Insurance Lawyer in Gainesville, FL

As a Florida homeowner or business owner, you are legally obligated to carry insurance to protect you in case of unexpected damage or loss. But unfortunately, insurance companies are not always willing to fulfill their legal obligations when it comes time to pay out a claim. The process of dealing with an insurance adjuster can be contentious if you demand to be paid what you are rightfully owed.

However, even pushing back on lowball offers won’t immediately net a fair settlement because insurers have been at this game for decades and are laser-focused on resolving claims as quickly and inexpensively as possible. 

Your claim will likely be no different, but our law offices are familiar with the legal process and are ready to take on the insurance companies. 

If you are dealing with damaged property and planning to file a claim with insurance companies, let us help you. 

Many people believe that they need to take complete legal action by filing a lawsuit before they need to hire a Florida insurance lawyer. The reality is that lawyers often work with clients to reach a compensation settlement without ever having to file a lawsuit.

Giving insurance papers

We’re Here To Help You Work With the Insurance Company

Working with an experienced and knowledgeable insurance attorney can be your best resource in helping you get the rightfully owed compensation from your insurer. At Florida Home Claim P.A., we have years of experience representing homeowners and business owners alike during their insurance claims.

When you are partnered with an experienced insurance lawyer as you navigate your property damage claim, you can stay focused on getting your home or business back up and running while we handle the administrative work for you. 

While it may seem simple enough to collect evidence of your property damage, compile a list of estimates, invoices, bills, and losses, and submit it to the insurance company, the fact is that this isn’t enough. When people follow the insurance company’s lead in good faith, they walk away with much less money than they are entitled to. 

You have paid diligently into your Gainesville insurance policy for years, and you have every right to demand the money you need to ensure that all of your losses are covered. 

How An Attorney Can Help With Your Insurance Claim

At Florida Home Claim P.A., our legal team has extensive experience helping clients win their property damage claims and receive the reimbursement that they are due. 

We can help you negotiate better settlements, whether it’s dealing with your insurance company directly or filing a lawsuit against them. If you have already filed, are planning to file, or are dealing with a denied insurance claim, any of these situations will benefit from the support of our law firm.

Don’t let an insurance company determine the future of your family or business as you work to recover from property damage, whether due to natural disasters or other unforeseen circumstances.

Call us today, and let us help you get the money that is rightfully yours. We serve the Gainesville area to ensure that all homeowners and business owners have access to legal counsel when they need it most. We pride ourselves on our history of success when dealing with insurers. Contact us now for a free consultation with an experienced lawyer in Gainesville, FL.

House damaged by tree

Frequently Asked Questions About Insurance Claims

The following questions are some of the most common we answer for business owners and homeowners alike, both during our free initial consultation and throughout the work we do together. 

Keep in mind that the answers provided below are very general, and your individual case will have nuances that we will need to explore during our work together to provide a clear answer to your questions.

What kinds of cases do you usually handle?

We handle various insurance claims, ranging from flood and fire damage to other types of property damage caused by natural disasters or negligence. We also handle commercial insurance claims involving business interruption, damages, and other losses stemming from property damage.

Can I get reimbursed for an item even if it was not listed in my insurance policy?

The answer to this question is highly case-specific, but in many instances, you can. Depending on the items that were damaged or destroyed and the value of those items, you may be able to receive money for them even if they are not specifically covered by your insurance policy — as long as they are not specifically excluded. 

An experienced insurance attorney can help negotiate a settlement that includes items and losses not officially listed in your policy. 

Will I have to pay the full cost of my damages if my claim is denied?

Not necessarily. An insurance company denying an insurance claim does not mean that the policyholder is necessarily responsible for the entire cost of the property damages. If your insurance company has denied your claim, it could be due to an error in their processing or a misunderstanding of the facts. 

The team at Florida Home Claim P.A. will be able to review your case during a free consultation and give you a better idea of how we can help you move forward. Oftentimes after a denial, we will work to rebut the insurance company’s initial decision and negotiate a fair settlement on your behalf. 

Do I need an attorney if my insurer agrees to pay my insurance claim?

There is no law in Florida, or anywhere else in the United States, that requires claimants to partner with a lawyer to file an insurance claim. The truth is that having an experienced attorney on your side can make a big difference when it comes to getting the compensation you deserve. 

Insurance companies have teams of adjusters and lawyers working to minimize their payouts. Having someone who understands the law on your side can help ensure that you get the money you are rightfully owed. 

How much is my property damage claim worth?

The value of any given property damage claim depends on a variety of factors, including the severity of the damage. Other things we must account for include certain types of other losses, such as business disruptions, the cost of recovery services, and more.

An experienced attorney can help you determine the exact value of your claim and negotiate with your insurance company to ensure that you get the compensation you deserve. 

It is not uncommon in other cases we’ve handled that the insurer will aggressively deny our counter-offers and will require negotiation to close the gap between our figures and their settlement offer.

3 People in a meeting

Should I accept the insurance company’s initial offer to compensate me?

Many people who partner with insurance claim lawyers after receiving an initial offer from the insurance company are shocked to see the difference between the settlement offer and their attorney’s calculations about what they are owed. 

Insurance claims are not designed by the insurance company to pay the full amount that the policyholder is owed; instead, the insurance company will work to pay as little as possible.

Working with our law offices means that you have attorneys working in your best interests who refuse to accept inadequate money from the insurance companies. When the insurance company acts in bad faith and either denies you coverage or comes back with a lowball offer, we will be ready to fight for your interests.

Contact Florida Home Claim P.A. Today

At Florida Home Claim P.A., we have seen time and time again that having a knowledgeable attorney on your side can mean the difference between a successful claim and one that falls short. 

Contact us now for a free consultation with an insurance lawyer in Gainesville, FL. We’re here to help you get the compensation you deserve.