WHEN A TORNADO STRIKES, WE HELP YOU RECOVER
Dealing with the aftermath of a tornado can be a challenging situation. Murray Law Group is here to ensure you're not left to fend for yourself against your insurance company. We are a law firm that specializes in insurance claims and are here to support you when your insurance company will not. Our dedicated and experienced team is committed to ensuring you receive the compensation you deserve when facing denied, delayed, or an underpaid claim.
NAVIGATING THE PATH TO RECOVERY
If a tornado has damaged your property, first, gain an understanding of your rights under Florida law and your insurance policy. Our attorneys have years of experience successfully prosecuting insurance companies who do not honor their promises. As part of the process, we hire all the necessary experts, from structural engineers to building contractors, to establish a solid claim basis.
We help you determine the coverage available under your policy, advise you on the terms and conditions you must comply with in order to preserve your right to insurance benefits and evaluate the benefits owed to you. We work to hold your insurance company accountable if it does not provide you the coverage you paid for when you purchased the insurance policy.
WHAT TO DO IF A TORNADO HAS DAMAGED YOUR PROPERTY
- Immediately report the claim to your insurance company.
- Take steps to protect your property from further damage.
- Document all existing damage with photos and videos.
- Create a written inventory of all damaged contents.
- Keep a file for any documents or information you receive regarding your claim.
- Make and keep copies of all documents sent to you by your insurance company.
- Save all receipts for expenses related to the damage and repairs.
- Keep a written log or journal of all communications with your insurance company or adjuster.
- Consider hiring a professional to assist you in the complicated claim process.
WHY CHOOSE MURRAY LAW GROUP?
Our Florida property insurance lawyers have handled thousands insurance claim cases all over the state for more than 50 combined years. We are not a general, “do all” law firm, but rather a law firm that specializes in property insurance claims. Our experience in property insurance law empowers us to successfully resolve our clients’ disputed coverage and valuation claims.
If you are fighting your insurance company for fair compensation, you’ll need lawyers who know how to read your policy and offer you accurate advice to be successful in your claim or coverage dispute.
We know that our clients face enormous financial hardships because of these storms. That is why we accept many cases on a contingency-fee basis. With these cases, we charge the client nothing — no costs or fees — unless and until we recover compensation for a denied or disputed insurance claim.
Whether you are getting ready to make your claim or have already reported your claim, contacting Murray Law Group could help you get what is rightfully yours and prevent you from accepting less than what you are owed for all your claim.
Creating Positive Outcomes
TORNADO 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
At the end of the day, you're not alone in the aftermath of a tornado. Murray Law Group is ready to stand beside you, advocate for your rights, and fight to ensure you receive the full benefits you're owed under your insurance policy. Don't wait until its too late; get the representation you deserve today. Call us today at 813-567-5600 for a free consultation.