State law requires all homeowners in Melbourne to obtain a homeowner’s insurance policy. This policy should provide protection in the event of a loss that allows you to retain financial stability while you rebuild your home. Unfortunately, insurance companies make their profits by collecting premiums while denying claims. This means that they will find any excuse possible to avoid issuing payment. In many situations, this violates state laws or your rights as a consumer. Let an experienced personal injury attorney help.

A Melbourne homeowners insurance claim lawyer can help you enforce your insurance policy. This includes evaluating the language of your contract and the stated reason for denial. Our specialists can also work to assess the actions of your insurer and recommend a path forward that brings the best chance of success. Reach out today to schedule a free consultation. There are no upfront costs; we only make money if we successfully recover for you.

Homeowner’s Insurance Policies are Contracts under the Law

Purchasing a homeowner’s insurance policy means that an individual is entering into a contract with the insurance company. In exchange for the receipt of a premium, the insurer is supposed to provide cash payments when a covered loss occurs. Sadly, disputes over whether a loss falls under the umbrella of an insurance policy are common. Disputes can often arise concerning:

  • The on-time payment of premiums
  • A homeowner’s prompt reporting of a loss
  • The nature of the loss
  • Whether the homeowner provided accurate information on an insurance application

The insurance company’s denial of payment must include specific information about the reason for the denial. This can allow a Melbourne homeowners insurance claim attorney to evaluate the language of a policy and compare it with the stated reason for disapproval. If it appears that the denial violates the policy, our attorneys can demand the payment of benefits through a breach of contract lawsuit.

Many Denials on Homeowner’s Insurance Policies Violate State Law

State law strictly regulates the insurance industry. One significant aspect of this regulation addresses how insurance companies must deal with their customers when they make a claim.

In general, Florida Statute § 624.155 requires insurance companies to act in good faith when dealing with their customers. More specifically, it is a violation of state law for an insurance company not to make a fair settlement offer when liability is reasonably clear or not attempt to settle a claim from the outset. Our attorneys have decades of previous experience working for insurance companies. We can utilize this prior inside knowledge to recognize the common ways that they try to avoid their obligations and will work to prove this in court if necessary.

Speak with a Melbourne Homeowners Insurance Claim Attorney Immediately Following a Denial

All homeowners should be able to rest assured knowing that their insurance policies provide protection in case of a catastrophe. Unfortunately, the insurance companies writing these policies make their profits by denying claims whenever possible. In some cases, this may violate state prohibitions against bad faith business practices or constitute a breach of a customer contract.

At Norden Leacox, our attorneys are prepared to provide a specific analysis of your situation. We can then recommend a path forward that meets your individual needs and is tailored to the facts of your case. Give us a call today to schedule your free consultation.

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