If your home is damaged in a fire, you are likely in shock and at a loss as to what will happen next. The following is a look at some frequently asked questions concerning fire claims in Florida. For individualized assistance, contact a fire damage insurance claim lawyer in Miami as soon as possible.
Our homeowners insurance coverage attorneys often meet people who are given the run around by their insurance carrier when they file a claim for damage to their home. These individuals frequently assume they have no real recourse. While policyholders usually understand that they can file a lawsuit for breach of contract, they might be concerned about their ability to afford attorney fees on an out-of-pocket basis. Our law firm handles homeowners insurance claims involving denied policy benefits on a contingency fee basis. Further, Florida courts can award lucrative attorney fee awards when an insurance carrier loses a breach of contract action. In a case from the Florida 3rd DCA, Citizens Property Insurance Corp. v. Pulloquinga, the court not only granted attorney fees but applied a 1.5 multiplier to the amount of the fee award.
Homeowners' insurance policies are typically lengthy documents that contain many provisions most homeowners would find surprising. However, many homeowners fail to perform their due diligence and adequately examine the provisions of an insurance policy before signing. As a result, disputes often arise between insurance companies and insured individuals over the meaning of particular language in the policy. These disputes frequently occur when dealing with exclusions from coverage outlined in the policy. As the case below illustrates, parties should ensure that terms are well-defined in a policy and that the parties agree to the definitions before executing a policy.
Recently, a house fire erupted in Immokalee, leaving two families homeless. The fire department arrived to find a home engulfed in flames. They determined the point of origin of the fire to be a bedroom window where an air conditioning unit was installed. Though the fire department responded quickly, the flames destroyed the home. Two families who were jointly residing in the home are now struggling to determine how they can repair the damage done. Unfortunately, our Miami Homeowners' Insurance lawyers have to report that the family lacked homeowners' insurance at the time of the fire.
Nationwide Insurance reports that there are over 20 million lightning strikes across the United States. Florida is the lightning capital of the world and home to a high percentage of such strikes. Each lightning strike can carry over 100,000 volts of power and a strike can result in significant damage, even far away from the point of impact. As a result, hundreds of thousands of insurance claims are filed each year due to lightning strikes. Our Miami property insurance claim lawyers find that average claims can total over $4,000 dollars, with some ranging far higher and these claims cost the insurance company more than $1 billion in losses.
Many Florida homeowners make premium payments amounting to thousands or tens of thousands of dollars over many years to purchase security against unanticipated losses caused by a broad range of perils including fire. While you might be aggravated when your insurance company drags its feet in adjusting and paying your claim, this aggravation can turn to shock if your insurance company accuses you of arson or insurance fraud. Many homeowners are unprepared for the stress and anxiety of such an allegation after enduring the loss of a dream home, valuable furnishings, other personal property and irreplaceable heirlooms.