Questions and Answers About South Florida DUI, Criminal, Domestic Violence Cases and Home Insurance Claims
Many of those charged with a crime in Florida have little experience with the law, and they naturally have many questions. From information about how the local legal system works to the possible consequences of your charge, find answers to many common questions here.
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How long does the process take?
Generally, under Florida Statute, an insurance company has 90 days from the date of reporting the loss to issue a coverage determination for your claim. However, once a coverage determination is made then you really need a crystal ball to determine how much time each claim will make. If an insurance company fails to make a coverage determination for your claim within 90 days from reporting the loss, a licensed Florida attorney can then file a lawsuit for coverage of your claim.
What is the insurance company responsible for?
It depends on your policy. There are several types of homeowner's insurance policies. The most common policy is a HO-3 policy. HO-3 policies often provide insurance coverage in the event of an unforeseen circumstance, including damage from fire, lightning, wind, theft, or certain events causing water damage. However, every policy is different and each claim needs to be reviewed by a trained eye before making a determination on whether your claim will be covered or not.
How much is my claim worth?
Each claim is different. For instance, 5 people could evaluate a claim and each person would likely write-up an estimate with a different value amount. This is why it is important to go with trusted representation for your claim, that way you know your estimate is legitimate and holds value.
Do I need an public adjuster?
No. In fact, a public adjuster does not have the ability to file a lawsuit on your behalf. The Florida Statutes are written in such a way that allows for a homeowner to hire an attorney (at no cost to the homeowner) to fight for their rights under their policy. Insurance companies can be liable to pay for your attorney's fees under statute, so if you have an attorney on your claim, then the insurance company may take steps to issue proper payment before our fees start to build-up. It is a leverage that cannot be used by a public adjuster.
Why wouldn't I just go through my insurance company?
In a perfect world, your insurance company should adjust each and every claim with the homeowner fairly. Unfortunately, we do not live in a perfect world and insurance companies have been notorious for putting their own interests ahead of their insureds' interest. Many claims are wrongfully denied or underpaid.
How do I know if I have a claim?
If you have purchased insurance for your home, that policy will layout what damage is and isn't covered. Most policies are written in such a way that a trained professional eye is needed to understand them. They can look and read like a foreign language to some people.