We have all heard of Murphy’s Law. Whatever can go wrong, will go wrong. Unfortunately, it seems to apply to far too many South Florida homeowners who are filing an insurance claim. Between fire damage or the wrath of Mother Nature, even the most well-maintained home is not immune to a disaster. But when the time comes to file a claim, there is no guarantee your insurance company will come through when you need them the most. In far too many cases, insurance claims are either underpaid or even denied. Here’s how homeowners can put themselves in the best position to succeed.
The Harsh Reality of Insurance Companies
Every homeowner needs insurance. However, not every insurance company is the same. Just like any other business, their goal is to make money. First, it is vital for homeowners to take initiative and thoroughly review their insurance policy. It may not be the most thing to do. But it in many cases, it can save them from headaches in the future. Secondly, insurance companies have their own team of adjusters, whose job is the properly assess damage. However, some insurance adjusters have been known cut corners. As a result, many homeowners find themselves unable to pay for all of their damages, repairs or account for their lost items.
How to Get the Maximum Settlement
When it comes to filing an insurance claim, it is important for homeowners to receive the maximum settlement. Although that is not always possible, there are ways for policyholders to place themselves in the position to get the best position. Water damage, roof leaks , fire damage and windstorm damage are the most common types of insurance claims in South Florida. Here are some ways to help improve your chances of getting the settlement you deserve.
Maintain complete and accurate numbers: Every lost and damaged item needs to be accounted. To receive compensation for these items, it is vital to keep receipts, photo or serial numbers.
Create an inventory of all lost and damage possessions: Although many damaged and lost items can never be replaced, it is important to make a note of them to receive the proper compensation.
Keep track of your expenses: One of the most overlooked and forgotten aspects of recovering a maximum settlement is accounting for money spent on medical bills, lodging, lost wages, travel mileage. If a house has experienced extensive fire damage or windstorm damage, it may not be safe to stay.
A Miami insurance claims lawyer can help
Far too many homeowners do not properly understand their rights when filing an insurance claims. Not knowing the facts can prove to be costly. Miami insurance claims attorney Jonathan Korin understands many of the obstacles and challenges homeowners face when dealing with insurance companies. He and his legal staff work diligently both in the courtroom and behind the scenes to help resolve disputes with insurance companies and help client recover the maximum compensation they deserve. To learn more, contact the offices of Korin Law, PA and schedule a free initial consultation to discuss your case.