Miami Roof Leak Claim Attorneys
Protecting Property Owners from Insurance Bad Faith
Does your property have a leaky roof? Your homeowners insurance policy probably won't cover leaks caused by wear and tear or negligence due to poor maintenance, but you should be eligible for coverage in most other cases.
Unfortunately, even when your policy does cover certain types of damage, filing an insurance claim and receiving fair compensation can be far from straightforward. In some cases, insurance companies may even undervalue or deny your claim on purpose with the goal of protecting their own bottom line.
Place Strong Representation on Your Case!
The Property Advocates, P.A. can help you through every stage of the claims process to prevent you from falling victim to detrimental mistakes or insurance bad faith. Our Miami property insurance law firm assists regular Florida property owners like you with roof leak claims throughout the Miami area.
Whether you have just discovered a leak and are wondering what to do or have already had to deal with a frustrating claims adjuster, we can help you make the most of your insurance claim.
Does Home Insurance Cover Roof Leaks?
Typically, homeowner's insurance covers roof leaks, but only if they occur accidentally or after certain events that may cause damage (also known as "perils"). Examples of perils include storms, strong winds, fire, or hail. There’s a good chance then that your policy covers roof leaks caused by a tree knocked over by a windstorm, for instance. Other leaks caused by poor maintenance are not usually covered by home insurance. Always check your policy to be sure about what exactly is covered.
However, every policy is different. If you’re not sure what your policy entails, look it over—including the fine print. A lawyer experienced in insurance matters can help you go over your policy to help you attain a full understanding of what coverage is available and how to go about getting it.
What To Do If Insurance Denied My Roof Claim
If your roof claim was denied, you have the option to file an appeal. To ensure that your appeal is effective, you must request a re-inspection of the damages in case something was overlooked during the initial inspection. Then, ensure that you have a reliable and reputable roof contractor to assess the damage with the adjuster. After your appeal is submitted, request a resolution date. Appeals usually take a long time and waiting longer could lead to more damage to your property if it is not taken care of in a timely manner. Having a resolution date allows you to set up a time to follow up with them. If they continue to be unresponsive, it would be a good time to reach out to an experienced attorney.
Why Do I Need an Insurance Attorney?
While you typically don’t require an attorney’s help to file an insurance claim, there are many benefits including:
- Someone else has to deal with the insurance adjusters and mountains paperwork, not you!
- You can avoid common pitfalls that may reduce the value of your claim or get your claim rejected.
- You can learn your legal rights and fight back in the event the insurance company is purposely trying to undervalue or ignore your claim.
- You have a much better chance of receiving the full amount of compensation available to your as your lawyer will be able to accurately investigate and calculate the value of your claim.
Our lawyers are happy to go over your policy with you before you make your roof leak claim to ensure you have coverage and that the claims process is done correctly. We will walk you through every stage of the process and do the dirty work of documenting and building your claim. With us, you can be confident that not only will the insurance company approve your claim the first time around, but that you will receive the maximum amount of coverage you need to fully recover from this disaster.
In the unfortunate event your initial insurance claim is denied, we can step in from there and rebuild your claim to better prove the extent of your loss. So, whether you are just starting the claims process or have been rejected, don’t hesitate to reach out.
We can also help you take legal action in the event your insurance company is engaging in bad faith practices, such as:
- Harassment or other bad behavior
- Refusing to conduct a thorough investigation to determine the value of your claim
- Not returning your calls or using other tactics to delay your claim in the hopes you’ll give it up
- Offering you a much lower amount than what your claim is actually worth