Recent Posts in Insurance Claims Category

  • How to File an Insurance Claim After a Tropical Storm

    In Florida, tropical storms are a potential threat for every homeowner. These storms can range in severity and duration, resulting in damage to homes and possessions, and threatening the lives of those in the storm’s path. After the storm has passed, you may need to file a claim with your homeowner’s insurance company to get financial compensation for the damages your home sustained. For many ...
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  • Four Reasons Your Insurance Claim May Be Denied

    Whether it is storm/wind damage, flood/pipe leaks, marine damage or fire damage, at Pazos Law Group, we’ve got you covered. Literally! Here are 4 reasons why your insurance claim be underpaid or denied. It is not in your insurance company’s best interest to settle your claim for the highest dollar amount possible. Their in-house adjusters look out for the company FIRST! Their adjusters marching ...
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  • The Importance of Itemizing Personal Property

    How Properly Inventorying Personal Property Can Expedite The Claims Process. If your home has been damaged by a flood, fire, windstorm or any other disaster, it will be critical for you to provide your insurance company with a detailed description of your loss. If you wait until after a catastrophe has hit to inventory your valuables, and put together a detailed list of your may ...
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  • Why Should I Hired A Public Adjuster?

    A public adjuster is an expert that has either worked for an insurance company or has apprenticed with a licensed public adjuster. A public adjuster is an insurance claims specialist who will dig through your policy, asses the damages to your property, draft and estimate using insurance standards for the costs of repair and will negotiate with the insurance company to resolve the claim for the ...
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  • Before You Report A Property Insurance Claim Read This...

    Property owners usually associate the filing of an insurance claim with hurricane or tropical storm related damage. However, many policyholders are unaware that you do not need to go through a major storm to sustain significant damage to your home/business. Every day, insureds across the state sustain damage from plumbing failures, faulty dishwashers, fires, vandalism and other sudden and ...
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  • Roof Damage and the 25% Roof Replacement Rule

    Every year thousands of roofs in Florida sustain substantial damage from wind, hail, lightning or other debris. Many policyholders do not inspect their roof and are unaware of damage until a leak is evident. Whether you own a business or a home, it is imperative that you hire a professional to inspect your roof regularly and after a storm. If you have discovered damage to your roof following a ...
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  • Understanding Your Insurance Policy

    Day after day, I receive questions from clients regarding their insurance policy and what does it cover. In Florida, insurers write two types policies: named peril policy and an all risky policy (a/k/a comprehensive policy). Each policy is different and to determine which is better, varies on a claim by claim basis. You make be asking which policy is better? In a nutshell, here is how they differ: ...
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  • I Have Not Heard From My Insurance Company...What Do I Do?

    In Florida, Fla. Stat. § 627.7013(5)(a) states that a policyholder should receive a coverage decision (i.e. payment or a denial) within 90 days after the insurance company receives notice, unless there are factors that exist beyond the control of the insurance company for not making a decision. Policyholders should mark 91 days on their calendar from the date they reported their claim. Almost ...
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  • Take the Stress Out of Reporting an Insurance Claim

    Every year, various catastrophic weather events impact Florida causing extensive damage to homes and businesses. Whether it may be a tornado in North Florida, hail and wind damage near Tampa, or a hurricane, many residents are unsure on what to do or how to report a claim to their insurance company. Well your in luck! This blog, will provide you with helpful tips in reporting a claim to your ...
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  • Why Doesn't My Attorney Bill Me Hourly to Sue my Insurance Company?

    Many if not every homeowner does not know what to when their claim is denied or drastically underpaid by their insurance company. Every day, a new client of ours is shocked that we do not bill our clients hourly to represent them in battling their insurance company. This is where Florida Statue § 627. 428 kicks in. This statute allows that when an insured prevails in a lawsuit for a denied or ...
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