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.

How Levy & Partners Insurance Dispute Attorney Can Assist You

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.

Coverage of Damage by Insurance Levy & Partners,

The language in your policy will determine the damages that will be covered in the event of a fire. Some policies may cover damage only inflicted by the fire itself, while others will cover problems stemming from the fire including smoke and water damage. Structural damage, wind damage, melted personal property, roof damage, and plumbing and electrical damage may also be covered.

Reasons for Fire Insurance Claim Denial

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:

• Undervaluing damaged property;
• Allegations of arson;
• Failure to investigate in a timely manner;
• Denial of a total loss claim despite supporting evidence;
• Threats of prosecution to the insured in an attempt to lower the payout;
• A clear violation of the terms of the insurance policy.
• Insurance companies may delay the valuation or payment of a claim alleging that fraud or arson played a role in the fire. Obviously, if arson was the cause of the fire—and that you played a role—your damages will not be covered and we would not represent you. However, it is important to know that the burden of proof is on the insurance company, and not on the homeowner. Without direct or circumstantial evidence, an insurance company that denies these claims may be acting in bad faith.

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.

Contact Our Fire Insurance Claims Lawyer in Florida

Dealing with a fire insurance claim? Reach out to our experienced fire insurance claims attorney at Levy & Partners for expert assistance and dedicated support. Contact us today by filling out the contact form or calling us directly to ensure your claim is handled effectively and your rights are protected.

Schedule your consultation online or call us at (954) 727-8570