Miami Denied Hailstorm Claims
Did Your Florida Insurance Claim Get Denied? Call Us to Help.
Hailstorms can cause serious damage to your windows, roof, backyard furniture, and more. Fortunately, most standard homeowners policies at least include hail damage to a roof as part of your property damage coverage. Unfortunately, occasionally insurance companies deny paying out such claims—even valid ones. So, what can you do when the insurance company you were relying on turns you down?
The Property Advocates, P.A. can help. At our firm, we focus exclusively on Florida insurance claims to ensure policyholders get the compensation and help they deserve from their providers. Our legal team in Coral Gables handles denied hailstorm claims on behalf of property owners whose homes and businesses have been damaged by hail. If your hailstorm claim has been denied, we can help you explore your legal options and attain fair and just compensation.
Contact us online or call (786) 686-5045 to discuss your case with an attorney during a free consultation.
Why Do I Need Hailstorm Coverage?
Hail may not be common in the Sunshine State, but that doesn’t mean you should forgo hailstorm coverage on your insurance policy. Because hail is so unexpected in Florida is exactly why it can be so devastating when it happens.
For instance, in 1996 hail as big as softballs were reported in Lake Wales. In 2007, a city called Kendrick reported hailstones up to four inches in diameter. Such hailstones can break windows, smash backyard furniture and plants, and damage roofs. With these cases in mind, we believe it is better to be safe than sorry.
Why Do Insurance Companies Deny Hailstorm Claims?
There are many reasons why insurance companies refuse to pay the full cost of repairing hail damage in Miami. Some insurers claim there is no hail damage, or that all the damage occurred before they started insuring the property. Some insurance companies hire engineers who say the damage isn't severe enough to be considered "real damage." Sometimes, insurance companies attempt to deny that there was a hailstorm at all, when neighboring houses were impacted and their insurers paid to replace their roofs.
What to Do If Your Hailstorm Claim Has Been Denied
Receiving a notice that your hailstorm damage in Miami has been denied can be disheartening. You may not feel like you have any more options, but you actually may be able to resolve the situation through legal action.
When an insurance company denies a Miami hail damage claim, they are required to provide you with a notice explaining their decision. Review the explanation you received in the mail to ensure you understand why they denied your claim.
Your claim may have been thrown out simply because you made a mistake filing the paperwork or something similar. If that’s the case, you may be able to try again by filing an appeal with your insurance company.
Did the Insurance Company Act in "Bad Faith"?
If you believe your claim has been wrongfully denied, the insurance company may have acted in “bad faith,” meaning that legally the insurance company should not have a reason to deny your claim. If this is the case, the law is on your side and you can even sue the insurance company for breach of contract.
By consulting with an attorney, you can determine whether the insurance company actually lawfully denied your claim. If they did not, you can appeal the denial and fight for compensation with an attorney’s help.
Why Choose The Property Advocates to Fight For You?
The team we have consists of nearly 30 attorneys who are compassionate, experienced, and dedicated to our clients. At our practice, you receive the service you would expect from a boutique firm. Our clients are always treated like family and receive the best care. Through the results we have achieved for our Miami, Florida clients over the years, we have also contributed to the growth and development of the housing industry.
In order to get the most out of their insurance coverage, homeowners need to understand what is covered and what is excluded. Let us help. We work together to ensure the best customer service and results for our clients.
Call (786) 686-5045 or contact us online to learn more during a free case evaluation. We speak English, Spanish, and Creole.
Why Choose Us?
Our Coral Gables legal team has decades of experience in the insurance and legal fields. We’ve all worked in the insurance industry, so we understand the ins and outs of how these companies operate. Our thorough understanding of the law allows us to use it to fight back against insurance companies who deny valid claims, especially those companies practicing bad faith. We are also trial-tested litigators who are not afraid to take even the largest and most well-known insurance companies to court if necessary.