Hurricanes are a common occurrence in Melbourne and throughout Florida. Property owners can buy special insurance policies to protect themselves against flooding, high winds, and other damage that can result from these powerful storms. These policies are supposed to provide cash payments whenever a hurricane is responsible for property damage. Sadly, the companies that administer these plans do not always payout on claims like they should. They may allege that a customer failed to pay a premium, did not properly file a claim, or that the damage is not covered under the policy.
A Melbourne hurricane insurance claims lawyer can help you collect what you deserve from insurance companies. Our seasoned insurance attorneys have significant prior experience dealing with insurers and are specialists in obtaining proper benefits. This can include seeking enforcement of an insurance policy, demanding compensation through settlements, or bringing lawsuits to local courthouses that seek relief. Get in touch with our office today to learn more.
Florida strictly regulates the actions of insurance companies. At the core of these regulations is the legal obligation for insurers to act in good faith toward their customers pursuant to Florida Statute § 624.155.
As it applies to hurricane damage claims, insurance companies may violate this law in numerous ways. They may fail to appropriately respond when a customer reports a loss or misrepresent the provisions of a policy when selling it to a customer. In other situations, they might fail to offer a proper settlement figure when liability is clear or delay payment after signing paperwork. In any of these circumstances, an individual would be able to pursue civil action against the insurer. A Melbourne hurricane insurance claims attorney can take the lead in seeking fair compensation after an insurance company acts in bad faith.
Even if it does not appear that an insurance company has acted in bad faith, it may still be possible to demand policy enforcement and receive compensation through a lawsuit. The direct way to accomplish this is to prove that an insurance company has breached a contract.
Insurance policies are contracts. This means that an insured who believes that an insurance company has improperly failed to provide benefits under a policy can ask a court to enforce that contract. In most situations, this means demanding payments under the terms of the policy.
A hurricane insurance claim attorney in Melbourne can help pursue these lawsuits in civil courts. This could result in the receipt of compensation through a settlement or a jury verdict that helps property owners to cover their losses after a damaging storm.
Hurricanes are among the most devastating natural disasters that can impact the residents of Melbourne. If you have an insurance policy that you believe covers your losses after these events, but the insurance company fails to provide compensation, you may have the right to seek legal remedies.
A Melbourne hurricane insurance claims lawyer can help you seek the insurance payouts that you need. The initial consultation is always free, and we do not charge for our services if we do not obtain compensation for you. Reach out to our office today to get started.