Miami Property Collapse Claims
Ensuring Florida Property Owners Receive the Coverage They Deserve
The Property Advocates, P.A. is a Florida law firm that handles all types of property insurance matters, including collapse. Our Miami property collapse claims attorneys can help you review your policy to understand your coverage and your rights, assist with the claims filing process, and stand up to the insurance company if they attempt to wrongfully deny or undervalue your claim.
Our mission is to ensure Florida policyholders are not taken advantage of by insurance companies and receive the compensation they deserve. If you choose to hire our firm, we will always put your interests above both ours and your insurance company while tailoring your representation to your budget and needs. Every decision will be carefully explained and run by you first, so you’re always a valued part of the equation.
What Counts as “Collapse”?
In insurance terms, “collapse” means the abrupt falling or caving in of a structure or any part of a structure that prevents any part of it from being occupied for its intended purpose for a period of time. This means that your home, business, or other property doesn’t have to fall apart entirely, but typically the damage must be somewhat significant in order to receive coverage.
Insurance typically covers damage involving the collapse of some or all a building or caused only by one or more of the following:
- Faulty design, maintenance, or construction
- Hidden decay
- Insect or vermin damage
- Damage in the roof’s structure that affects its stability
- Use of defective materials or methods in building, remodeling, and/or renovation
- Weight of items, animals, or people
- Weight of rain collecting on a roof
You may also receive insurance coverage if:
- Conditions that lead to roof collapse were imminent or unavoidable
- The building has been abandoned or taken out of service because of the threat of roof collapse
- The condition of the roof threatens someone’s safety
- The conditions of the roof prevent you from living or conducting business on your property
- The roof had been damaged or impaired before the collapse
However, which coverage you will actually receive depends on the details of your insurance policy. The best way to ensure that you get the coverage you deserve is to carefully review your contract with your insurance company to verify that you have coverage and how to go about getting it.
We offer complimentary and confidential consultations to all prospective clients. Call (786) 686-5045 or contact us online to learn more during your free case evaluation. We speak English, Spanish, and Creole.
Giving notice of loss to your insurance provider is the first step in the claims process. However, we strongly advise consulting with an experienced insurance attorney in your area first, even if you decide not to work with our firm. Discussing your situation and policy with a lawyer will help you understand even the most complicated sections of your contract and what options you have. An attorney can also help you understand what to expect from the claims process to help you avoid any tricks or surprises. This can generally be done during a free and no-obligation consultation.
Though an attorney may not be necessary, working with one can drastically improve your odds of receiving a fair insurance settlement. Instead of dealing with the claims process yourself, your lawyer can handle it for you, ensuring that everything is done correctly and on time so that maximum compensation is available. If the insurance company exhibits bad faith and is uncooperative, we can file a lawsuit against them and even take them to court—whatever it takes to get them to uphold their end of the deal.
While it may be best to consult with an attorney before initiating an insurance claim at all, you can contact us at any point during the claims process to discuss your legal options—even if your claim has been denied. We can help you file an appeal!