Port St. Lucie Insurance Lawyer

When you purchase an insurance policy, you expect insurance companies to act in good faith when it comes to providing your benefits. However, this is not always the case and many Port St. Lucie, FL insurers deny and delay valid claims. If you’ve been offered a low settlement after your injury, then you have an important decision to make. 

If you decide to pursue the fair and just compensation you deserve according to Florida law and the information outlined in your insurance coverage policy, then hiring a Port St. Lucie injuries attorney could be beneficial. Finding an insurance law attorney who can vigorously protect your rights and best interests while reducing your costs can be beneficial. 

Florida Home Claim is a law firm that specializes in residential, commercial, and insurance law. We help clients get the maximum compensation for their damages. Our experienced legal team offers a free case review so schedule a free consultation with us in our Port St. Lucie office right away!

Types of Insurance Claims

Our Port St. Lucie, FL insurance claim attorneys represent people who desire to dispute claims with their insurer. These often include:

  • Homeowners’ insurance claims
  • Business insurance claims
  • Condominium insurance claims or homeowners association claims (HOA claims)
  • Contractor claim disputes
  • Denied insurance claims & property loss disputes
  • First party insurance claims

Residential and  law covers a variety of different case types. That’s why your claims lawyers need to be well-versed in the different types of residential and commercial insurance claims. Product liability, accident injury, and premises liability experience can be especially useful in insurance claims. 

Hurricane Property Damage Claims

Most property insurance companies in Florida cover hurricane damage. However, there are a few aspects of property insurance to keep in mind when seeking damages.

  • Your homeowner’s policy may not cover damage caused by flooding
  • You may not be able to recover damages caused by lack of power, mudslides, or landslides.
  • You may have a separate hurricane deductible.
  • You may have multiple insurance policies covering different types of damages.

A Port St. Lucie hurricane property claim lawyer can help you understand what your policy covers and determine who is liable for your property damage. The coverage you have access to isn’t always based solely on what the insurance company decides to cover. Your Port St. Lucie lawyer is ready to offer assistance when your hurricane relief coverage has been denied. 

Port St. Lucie Insurance Coverages

When you have faithfully paid your premium costs, you expect your insurer to be there when you need them most. If you are forced to deal with a troubling predicament, the stress and anxiety can be compounded if your insurer:

  • Denies your claim
  • Refuses to make a payment
  • Makes an inadequate settlement offer
  • Ignores you and your claim

If you are facing an insurance dispute, contact our Florida Home Claim professionals. Hiring an attorney can be an important decision, but our attorneys don’t get paid unless you win. If you decide to work with us at Florida Home Claim, P.A., we will work tirelessly to ensure you get the coverage you’ve been paying for. 

First-Party Claims

You may experience a first-party matter in Port Saint Lucie when you’re making a claim against your own insurance company.  A typical homeowners’ policy covers damage to the home and its contents as well as additional living expenses and debris removal. A typical commercial policy likewise covers damage to the structures, business personal property, and business income losses. 

If you are involved in a dispute about the value of your claim or have been denied storm damage or hurricane damage, please contact Florida Home Claim. Florida law makes specific previsions based solely on insurance cases, so contact us and a Florida home claim lawyer can provide relevant information on your claim today. 

Third-Party Claims

Third-party matters involve an injured party claiming against the insurer of the third party that caused the injury and damages. If you need a lawyer for an insurance matter, whether for first or third-party matters, please contact Florida Home Claim, P.A. right away. 

Third-party cases typically involve auto accidents, boating accidents, products liability, premises liability, bicycle accidents, and dog/animal incidents. Speak with our Port St. Lucie law office today for a free consultation to discuss your hurricane, first-party, third-party, or another type of claim. 

FAQs About Port Saint Lucie Insurance Law

If you are involved in a Port St. Lucie insurance dispute or if your insurer is not treating you fairly, contact an insurance claims attorney right away. Some of the most common questions we get at Florida Home Claim P.A. regarding insurance claims include the following:

Can an Insurance Company Deny My Claim?

Yes. Insurance companies have the right to deny your claim when you have not fulfilled your end of the deal. This may happen if you have failed to make all of your premium payments. You can also be legally denied coverage when the claim is fraudulent or not covered by your particular policy. 

My Insurance Won’t Pay. Will It Cost Me a Lot To Pursue My Claim?

No, because your insurance lawyer will most likely work on a contingency basis. Not only will Florida Home Claim offer you a free consultation to evaluate your case and determine your options, but you also will not have to pay any fees unless we win.

What Is Florida’s Statute of Limitations?

The statute of limitations is the time limit placed on how long you have to pursue a claim or bring legal action against your insurance company. Different events and policies have different time limits. Generally, the statute of limitations for torts in Florida is four years. However, speak with experienced Port St. Lucie injury attorneys about the specific deadlines pertaining to your case. 

What Is Insurance Bad Faith?

If an insurance company is acting in “bad faith,” a policyholder may be able to file a lawsuit against the company for a tort claim and a breach of contract claim. A tort claim would provide the policyholder with punitive damages. 

Bad faith occurs when your insurer delays, denies, or ignores your valid injury or home insurance claim. Our Port St. Lucie legal office can hold your Florida or Georgia insurer liable and compel them to provide the value promised to you in your insurance policy. 

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What Is My Insurer’s Responsibility?

Homeowners’ policies are a combination of property and liability insurance. Your home and its contents are generally protected from many kinds of weather, fire, theft, sinkholes, accidents, and other incidents that may cause damage under the property terms of the policy.

Under policy liability terms, if an injury occurs on the property, the insurance must provide legal defense if the injured person sues. An insurance attorney may be able to help homeowners, commercial, life, automobile, and other types of insurance policyholders resolve disputes and hold insurance companies responsible for the policies they issue.

Contact Florida Home Claim P.A.’s legal office for a free consultation. Not only do we have experienced Port St. Lucie lawyers standing by to offer assistance, but we also have the necessary knowledge and skills to recover what’s been promised to you.