Naples First Party Storm Damage Lawyer
Preparing for hurricanes is an annual ritual here in Florida. Every year it seems like there is at least one major storm that produces significant property damage throughout the state. And if your home is one of those damaged properties, you may struggle to get your insurance company to pay out what you are entitled to under your homeowner’s policy.
If you need help dealing with a post-storm insurance claim, the Pendas Law Firm can provide you with legal advice and representation. Our experienced Naples first party storm damage lawyer understands all of the insurance company’s tricks and delay tactics. We know that you just want to get your insurance claim settled so you can get back to rebuilding your house. And our team will make every effort to ensure that your insurer fulfills its contractual obligations to you.
Why Having a Lawyer Matters
Storm damage claims are generally classified as “first-party” claims, meaning they are filed by the policyholder with their own insurer. (A third-party insurance claim is one filed against someone else’s insurance policy, such as when a car accident victim seeks compensation from a negligent driver.) If you own your own home, you likely have some form of homeowner’s insurance that covers storm damage claims.
However, having a policy and getting the insurance company to pay a storm damage claim are two different things. After all, an insurance company makes its money by paying out less in claims than it takes in in premiums. So the insurers train their adjusters to carefully scrutinize claims, looking for any possible justification to either deny or lowball a settlement offer to the homeowner. In many cases, the insurer is betting that the homeowner will take any first offer just to get some money in their hands while they are struggling to rebuild their home.
This is where working with a lawyer is critical. A first party storm damage lawyer can provide you with the benefit of in-depth knowledge of Florida’s insurance laws and how they apply to your situation. A lawyer will conduct their own investigation on your behalf to identify all potential storm damage and prepare a claim on your behalf to ensure that you comply with all relevant policy terms. More to the point, a lawyer can negotiate with the insurance company on your behalf to ensure any settlement is fair and fully compensates you for your covered loss.
Contact The Pendas Law Firm Today
While most storm damage claims are resolved by negotiated settlements, there are scenarios where you may need to take an insurer to court or arbitration to assert your rights. We can help you with that. Our Naples first party storm damage lawyer is prepared to do whatever it takes under the law to ensure you and your family are treated fairly by an insurance company. So if you have suffered storm-related damage to your home or property and need legal advice on what steps to take next, contact the Pendas Law Firm today to schedule a consultation.