Miami Tile Damage Claims
We Can Handle Your Tile Damage Claim from Start to Finish
Natural disasters—especially those common in Florida like floods and hurricanes—as well as a number of other accidents and mishaps can cause major damage to a property’s tile flooring. Tile damage must be properly dealt with in order to preserve the safety and value of your home, yet to get your property back to normal may require costly repairs or replacement.
If your home has suffered tile damage large or small, call The Property Advocates, P.A. before contacting your insurance company. Our Miami tile damage claims attorneys are well versed in all Florida property insurance matters and can help you throughout the entire claims process. We will protect your rights by making sure the insurance company upholds their end of your policy agreement and provides you with the fair and just compensation you deserve. If they deny your claim or otherwise mishandle it, leave it to us.
We never back down from taking even the most well-known insurance companies to court if we must, though most companies will offer fair settlements to policyholders before it comes to that.
Does My Insurance Policy Cover Tile Damage?
If you have property insurance in Florida, there is a good chance tile damage is covered at least in some form under your policy. Chipped, cracked, or broken tile damage is often covered, for instance. Therefore, home and business owners should consider making an insurance claim if their tile has been damaged.
Common causes of tile damage generally covered in insurance policies include:
- Damaged electrical wiring
- Roof leaks
- Structural damage
- Toxic mold contamination
- Water damage
- The sudden and accidental dropping or falling of an object
- And more
Most insurance policies cover tile damage caused by at least some of the above as well as other factors. You may even be entitled to have some or all the tile flooring in your home or business completely replaced. However, it is important to understand that every tile damage insurance claim is unique and the extent of damage that is covered depends on your particular policy—and your lawyer.
If your home or business's tile floor has been damaged due to normal wear and tear, by dropping an object onto it, or due to faulty installation, your homeowners insurance policy may cover the costs of repair. On the other hand, your claim may be denied by your insurer for little or no good reason. Unfortunately, the latter is often the case.
While we can help you appeal a denied claim, it is best to get legal advice before you file the initial claim in the first place. An experienced tile damage claims attorney in the Miami area can help you understand your rights, document your damage, calculate how much you are owed, and file your claim correctly so not only does the insurance company accept it, but they pay you the full amount you need to cover your losses. In the event the insurance company attempts to lowball or deny your claim, we will negotiate with them ourselves and are willing to take them to court if necessary.