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Daytona Beach Insurance Claim Lawyer

Daytona Beach Homeowners’ Insurance Attorney Helping with Florida Claims

When you purchase a home in the Daytona Beach area and regularly pay your homeowners’ insurance premiums, you should be able to expect that your insurance company will provide you with full and complete coverage in the event of severe storm damage, hurricane damage, flooding, a sinkhole, or another unexpected event that results in serious damage to your property. However, insurance claims can be much more complicated than you might expect, and homeowners often learn that their insurance claims have been denied.

Whether you are in the initial stages of filing a homeowners’ insurance claim or need assistance appealing a denial of coverage from your insurance company, an aggressive Daytona Beach insurance claim lawyer at our firm can assist you.

Understanding Insurance Requirements in Florida

If you own your home in Daytona Beach, you probably have homeowners’ insurance. Although Florida law does not require homeowners to have insurance, mortgage companies usually do. Accordingly, when you buy a home and have a mortgage, you are likely required to have homeowners’ insurance. Under Florida law (Fla. Stat. § 627.7011), insurance companies are required to offer certain types of coverage to homeowners. However, it can be difficult to understand what comes with most policies, and what types of coverage will cost extra.

The following are common types of coverage in homeowners’ policies, along with information about whether you will need to pay an additional premium for these particular types of coverage:

  • Replacement cost and actual cash value (ACV) coverage: You should be certain that you know the difference between replacement cost and ACV coverage. Replacement cost coverage will provide a homeowner with the amount of coverage necessary to actually replace items that have been damaged (or to repair them), while actual cash value coverage only provides the amount of coverage for the market value of the item at the time it was damaged. In other words, with actual cash value coverage, you only get the cost of replacing the item minus the amount of depreciation.
  • Flood insurance: While some mortgage companies may require flood insurance depending upon where your home is located (in terms of flood zones), flood insurance often is optional. If you do not have flood insurance coverage but sustain flood damage, your claim may be denied.
  • Sinkhole coverage: Florida insurance companies must provide catastrophic ground cover collapse, but specific sinkhole coverage comes at an additional cost. Insurance companies must offer sinkhole coverage to homeowners. Filing a sinkhole coverage claim can be complicated, and it is important to understand the terms of your policy.

Filing a Claim and Appealing Denied Benefits

If you are filing an insurance claim, you should work with a Daytona Beach insurance claims attorney to ensure that you provide all necessary information the first time around. Even a minor error can result in your claim being denied.

If you have already been denied coverage, you should know that our attorneys can help you to appeal your denial of benefits.

Contact a Daytona Beach Insurance Claims Lawyer

The dedicated Daytona Beach insurance claims lawyers at our firm routinely help clients with homeowners’ insurance claims and appealing denials. We can speak with you today about your case. Contact The Pendas Law Firm for more information.

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Read What Others Have To Say About Us

  • “I can’t express how much I appreciate this law firm. I had the honor to deal with attorney Daniel. He kept me updated on my case. I couldn’t ask for a better law firm. Daniel fought for me til the end and got me what I deserved. Thanks Daniel and your team for always being there to answer any of my questions. If I ever need a law firm again...”

    Terry Mcphillips
  • “Speedy & superb handling of clients & cases, kind & caring. Highly recommended professionals. They made everything very easy for us, were outgoing & polite. I would call them again if ever in need, rather than call the larger firms that need to advertise & brag about winnings…Pendas was a pleasant & more personal approach instead of...”

    Joseph Kestell
  • “Wow I called Pendas Law Firm the other day at their main intake line it was around 11 o’clock at night and I’ve got this wonderful representative his name was Jeffrey Alvarez. This guy was very professional and his compassion was out of this world I don’t know what I would do if I could not have got a hold of him...”

    Luis Sanchez
  • “Thank you for helping us in our time of need. This firm handled my father’s workers comp case, and helped us with every question we had, and we had a plenty. Thankful for the entire legal team!”

    Enilno Resu
  • “I just concluded a case with attorney Michael Sanchez and paralegal Camilo Lopez. I can only say they are exceptional. The customer service is unique, they have been battling alongside me since day 1. They are not only courteous and professional, but they also are amazing at their job. Thanks to them I got a great deal. I am glad I decided to use their services...”

    Israel Garcia
  • “Their attorneys are absolutely someone you want handling your car accident claim. They communicated with us promptly and thoroughly. I was very happy with our recovery. Already recommended them to others in the same circumstances, their staff speaks Spanish and you feel like in family.”

    Ian Brito
  • “Very Professional law firm. They explained to you every detail what to do according to the laws (worker’s compensation). Mr. Danilo Cruz is the best Lawyer and his team. They are very kind, friendly, responsible, I love this firm. They fight for their clients. AwesomeTeam!”

    Lau Rod