4/7/2019 | Posted by Teisha Powell
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Many Florida homeowners have no clue how to properly file a Florida insurance claim
. What do I mean by properly file an insurance claim? I mean what it says. This means, you didn't assign anyone your claim. That way when you are getting a check. It isn't in someone's else name, but you the homeowner's name. You file it properly which means that if you are going to file a lawsuit, then you have your paperwork in place for your lawyer to take over. You want to file a proper insurance claim because it is easier to build a case against the homeowner insurance should there be a denial letter. So how do you file a proper insurance claim. Simple. Follow these steps.
1. Do not assign your insurance claim to a third party- third parties make a killing from your laziness. If you do not know what you are doing, then the guy who cleans up your mold, will go ahead and have you assign him your claim. He will then sue the insurance company. Not only will he collect his shares, he will collect your shares as well. You will be left holding the bag, because you won't have any money to fix up your home because of this claim.
2. You didn't hire an attorney- You are silly not to hire a lawyer who handles these kind of claim. Under Florida law, hiring an attorney that handles this claim cost you nothing. But you don't want to pay nothing, so you got lazy and didn't even call the lawyers who do this for a living. They would have gotten you an additional 50% on your money. So do not take this little step for granted.
3. Document the date of your loss and what you have done to fix the problem
- If your roof fell off, then you need to know the date and year you loss your roof. You also need to mitigate the damages. How can you do that if you do not have the money to do so? You do not have to fix the property, but you do not to reduce the damages. That means if your roof fell off, then you will need to put a tarp on the roof until the insurance company is notified. While the insurance company sends out its adjuster, you will need to hire someone to give you the estimation of fixing the roof. Bottom line is you cannot wait to get your check from the insurance company to mitigate the damage. Do so now. Remember, time is of the essence. If you have an insurance claim, first thing to do is contact an insurance lawyer who can help you file your Florida insurance claim property