Hurricane Matthew wreaked havoc on the southeast, causing damage in excess of $10 billion, according to the Associated Press. Floridians and their homeowner’s insurance companies are footing much of that bill as they attempt to restore the Sunshine State to its pre-disaster condition.
Unfortunately, profit-minded insurance companies are notorious for hiring low-cost contractors. If your insurance policy has a “managed repairs” clause, then you’d better be prepared for a cut-corners restoration job. In most cases, just because there is a managed repair clause does not mean you lose any say in who will be in your home doing the work and what parts and quality is used. This is just one of many reasons you should contact Leader & Leader, P.A. to understand your options and not get stuck with a sub-par repair hurting the value of your home and costing you money in the long-run!
If your insurance company’s contractor did not restore your property to its pre-loss condition, then you may have a valid claims against your insurance provider. Under Florida law, if you have to sue your own insurance to enforce your rights, you are entitled to have them pay your attorney fees and costs associated with doing so. If you have questions about your legal rights as a policyholder, turn to Leader & Leader P.A.
Michael D. Leader is an insurance claims lawyer in Fort Lauderdale who has witness firsthand just how heartless homeowner’s insurance companies can be. He will help you fight for the compensation that you deserve, or force your insurance provider to restore your property to its pre-disaster state. Call 954-523-2020 today to schedule a free initial consultation.
Should I Hire a Public Adjuster to Evaluate My Property Damage?
Your insurance company will use its own adjuster or hire a private adjuster to calculate the cost of repairing your home. Because the adjuster wants to be hired by the insurance company for future claims, he or she has incentive to deliver the lowest possible estimate. As such, we find that in most cases, the estimate is well below the actual cost of reasonable repairs to your home.
We suggest you call a qualified, reputable and well respected attorney familiar with property insurance claims. In some instances, a public adjuster, can be a great help in representing your interests in resolving the claim. Your adjuster should also document the damages to your belongings and property that are covered by your insurance policy and help you through the process. Like attorneys, there are many great public adjusters out there but there are also many bad ones. This is why we suggest you call us first so we can help! If you do not need legal help and a Public Adjuster is more appropriate for where you are in the process, we can suggest public adjusters that we believe to be reliable, reputable and good at what they do.
If your insurance company’s private adjuster has already calculated the damages, your public adjuster can evaluate the calculations and negotiate on your behalf. If your home is not restored to its pre-loss condition after the repairs, then your public adjuster can re-open your claim or we can file suit on your behalf, when appropriate.
Can I Make a Claim Against My Insurer after the Repairs Are Finished?
In certain situations, it is possible to make a claim against a homeowner’s insurance company after its contractor has completed the repairs. In fact, you should hire a third-party contractor to evaluate the repairs immediately after they are finished.
You can make a claim against your insurer if:
- The contractor damaged your property while making repairs;
- The materials that the contractor used were of lower quality than the original materials;
- The repairs are not done in a professional or workmanlike manner in a quality that meets or exceeds what you had before the loss; or
- The property was not restored to its pre-disaster state; or
- The repairs were not properly permitted.
If your insurance company’s contractor provided cut-corners repairs after Hurricane Matthew, contact Leader & Leader P.A. Michael D. Leader is an insurance claims attorney in Fort Lauderdale who understands the tactics that insurance firms use to cheat their policyholders. He will aggressively and compassionately represent your interests. Call 954-523-2020 to schedule a free consultation.