At South Florida Legal Group. we work at professionally negotiating with insurance companies for the best possible outcome. We make sure your insurance claims are properly presented, and we strive to maximize payment and prevent denials.
If you recently, or not so recently, suffered a loss in your home or place of business, due to windstorms, thunderstorms, lightning, roof leaks, toxic mold, fire, theft, vandalism, plumbing problems, or any other catastrophe, you are likely eligible for compensation from your insurance company. Call us now for a no charge, no obligation insurance claims consultation.
Let us free you from the emotional and time consuming struggles with the insurance company. We know what to look for, how to speak the insurance language, and how to get results. Best of all you pay us nothing until your claim is completely granted.
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10 Things You Can Do To Make Disaster Recovery Go More Smoothely
By definition, disasters are rarely tame or predictable, and few homeowners or businesses are truly prepared for the full extent and nature of a disaster when it does strike. While recovery is never easy, there are a few key steps you can take before and after an event to help make your insurance claim which is, after all, the basis for your financial recovery go more smoothly.
Photographs will be important to prove the extent of your damages later. Take new photos every year, or after any development to the property.
Put a claim management team together before a disaster strikes and assign a lead spokesperson in the event of a loss. Only an individual who is knowledgeable in the area of insurance should handle interactions with your carrier. This is essential, since the smallest comment can make a big difference in how much money you recover.
It's your responsibility to perform emergency work such as putting up tarps, removing wet drywall and carpeting to prevent mold, and boarding up openings and installing fencing where necessary to protect your belongings and keep others from getting hurt.
Ideally, you should not hire a contractor to rebuild your business until you have agreed on a repair/replacement scope of damage and an estimate of pricing with your insurance company. Then you will know how much you have to spend on reconstruction.
Photograph or videotape the scene, including the debris pile.before you begin any cleanup efforts. When estimating damages, do not rely solely on your historical records. Instead, secure replacement cost estimates.
Read and make sure you understand your rights and obligations under your insurance policy before entering into any serious discussions or negotiations with your carrier. Seek out an attorney to help you understand what your policy actually covers and, just as important, what it doesnt.
Keep a log of all activities and save all receipts after the damage, including those for property replacement and extra expenses. This will provide the documentation a disaster recovery professional requires to present expenses to your carrier, and you will know which expenses will be reimbursed as you rebuild.
Policyholders often expect the insurance company to tell them what to do to save their business. Insurance attorneys are simply professionals overseeing your property insurance claim. Only you know your business and whats best for your recovery.
The insurance adjuster sent by your carrier to evaluate the damages is exclusively working for the insurance company, not for you. Its your responsibility to document and submit your claim. Make sure you have someone who knows insurance inside and out on your side to ensure that you get a full, fair, and expedited settlement while you concentrate on maintaining your home or business, not on claim details. Understand that your claim will have to be verified.