Homeowners’ Insurance Attorney in Miami
Was Your Claim Denied? Get a Lawyer on Your Side – (305) 770-6838
Did you prepare for the unexpected by purchasing comprehensive home insurance
policies that take care of you in case natural disasters and other incidents
damage your home? Are you now astonished to find that your insurance carrier
is denying, delaying, or underpaying your claim? If you have been paying
your monthly premiums, you deserve to know that the other end of the contract
will be respected when you need help the most.
Every year, Miami is hit with powerful storms, hurricanes, and other forces
of nature, and each year people are denied coverage for little or no reason
at all. Cohen Law can help Miami homeowners fight for the insurance coverage
they deserve and purchased. Our Miami homeowners’ insurance lawyers
are here to back up your claim, uphold your rights, and set you back down
the path to recovery.
Some of the insurance claim cases that we can handle include:
Contact Cohen Law today to discuss your homeowners’ insurance case with a lawyer!
Types of Insurance Claims
Depending on the extent of the damage that your home has suffered, you
may need to file one of four main types of insurance claims. It is important
to understand the differences between the claims and file the right one.
If you file for the wrong type of insurance claim, it can lessen the legitimacy
of your case and reduce your chances of securing the coverage you need
should matters go through mediation or litigation.
Our team at Cohen Law can help you with cases involving:
Total Loss: The most serious of claims, a total loss is filed when your home has been
completely destroyed or is uninhabitable until extensive repairs are made.
It is not uncommon for a total loss to be filed after a category 3 or
stronger hurricane moves across Florida.
Partial Loss: Usually the most common type of filings after a natural disaster, a partial
loss involves property that has been damaged but is still inhabitable
to a certain extent. You may need to file a partial loss, for example,
if flooding thoroughly damages your cellar or first floor but the remainder
of the home is relatively untouched.
Roof Claim: If the damage to your home is entirely isolated to your roof, your insurance
provider may require you to file a unique roof claim. Hurricanes that
draw near your home but do not cross over it can easily strip a roof entirely
of its shingles and tiling, which would constitute a roof claim.
Burglary: Sometimes considered a form of partial loss by some insurance companies,
if you lose property due to theft, you can file a burglary claim. When
you are making a burglary claim, get copies of any related police reports
to include in your file and to keep for your own records.
Let Our Law Firm Help You
Once your insurance provider has not honored your claim or otherwise mishandled
it through insurance bad faith, you could be in for an uphill battle with
a stubborn company. Set yourself down the right path by siding with our
Miami homeowners’ insurance attorneys. We can help you learn the
details of your policy, set up your claim, and prepare for negotiations
or litigation, whatever is necessary.
Call us at 305.770.6838 today to set up your
free initial consultation.