In order to ensure you get the payout you deserve after a catastrophic incident that damages your property, it’s important to file your claim on time. But what does “on time” mean?
Below is some helpful information for filing on time, along with what you can do if your insurance provider tries to deny your claim in bad faith.
What is the Statute of Limitations for Property Damage in Florida?
Florida law generally gives you two to four years to file a property damage claim (depending on the specific circumstances). The damage covered may include:
- Hurricane damage (including wind, water, and flooding)
- Fire damage
The four years start when the damage actually occurs. With that said, hidden damage can take a while to become apparent. In cases of hidden damage, the countdown may start when the damage is discovered (or at least when it should have been discovered).
Tips for Filing Your Claim
In order to get the most out of your insurance claim, consider the following tips:
- Collect evidence. This may include photos, videos, and written records. The more evidence you have, the better your chances of getting the right payout.
- Save your correspondence. Whether it be emails or physical letters, make sure you hold onto any communications between your insurance provider and you. You may even want to consider recording phone calls.
- Reach out to a legal expert for support with filing your property insurance claim. An attorney can help you to properly prepare and file your claim. A legal expert that specializes in property insurance law will understand the loopholes insurance providers will try to exploit and can help you to get the best settlement possible.
What If My Insurance Provider Denies My Claim in Bad Faith?
If you file your claim properly and on time, your insurance company owes you compensation. If they refuse to pay your claim in bad faith or try to underpay it, reach out to Colucci Law Group for support.
Colucci Law Group consists of legal experts who provide clients with support to fight bad faith claim denials. We will provide you with an outstanding property insurance lawyer to represent you in a suit against your insurance provider. We are also able to file your claim for you and defend your rights, so you get the settlement that you deserve.
For more information about our property insurance legal services, reach out today. We’d be happy to help you to file your claim or represent you in a lawsuit against your insurance provider.
If you suspect that you are the victim of a bad-faith insurance claim denial, we can help. The Colucci Law Group has the resources to assess the validity of your claim at no cost to you. For a free consultation, email us or call our Dunedin office at 727-733-9438. You may also call our Fort Myers office at 239-378-7800. Our team assists victims of bad-faith insurance claims across the state of Florida.