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Florida Personal Injury Lawyers > West Palm Beach First Party Storm Damage Lawyer

West Palm Beach First Party Storm Damage Lawyer

On its face, homeowner’s insurance appears to be a two-way street. You pay your premiums to the insurance company, and get peace of mind knowing that the insurer will cover your losses in the event of a storm that causes property damage. It can be frustrating when the company refuses to pay out a rightful claim, particularly when your rights seem clear.

Florida law protects your rights when an insurer engages in bad faith practices in violation of the law. Our team at The Pendas Law Firm are dedicated to holding insurance companies accountable for their misconduct, so please contact our office to speak with a West Palm Beach first party storm damage lawyer today.

Overview of First Party Storm Damage Claims

An insurance policy is a contractual relationship between you and the insurer, where you’re both bound by the terms and conditions of the agreement. If you need to make a claim for damage from a weather-related event, you stand in the position of a first party to seek reimbursement for your losses. Assuming you pay your premiums in full and on time, you assume your insurance company will uphold its side of the bargain.

Unfortunately, insurers can be stingy when faced with first party storm damage claims like yours. The claims adjuster may contest the amount or find a loophole that absolves the company from paying out for your property damage. In some situations, this conduct amounts to bad faith insurance practices in violation of the law. Florida statutes and rules of the Florida Office of Insurance Regulation (FOIR) require good faith and fair dealing, so there are remedies for policyholders.

Spot the Signs of Bad Faith in First Party Storm Damage Claims

There may be legitimate, legal grounds for an insurance company to deny a claim, and an attorney can help you understand whether the action is proper. Still, you should look out for other signs of bad faith, such as:

  • Not investigating your claim;
  • Contesting your receipts or supporting documentation;
  • Failing to communicate with you regarding receipt of your claim;
  • Ignoring your questions about status;
  • Repeatedly handing your claim off to another adjuster;
  • Failing to respond within 14 days after you file your claim, as required by law;
  • Disputing coverage by citing a loophole in your policy;
  • Not paying out your approved claim within 20 days, as required by law; and,
  • Other suspicious conduct.

Legal Remedies for First Party Claimants

FOIR is tasked with enforcement of bad faith laws in Florida regarding first party storm damage claims. However, you can also take matters into your own hands by filing a lawsuit in court. You can seek monetary damages for the losses you sustain, and you may be entitled to equitable relief. You’ll need to prove that the insurer unlawfully withheld payment for a proper claim, which conduct amounts to bad faith.

Trust a West Palm Beach First Party Storm Damage Lawyer with Your Claim

For more information on your rights in a first party storm damage claim, please contact The Pendas Law Firm. We can schedule a consultation to review your circumstances and explain potential remedies.

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  • “I'm very happy with this firm... Joel is an excellent attorney and Carolyn is an amazing paralegal, After been ditched from another law firm, Pendas took care of me and they won my case. I recommend them 100%...” - Jacksonville -

    Maria Pastor
  • “This law firm is amazing. I love how they always try to stay/keep in contact with you. It shows that they really care and want everything taken care of correctly, Thank You!...” - Orlando -

    Shantelle Blackwell
  • “I'm very thankful for all the attention of all the Pendas staff that took care of my case and helped me through the process, thanks for your patience, collaboration and comprehension!...” - Tampa -

    Carlos Guadalupe
  • “The Pendas Law Firm was amazing! They are very kind, professional, and hard-working! They always kept me informed. Larry Trias was great to work with! I always recommend Pendas to family and friends. Thank you for helping me with my case!” - Fort Myers -

    Heather Pepper
  • “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. Their staff speaks Spanish and you feel like family.” - Orlando -

    Ian Brito
  • “I would definitely recommend this firm. The staff really helps you and they actually show you that they care, especially Siomara Roldan. She has been a great help for my family and myself, she is always helpful with any questions.” - Tampa -

    Wilmer D Santana Rodriguez
  • “Pendas is the best! The paralegals are very attentive to your case, knowledgeable, and communicative! The attorney also won’t just be there the day of your sign up, but all throughout the process as needed. I truly recommend Pendas!” - Orlando -

    Ben Fitzgerald