Orlando Homeowners’ Insurance Attorney
Insurance has been around in some form for at least 5,000 to 6,000 years, according to the Encyclopedia Britannica. And, sure enough, there have been invalid or downright fraudulent claims since insurance was invented. While the system of homeowners’ insurance is designed to make homeownership possible and financially viable for people throughout our society, there are those who either take advantage of this system or submit invalid claims that damage insurance carriers and inevitably raise the price of homeowners’ insurance for everyone else. Here at the law offices of HD Law Partners, our Orlando homeowners’ insurance litigation attorneys have more than 40 years of combined experience assisting clients with all types of insurance claims, which are usually filed here in Florida. We help our clients determine which claims are valid, and which have been exaggerated, disconnected, duplicated, or are the responsibility of another party. By working closely alongside insurers and other investigators, and by reading over policy details, we will help you avoid overpayments and payments that should be entirely denied.
Policy Coverage for Homes and Structures on a Property
Under regulations created by the Florida Department of Financial Services (DFS), homeowners’ insurance is designed to step in after the accidents or unforeseen damages have occurred. Homeowners’ insurance generally covers all structures on a property, including homes, sheds, unattached garages, decks, grandmother suites, and more. Policies may cover some or all of the following types of events:
- Fires;
- Floods;
- Wind and storm damage from hurricanes and tropical storms;
- Hail damage;
- Sinkholes;
- Catastrophic ground cover collapse;
- Falling objects, including tree branches;
- Mold;
- Water damage;
- Structural defects;
- Damages caused by vandalism, including arson.
Homeowners’ insurance also covers third parties in the event of an accident, such as a slip and fall, drowning in a pool, or other injury or death. Yet, like homeowners’ insurance structural damage claims, not all personal injury claims are valid. Another party may be responsible for compensation, the injuries could be exaggerated, or the cause of the injury may have been falsified.
Professional Investigation Into Homeowner’s Insurance Claims
Few homeowners take the time to read through their policies to see what is and what is not covered, and where their coverage limits are set. We investigate exaggerated claims, damages that are not covered under particular policies, fraud, and more. After all, according to the Coalition Against Insurance Fraud, fraud accounts for around 10 percent of property-casualty insurance losses and loss adjustment expenses annually.
Contact an Orlando Homeowner’s Insurance Lawyer for Professional Assistance
While it is true that most insurance claims have no trace of fraud, many are filed for damages that are not covered in the policy, or the compensation asked for is simply too high to repair what was damaged. Here at HD Law Partners, we offer comprehensive legal representation, including everything from investigation services to litigation defense. We are determined to fight over-inflated and unfounded claims, and have proudly served the Orlando and surrounding area for decades. Contact us today at 888-267-5651 to speak with a representative at once and schedule a free consultation.
