At Levy & Partners, our attorneys understand that the aftermath of a fire can be a stressful experience, especially when a valid insurance claim is denied or underpaid. After paying costly insurance premiums, homeowners expect that claims submitted for compensation will be honored. In some cases, this expectation has proven to be too high, as we have witnessed insurance companies habitually deny or underpay valid claims without explanation.
Our fire damage insurance claim dispute attorneys have years of experience dealing with insurance companies and understand the tactics they may employ to avoid payment. Our attorneys are committed to helping homeowners recover the compensation to which they are entitled.
If your fire insurance company has been denied or underpaid, we’re here to help keep insurance companies accountable, and give you the opportunity to get your life back on track.
If you file a claim which is not denied initially, your insurance company will likely launch an investigation to determine the cause of the fire, the extent of the damage, and the value of the claim. Some companies have a history of blaming homeowners for the loss of the home and may go to great lengths to hire special investigators to find reasons to justify that blame.
Our insurance dispute attorneys have access to resources which allow us to perform separate assessments, which can be used in negotiations and settlements with the insurance company, should a dispute arise. We can work with experts to determine the cause of the fire, estimate the value of assets lost in the fire, uncover the extent of damage to the home that may be overlooked by the insurer, and estimate the value of your claim.
As a for-profit entity, it is in the insurance company’s best interest to avoid payouts to policyholders; however, they must have a justifiable reason for denying a claim. Many states, including Florida, have adopted the Unfair Claim Settlement Practices Act (UCSPA), which aims to protect policy holders from wrongful or deceitful actions of their insurers. Some common forms of unfair claims handling include:
If you believe your insurance company has wrongfully denied or undervalued your claim, our firm may be able to help you take the next step.