Bradenton Homeowner’s Insurance Claim Lawyer
Having your homeowner’s insurance claim denied after a natural disaster, burst pipes, vandalism, or robbery adds pain and agony to an already difficult situation. You purchased homeowner’s insurance and paid your monthly premiums to avoid a situation where you are forced to foot the bill of damages that happened beyond your control. You held up your end of the bargain, and now it is your insurance carrier’s turn to pay back what they owe. If you are experiencing lengthy delays, false claims on their part, or a settlement offer that is below what is should be, reach out to an experienced Bradenton homeowner’s insurance claims lawyer to learn about your legal options.
Insurance Providers are Beholden to Their Shareholders First, Customers Second
While home damage is common in Florida due to tropical storms and other incidents, insurance carriers frequently deny coverage to their customers in order to increase their profit margins and please their shareholders. Insurance carriers may drag their feet, deny coverage based on insufficient evidence, or claim that your policy does not cover the specified type of damage. An experienced lawyer can help sort out any misunderstanding on your insurance company’s part, encourage a reasonable settlement in a timely manner, or take them to court if necessary. Common types of home damage in Florida are explained below.
Hurricane, Tropical Storm, Tornado, Flooding, and Wind Damage
During a tropical storm or hurricane, storm surge is the greatest threat to property and human life, according to the National Oceanic and Atmospheric Administration. Storm surge occurs when the strong winds of an offshore storm push water towards land, locally rising the level of the sea to create massive flooding of entire regions. Extraordinarily strong winds are another type of damage that can result in hundreds of millions of dollars of damage throughout a city. During a large catastrophic hurricane, tropical storm, or other natural disaster that affects thousands or millions of people in a region, denial of home insurance coverage becomes more prevalent. The more damage there is to a region, the harder it becomes for your claim to be accepted, let alone responded to within a reasonable amount of time. Hurricanes, tropical storms, tornadoes, flooding, and other wind damage should all be covered by your insurance provider. If they are putting up resistance or delaying, you have a right to take legal action with the assistance of an experienced lawyer.
Other Common Types of Home Damage in Bradenton, Florida
While catastrophic storm damage happens on a somewhat frequent basis in Florida, other types of accidents and human-caused destruction cause serious financial damage as well. Other types of events that cause home damage and should be covered by your insurance provider include:
- Mold;
- Fire;
- Theft;
- Vandalism;
- Catastrophic ground cover collapse; and
- Pipe leakage causing flooding or damage.
A typical homeowner’s policy will cover the following, according to the Florida Department of Financial Services:
- Structure (such as the house);
- Other structures (such as sheds or fences);
- Personal property; and
- Loss of use.
Contact the Bradenton Pendas Law Offices Today for Assistance
If you have been denied homeowner’s insurance coverage or are facing serious delays with your insurance company, do not hesitate to call the lawyers of the Pendas Law Firm today for immediate help. Our Bradenton homeowner’s insurance claims lawyers are prepared to advocate aggressively on your behalf.
