Miami Florida Insurance Claim Law Blog
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The Mintz Truppman, P.A. blog seeks to inform Miami, Florida residents of current events and legal information about Insurance Claim Law. We welcome your commentary. When a fire, windstorm or hurricane has devastated your home or business property, after dealing with the insurance company, you need someone who is going to explain the process in a way you can understand and follow.
Miami Florida Insurance Claim Law Blog
2w ago
One of the main reasons that people file insurance claims is because they have water damage. Perhaps a pipe burst in the house. Maybe there was a storm or a flood that caused water to get inside. As long as people have the correct coverage, they can file a claim and get the repairs made through their insurance.
But one thing to remember about water damage is that it is often much more extensive than what you can actually see. This is because water can spread quickly throughout the home. It does not take much water to cause significant damage, and the water damage may have been going on for som ..read more
Miami Florida Insurance Claim Law Blog
3w ago
Homeowners’ insurance is not cheap, so you want to ensure you get all the compensation you are entitled to should you ever need to use it. Sometimes, this is easier said than done. Insurance companies are skilled at delaying, denying or minimizing claims in order to protect their shareholders’ profits. Here are some steps to take to improve your claim’s chance of success: Inform your insurer promptly Most insurance policies restrict how long you have to file a claim. You also need to make the initial call to them relatively quickly after the damage occurs, perhaps before you have all the infor ..read more
Miami Florida Insurance Claim Law Blog
1M ago
Not all houses are well-built. Many do not match up to the standards that those who commissioned them hoped for or expected. Yet, people may live in a place for years unaware of the problems their property contains. Until one day, a storm or other extreme event reveals the truth. One famous Florida example started with Hurricane Andrew, back in 1992. Thousands of homeowners saw their properties destroyed, and on investigation, it turned out that many of them had been very poorly built. While the state subsequently tightened building codes, it does not mean everyone sticks to them. There will l ..read more
Miami Florida Insurance Claim Law Blog
1M ago
If there is a concerning issue related to how your house was built, you may be able to claim compensation. To make it easier to do so, you need to be precise about what the issue is and how it occurred. Courts that handle construction dispute claims consider construction defects to fall into four categories. Design Deficiencies Architects and engineers come up with the plans that contractors then put into practice. If a contractor did everything the plan told them to, but an issue still occurred, it might be the original design was wrong, or the professional who drew it up did not consider all ..read more
Miami Florida Insurance Claim Law Blog
2M ago
When you purchased your insurance policy, be it for fire, hurricane, storm and so on, you expected you would be covered without difficulties when the time comes. But this may not be the case; your claim may take forever. And while there may be a rational explanation for this, your insurer may delay your claim intentionally. Here are two common reasons for this: To get you to accept the first settlement When you file an insurance claim, your insurance company will give you an offer, which, in most cases, is usually not a fair one. If you refuse the first offer, they may delay the process to mak ..read more
Miami Florida Insurance Claim Law Blog
2M ago
Fires at home are more prevalent than most homeowners realize. They are both unpredictable and unexpected; therefore, many homeowners don’t imagine their house could catch on fire until it does. It doesn’t help that residential fires can quickly spiral out of control and damage more than most homeowners anticipate. Ultimately, understanding their common causes is crucial for prevention. Electrical malfunctions Home electrical systems, if not maintained properly, can become a significant fire hazard. Overloaded circuits, faulty wiring and outdated appliances are common culprits. Regular inspect ..read more
Miami Florida Insurance Claim Law Blog
3M ago
Mold, a type of fungus, often grows in damp and poorly ventilated areas. In Florida, frequent storms, hurricanes and high humidity create conditions for mold to thrive. Understanding the impact of mold damage on your home is important for maintaining a healthy living environment and preserving your property's value. Mold damage risks in Florida Tropical storms and hurricanes impact weather across the entire state of Florida. They often accompany storm surges that rise up to 25 feet above sea level. These surges push water onto the shore and can lead to severe flooding. After a storm, it is nec ..read more
Miami Florida Insurance Claim Law Blog
3M ago
People may need to file a homeowners insurance claim in Florida for a variety of different reasons. Perhaps there was a fire, or maybe there was water damage caused by a recent storm. The average homeowner has a standard policy protecting their domicile as required by their mortgage company. They may even have supplemental policies for certain kinds of damage, like flooding. Many people do not have enough money in savings to cover the cost of massive repairs out of pocket, so they rely on their insurance company to pay for repairs. Local contractors facing high demand levels may turn down cont ..read more
Miami Florida Insurance Claim Law Blog
3M ago
Whether it’s a sudden thunderstorm or a hurricane, Florida's storms can lead to significant home damage. The roof of a home provides substantial protection for the structure, so homeowners need to recognize the signs of potential damage. Ideally, a roof inspection will be done after significant storms, but that’s not always possible. All homeowners should be aware of some signs of roof damage. Missing shingles Missing shingles are a sure sign of a damaged roof. The homeowner may see them on the ground in the yard even if they don’t see the location on the roof where the shingles are missing. L ..read more
Miami Florida Insurance Claim Law Blog
5M ago
A house fire does not always mean the complete loss of property. If only a portion of your home caught fire, you might be contemplating whether it is safe to continue using the rest of the house. However, lingering effects from fire and smoke damage can pose health and safety risks long after the flames are put out. The unseen threats of living in a house post-fire If you decide to stay in your home after the incident, it is crucial to consider not just the apparent structural damage but also the hidden dangers. Fire damage There are many ways a house fire can be destructive. The extreme heat ..read more