wear and tear, this may be a sign they are trying to underpay the repairs. If the insurance company did not ask you to make repairs to your property prior to issuing or renewing the insurance policy, and after a claim states damages are from wear and tear or are old damages, it’s a sign they’re intentionally trying to underpay your claim.
- Told You Do Not Need an Attorney or a Public Adjuster: If you are told you don’t need an attorney or a public adjuster on your claim, then you should call one and ask for a free claims review. Most attorneys or public adjusters will perform a free claim review to ensure you are being treated properly under your insurance policy.
- Advised their there is a Lack of Coverage or a Gap in Coverage: Another sign that your insurance company has undervalued your property damage claim is when you have been advised about a lack of coverage or a gap in coverage under your insurance policy. If your insurance company says there is no coverage for certain types of damages or losses, always get a second opinion.
Several factors are essential in selecting an insurance claim attorney. When choosing an attorney, hire someone who has experience and a good reputation in the legal community. Read online reviews to see what other clients are saying about the attorney’s services. Consider the experience and expertise of the attorney handling the claim and how many trials and/or arbitrations the attorney has handled. All these factors are crucial. Choose an attorney only after careful consideration and after speaking with the actual attorney who will be assisting you.
Murray Law Group attorneys work most insurance claim cases on a contingency fee basis. This means there is no payment owed for attorney’s fees or costs to you unless we win your case. We will hire industry experts and engage the professionals necessary to build the most convincing case for you. Murray Law Group understands that in-depth expert analyses can make or break your insurance claim and that is why we work with the best in the industry.
CONTACT MURRAY LAW GROUP TODAY FOR A FREE CONSULTATION
Reach out to our office today to speak with one of our expert fire damage claim attorneys. The attorney will provide a free assessment of what your claim is worth quickly and effectively. Contact Murray Law Group by calling 1-855-269-4317 today for a free consultation with an experienced Florida fire insurance claim attorney.