First Party Property Disputes

Property Claims

Insurance policies are meant to protect the assets that are most important to you and your family. Since insurance policies are expected to safeguard your property and possessions from damages, accidents, liabilities, and other incidents, we trust them to honor and fulfill their part of the deal. Unfortunately, sometimes insurance carriers do not meet their end of the bargain. They have been known to do the following:

• Delay compensation for no legitimate reason
• Deny compensation for no legitimate reason
• Purposely fail to acknowledge a claim
• Fail to reply to a claim
• Fail to provide an explanation for a denied claim
• Fail to provide an explanation for an underpaid claim
• Fail to provide a proper claims investigation
• Try to settle a claim for an unreasonable amount

General Information:

• Insurance Deductible Disputes, Low Settlement Offers, & Denied Claims
• Preventing Insurance Denial After Hurricane Damage
• Insurance Claims & Disputes For Hurricane Damage In Florida: Understanding Your Options
• Not Having a Home Inventory – What That Is And Why It’s Important If You Can Or Should Have a Complete Home Inventory on Hand Before You’re in a Position to File a Home Insurance Claim?
• Not Maintaining Your Property – What Are Some Examples Of Neglecting To Maintain A Home That Can Lead To Problems That Would Not Be Covered By Your Home Insurance?
• Not Being Clear in Your Claim – What Are Examples the Policyholders Are Unclear about When Describing the Damages to Their Property? How Can This Be Avoided?
• Attempting To Resolve a Denial Without an Attorney – What Are the Most Common Reasons That Home Insurance Claims Are Going to Be Denied in the First Place?
• Will My Insurance Company Reimburse Me For The Actual Value Of My Properties Before The Damage Occurred?
• Why Do Some Insurance Companies Knowingly Break the Law Or Policy And Risk Having to Pay Additional Bad Faith Damages in Addition to the Value of the Claims?
• What Are The Most Common Types Of Claims That Property Owners Are Filing In Florida?
• What Should Happen From This Point If All Parties Were Playing Fair And The Claim Was Going To Move Forward Approved Improperly?
• Is It Typically True That The Greater The Amount Of Damage The Longer It Probably Will Take For The Insurance Company To Act Or Approve Or Deny A Claim?
• In Order To Ensure A Provider Has Committed An Act Of Bad Faith, What Are The Major Requirements That Need To Be Met By The Property Owner?
• What Are Damages That Are Generally Sought And Could Be Won In A First-Party Insurance Claim Dispute?
• I Was Behind On My Payments When My Property Suffered Damage, Can I Still File A Property Damage Claim?
• What Tactics Do Insurance Companies Try To Use To Undervalue Or Deny Property Damage Claims?
• What Exactly Is a First-Party Insurance Claim?
• Should Someone Hire an Attorney to Help File a Property Claim or Should They Wait Until They’re Denied Before Bringing Legal Action?
• What Are Potential Resolutions to First-Party Insurance Disputes? Will We Take Our Case to Court?

Reimbursement For The Actual Value Of My Property Prior to Damage

When your property is damaged, you expect your insurance company to provide compensation that reflects the actual value of your property before the incident occurred. However, insurance carriers often fall short of meeting their obligations, leading to frustrating experiences for policyholders. At Payne Law, PLLC, we understand the challenges you may face in obtaining fair reimbursement for your property.

Our experienced property claims lawyers have dealt with various scenarios, including insurance carriers delaying or denying compensation without legitimate reasons. We can assist you if your insurance company:

• Fails to acknowledge or reply to your claim promptly
• Provides insufficient explanations for denied or underpaid claims
• Attempts to settle for an unreasonable amount
• Neglects proper claims investigation

We also address common concerns that property owners in Florida may have, such as the types of claims frequently filed and the potential damages sought in a first-party insurance claim dispute.

Insurance Claims And Property Damage

Dealing with insurance companies can be a daunting process, particularly when they engage in bad faith practices that hinder fair claim resolution. At Payne Law, PLLC, our skilled insurance claims attorney can guide you through the complex insurance procedures and help you overcome the challenges you may encounter.

We have successfully handled a wide range of insurance claims, including those related to property damage caused by water, fire, storms, fallen trees, and more. Additionally, we have experience with denied property claims, life insurance claims, medical insurance claims, auto insurance claims, and other disputed matters.

Insurance carriers are legally bound to honor the terms of your insurance policy. However, when they fail to comply or engage in bad faith practices, seeking legal recourse may be necessary. Our insurance claims attorney will evaluate your case thoroughly, identify potential bad faith practices, and determine the best course of action for your situation.

If your claim has been denied or undervalued, we will work diligently to hold the insurance company accountable and pursue the compensation you deserve. Contact Payne Law, PLLC, for a personalized case evaluation, and let us fight for your rights.