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Margery E. Golant, P.A.
Florida Insurance Claims Law Firm
By effectively leveraging Florida’s unique insurance consumer protection laws, we level the playing field for policyholders who have been mistreated by some of the largest, most powerful, and best funded corporations in the world.
When a policyholder who has faithfully paid insurance premiums submits a claim to his or her insurance company, the policyholder has a right to expect that the company will act in good faith and honor the validity of the claim. Quite often, that is not the case and the insurance company fails to do what is right by not honoring the claim. Disputes often arise after an insurance company denies a valid claim, many times without a legitimate reason or explanation. Margery E. Golant, P.A. is committed to helping policyholders with insurance claims when a significant property loss has occurred.
Every region of the country has distinct issues that cause risks to homeowners’ properties. Typically, in Florida, these sorts of losses are caused by hurricanes, tropical storms, floods, fires, water damage from broken pipes, sinkholes and other serious hazards. The West Coast of the U.S. is afflicted by earthquakes, forest fires and droughts, and the Central U.S. deals with tornados.
Some insurance companies routinely deny, delay and/or underpay claims. Policyholders may not understand the extent of the loss, or even whether the loss is covered by their policy. Very often, policyholders disagree with their insurance company about the correct value of their loss or damage. Larger claims typically face greater scrutiny from insurance adjusters than smaller claims due to the additional complexity and larger cost to the insurer. Claim delay and/or denial can cross the line into insurance bad faith.
When pursuing or settling an insurance claim, it is critical to understand the extent of, and cost, to properly restore your damaged property. Equally important is understanding what is and is not covered by your insurance policy and what your deductibles are, so that you can make sure you achieve the maximum recovery provided for by your policy. We will assist you in getting a grip on these issues, understanding all of the terms and exclusions of your policy, and help you obtain appropriate payment from your insurance company.
How an Insurance Claim Law Firm Can Help You with Your Florida Property Loss Claim
Most property owners do not realize that in Florida, they are able to retain an experienced attorney to enforce their rights and their legal remedies. If you retain a law firm to assist you in pursuing a claim when you are unable to resolve a dispute regarding the value or extent of coverage of your insurance claim, if we succeed, the insurance company will have to pay some or all of your attorneys’ fees. So, there is no risk hiring a knowledgeable attorney to assist you in this situation. In most cases, a successful outcome is often accomplished without any attorneys’ fees being paid by you.
Insured property owners have legal remedies against their insurance company if the company fails to pay the claim in a timely manner, if the claim is not properly handled, if the insurance company wrongfully denies a claim, or wrongfully offers you a settlement that is too low. Insurance companies often defend against a claim by claiming that your loss is either not covered, that you misrepresented facts in your original application, that you made errors in making the claim, or that you committed insurance fraud. We are dedicated to advocating for you against these outrageous practices. We will review and analyze your policy language and your claim, and will evaluate and dispute the position taken by the insurance company. While in certain cases, disputes can be resolved when the file is properly supplemented, some insurance companies routinely act in bad faith to wrongfully deny or delay a claim.
If you are having a problem with your property damage claim, contact us today. We are a tenacious and aggressive insurance law firm standing ready to utilize Florida’s insurance laws, dedicated to helping insured policy holders receive full compensation.
Your Rights and Property Insurance Law in Florida
627.7142, Florida Statute requires each Florida insurer issuing a residential insurance policy to provide a “Homeowner Claims Bill of Rights” to every such policyholder within 14 days after receiving an initial communication involving a claim. However, this document is only an attempt to summarize your rights in connection with claims of loss. Relying on it can make your situation worse. It does not represent all of a policyholder’s rights under Florida law regarding the policy, and because law and legal strategy are usually much more complex than they appear on the surface, attempts to navigate this complex area of law on your own is potentially dangerous and counter-productive.
Please DO NOT try to go this alone. This is exactly what the insurance company hopes you will do. It is a tremendous mistake and you will play right into its hands unless you bring knowledgeable help onboard to take it on. If you have questions about a claim and believe you might need legal assistance, reach out to us. We are here to help.
With locations in Coral Springs, Coconut Creek, and Boca Raton, the law firm of Margery E. Golant, P.A. serves South Florida including the communities of Deerfield Beach, Coral Springs, Coconut Creek, Margate, Lauderdale Lakes, Pompano Beach, Tamarac, Oakland Park, Lauderhill, Plantation, Sunrise, Fort Lauderdale, Hollywood, Dania Beach, Davie, Cooper City, Pembroke Pines, Boca Raton, Delray Beach, Boynton Beach, Lake Worth, Greenacres, West Palm Beach, Rivera Beach, North Palm Beach, Palm Beach Gardens and Jupiter, and most of South Florida including Broward and Palm Beach Counties.
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