Homeowners rely on insurance to protect their property, but filing a home property damage claim can be a frustrating and complex process. Many homeowners face delays, lowball offers, or outright denials when seeking compensation.
At The Ferriol Law Firm, we understand how important it is to recover quickly after property damage. Our experienced home property damage lawyers help Florida homeowners fight back against insurance companies and get the settlements they deserve.
A home property damage claim covers losses caused by unexpected events that harm your home, including:
While homeowners insurance should cover these damages, insurance companies often undervalue claims or find reasons to deny them.
Before filing a property damage claim in Florida, it’s essential to review your homeowners insurance policy to understand:
Most standard homeowners insurance excludes flood damage, requiring a separate flood insurance policy. Additionally, some policies have hurricane deductibles, which differ from standard deductibles.
If your home is damaged, taking the right steps quickly can protect your claim and maximize your payout.
Filing a Florida home damage claim requires careful attention to detail. Follow these steps to ensure a smooth process:
Insurance companies may deny claims by:
Adjusters may offer far less than your repair costs, expecting you to accept out of frustration.
Some insurers drag out the process, hoping homeowners will settle for less.
If an insurer misleads, delays, or wrongfully denies your claim, you may be entitled to additional compensation.
Insurance companies have teams of adjusters and attorneys working to reduce payouts. Having an experienced home damage lawyer levels the playing field.
✔ Policy Review: Ensuring your claim is filed correctly.
✔ Claim Negotiation: Fighting for a full and fair settlement.
✔ Appeal Denied Claims: Challenging wrongful denials.
✔ Take Legal Action: If necessary, filing a lawsuit against the insurer.
At The Ferriol Law Firm, we handle the entire claims process so you can focus on restoring your home.
Case #1: Denied Hurricane Claim – Won $200,000
A Florida homeowner’s hurricane damage claim was denied, with the insurer blaming pre-existing issues. After legal intervention, we secured a $200,000 payout.
Case #2: Lowball Fire Damage Offer – Increased by 5X
An insurer initially offered $15,000 for fire damage that required $75,000 in repairs. We negotiated a full settlement covering all damages.
Case #3: Mold Damage Dispute – Full Compensation Secured
A client’s claim for mold damage was wrongfully denied. Our legal team proved the damage was covered, resulting in a full payout.
While most homeowners insurance claims cover structural damage, homeowners may also need help with auto property damage claims after hurricanes or fallen debris.
If your vehicle was damaged alongside your home, a home damage attorney can help maximize both claims.
Florida law allows two years for hurricane claims and five years for most other property damage claims.
You have the right to appeal or take legal action if your claim is denied unfairly.
Florida law prevents insurers from raising rates unfairly after a single claim.
Don’t let the insurance company delay, underpay, or deny your claim. At The Ferriol Law Firm, we fight for homeowners’ rights and ensure you receive full compensation.
Every day you wait could cost you thousands. Don’t let the insurance company take advantage of you. Call (786) 391-2148 now for your FREE home inspection and policy review. No fees unless we win.
