When Hurricane Ian hit, many homeowners needed to file homeowner's insurance claims. You might expect your insurer to simply send you a check to cover all your repairs and losses, but this rarely happens so easily. Insurance companies are processing many Ian-related claims, and they will try to limit liability whenever possible.

If your insurer makes a settlement offer that is far lower than you deserve, you should hire an insurance claims attorney to negotiate a higher amount. Your lawyer can present evidence of your expenses and losses to hopefully get a sufficient offer for you. If your insurer does not make a fair offer, the last resort is filing a lawsuit to dispute the settlement offer and seek the full amount you need for your home repairs.

There is another situation when you might want to file a lawsuit against your homeowner's insurance company, which arises when the insurer acts in bad faith. Bad faith can mean unreasonably delaying or denying your claim without reason. Insurers might fail to investigate your claim or take other action that goes against the terms of your policy.

Many insurance claims do not require lawsuits. However, when it becomes time to seek your insurance payment through the civil courts, you want an experienced litigator on your side. The right attorney can advise when a lawsuit is appropriate and represent you through every stage of the litigation process, which can be highly complicated.

Speak with a Florida Insurance Claims Attorney

Diane Zimmerman is a Florida insurance claims lawyer who helps Florida property owners obtain the insurance benefits they need. If you need to file a claim, negotiate a higher settlement, or appeal a denial, do not wait to send our law firm a message online or call us today at 866.210.0446 for a no-cost consultation.