Homeowners across the State of Florida have been the victims of hurricanes, tropical storms, tornados, rain, and a many other causes of damage to their homes for a long, long time. Homeowners insurance companies have been denying or underpaying these homeowners for their legitimate and rightful claims as long as they have been in business. Here at The Dempsey Law Firm we make them pay.

Homeownership carries significant responsibility, as homeowners are accountable for all repairs and maintenance necessary to preserve the value, safety, and security of their property. Because unexpected events can occur, it is essential to maintain homeowner’s insurance to protect against losses caused by incidents such as fires, storm damage, burst water pipes, and other destructive events. Depending on the extent of the damage, homeowners may also require financial assistance for temporary housing while repairs are underway.

Most mortgage lenders require homeowners to carry property damage insurance to shield both the homeowner and lender from the financial impact of unexpected losses. Unfortunately, when residential property owners experience damage, insurance companies are not always responsive or cooperative in handling claims. If your residential property has been damaged by a covered event and you are encountering difficulties with your insurance provider, The Dempsey Law Firm can assist you.

Our attorneys have experience negotiating with insurance companies and compelling them to honor the obligations outlined in their policy agreements. We work to recover the maximum possible compensation for your losses, allowing you to focus on your daily responsibilities and restoring your home. We are committed to fighting for the full and fair compensation you deserve so that necessary repairs can be completed properly.

Although homeowner’s insurance is intended to cover damage to your property, policies often contain limits and exclusions that are detailed in the policy agreement. Even when damage results from a covered event, insurance companies may still attempt to deny or reduce the value of a claim. Common reasons insurers may deny or undervalue residential property damage claims include uncovered events, delayed claim filing, failure to mitigate losses or perform temporary repairs, lapsed insurance coverage, damage caused by homeowner negligence, and suspected fraud.

Claims may also be denied due to a lack of supporting documentation regarding the damage or its cause. For this reason, it is important to retain receipts, take photographs of your property, and maintain an inventory of personal belongings along with their estimated values. These proactive steps can help you quickly identify losses after a covered event, such as a burglary, and make the claims process more efficient.

If you are facing challenges with a residential property damage claim, speaking with a Florida residential property damage insurance attorney can help protect your rights. Let us assist you in resolving your claim and pursuing the compensation you are entitled to under your policy.