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Melbourne Insurance Claims Lawyer

Normally when you pay a business money to provide a service it does so without complaint. But as anyone who has ever experienced damage to their home knows, insurance companies are different. No matter how diligent you have been in paying your homeowner’s insurance premiums each month, when it comes time to actually file a claim, the insurance company’s adjusters often start throwing up roadblocks right away, offering every excuse in the book to avoid paying for your property damage.

A qualified Melbourne insurance claims lawyer can help you in taking charge of the situation. At the Pendas Law Firm, we represent homeowners who are only seeking fair compensation under their policies. We know all of the insurance company’s legal tricks and we will make every effort to ensure it complies with the terms of your policy and Florida law.

What Are an Insurance Company’s Legal Obligations?

Insurance companies are first and foremost for-profit businesses. Those profits come from collecting as much in premiums as possible–while paying out as little of that money to policyholders. This creates an inherent conflict between an insurer’s duty to act in good faith towards those policyholders and its obligations to its shareholders.

Nevertheless, an insurance policy is still a contract governed by Florida law. And the state does impose certain deadlines on an insurance company to act when someone has filed a claim. In general, the key deadlines are as follows:

  • Once a policyholder notifies an insurance company of damage to their property, the insurer must contact the policyholder within 14 days (2 weeks) about their claim.
  • Once a policyholder submits a required “proof of loss” form, the insurance company has 10 days to commence an investigation into the policyholder’s actual losses.
  • Once that investigation is complete, the insurance company has 90 days (roughly 3 months) to deny or accept the claim.

During this process, you as the policyholder need to strictly comply with all terms of your policy. Any failure to comply–even by accident–can be cited by the insurer as a reason to deny your claim. And even if you do everything right, if the insurer denies your claim in part or in full, you have certain legal rights to challenge that decision.

Contact The Pendas Law Firm Today

The most important reason to work with an attorney when filing an insurance claim is to hold the insurer’s feet to the proverbial fire. Insurers are notorious for dragging investigations out as long as possible and presenting low initial offers. Simply having an attorney at your side can help convince the insurance company that it needs to take your claim more seriously. Sometimes the mere threat of litigation is enough to bring the insurer back to the bargaining table.

And sometimes it is not. That is why you need to be prepared to fight for your rights in court. We can stand with you in that fight. If you need to speak with a skilled Melbourne insurance claims lawyer, contact the Pendas Law Firm today to schedule an initial consultation.

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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