Hurricane Irma left in its wake widespread water, wind, flood and roof damage in most parts of Florida. Homeowners in Orlando were not spared either. If you are among those who were affected by the hurricane, you need to talk to an insurance lawyer from JGarcia Law Firm in Orlando, FL who will advise you on the steps that you need to take to get compensated for the damages caused by the hurricane. Additionally, consulting an insurance attorney will help you avoid making some insurance claim mistakes which might dwindle your chances of getting the compensation that you rightfully deserve.
So, what are some of the insurance claim mistakes that you should avoid?
Failure to notify the insurance carrier in good time–
Whenever a hurricane event happens, the chances are that this will affect many people at the same time. Your failure to file a claim with your insurer as soon as the disaster happens can cause your claim to be pushed to the back of the queue meaning that you will not get the much-needed compensation in good time for your repairs.
Failure to document the damage
It is required of all insurance policyholders to take necessary steps to prevent further damage to the property following the occurrence of a risk event. However, we do advise our clients to ensure that they have documented the loss or damage before commencing with the repairs. You can take photographs and video clips of the damaged areas and hand them over to the adjuster and your insurance lawyer as evidence for your claim. Where possible, you should hold on the repairs until an adjuster comes to inspect the property.
Check the credentials of the adjuster
It is within your right to interrogate the credentials of the adjuster sent to you by your insurer. Get to know how long they have been in the adjuster business. Also, check to see if they have the powers to sign your check. It is vital for you to check if this adjuster is an independent contractor hired by your insurance company to monitor your case. If so, ask him to link you with the insurance company adjuster to whom he will be filing the report. Be thorough when reviewing the qualifications and experience of the adjuster. The law in Florida requires a public adjuster to have worked as an apprentice under an adjuster for one year before he or she is allowed to adjust any claim independently. Remember, a new adjuster can commit adjusting mistakes which might adversely affect your chances for fair compensation.
Never sign your claim over to a restoration company or a contractor
Make sure that you do not agree to any repair work on your property before getting the approval of your adjuster or your insurance company. Once you get the approval from your insurer, you should ensure that the contractor you hire is for emergency services only and your insurer or adjuster must agree, in writing, to pay for these emergency services.
Not calling upon an insurance lawyer to help you with your claim
AVOID COSTLY MISTAKES. CONTACT US!
Although the list is not conclusive, these are just some of the common mistakes that most homeowners commit. To avoid making these errors, we recommend that you hire a qualified insurance lawyer in Orlando, FL from JGarcia Law Firm who will guide you through the whole process and ensure that you get the compensation that you rightfully deserve. Talk to us today for a free consultation.