Cutler Bay Insurance Claims Attorneys

Types of Insurance Claim Services

Contact us for the legal representation you need to properly fight big insurance companies to get paid out for the following types of claims:

• First-Party Property Claims
• Mildew Claims
• Smoke Damage
• Flood Damage
• Water Damage
• Vandalism
• Termite Damage
• Theft
• Ensuing Loss
• Roof or Building Collapse
• Auto Accidents

With us on your side, you have the best chance of reaching an amicable agreement between you and your provider without taking it to court. For a primary consultation to go over your case and your contract, contact our team today.

Hurricane & Storm Damage Claims

Living in South Florida means dealing with the constant threat of hurricanes and severe storms. Homeowners and businesses purchase insurance to protect against damage from high winds, heavy rain, and flooding, but unfortunately, insurance companies often underpay or deny claims unfairly.

Common disputes in hurricane and storm damage claims include:

• Underpayment for repairs – Insurers may lowball repair estimates, leaving policyholders unable to fully restore their property.
• Claim denials for pre-existing damage – Insurance companies might argue that damage was due to poor maintenance rather than the storm.
• Exclusions for wind or water damage – Some policies have confusing exclusions that insurers use to avoid paying for losses.
• Delays in processing claims – Adjusters may take too long to assess damage, leaving homeowners struggling with costly repairs.

If your hurricane or storm damage claim has been delayed, underpaid, or denied, legal representation can help you fight for the compensation you deserve.

Business Interruption Insurance Claims

When disasters strike, businesses may suffer significant financial losses due to forced closures, supply chain disruptions, or damaged inventory. Many business owners carry business interruption insurance to cover these losses, but insurance companies frequently challenge these claims to avoid large payouts.

Common issues in business interruption claims include:

• Disputes over coverage – Insurers may argue that the policy does not cover certain types of business losses.
• Delays in payment – Some insurers take months to process claims, leaving businesses struggling financially.
• Disagreements over loss calculations – Insurers may undervalue lost income, reducing the amount paid to the business.

A skilled attorney can negotiate with your insurance provider and take legal action if necessary to recover the full compensation your business is entitled to.

Denied or Delayed Claims

Insurance companies sometimes use stalling tactics, excessive paperwork requests, or vague policy language to delay or deny claims. These tactics can cause financial stress for policyholders who need funds to repair their homes, businesses, or vehicles.

Common reasons for claim denials and delays include:

• Ambiguous policy wording – Insurers may interpret policy terms in their favor to deny claims.
• Unnecessary documentation requests – Requiring excessive paperwork can slow down claim processing.
• Bad faith practices – Some insurers intentionally delay or deny valid claims to avoid paying out.

If your claim has been unfairly denied or delayed, an attorney can hold the insurance company accountable and help you receive the compensation you are owed.

Frequently Asked Questions (FAQs) About Insurance Claims in South Florida

How long do I have to file an insurance claim in Florida?

The time limit to file an insurance claim varies by policy and the type of loss. In Florida, most homeowners’ insurance policies require claims to be filed within one year of the damage. However, it's best to file as soon as possible to avoid complications.

What should I do if my insurance company refuses to pay my claim?

If your insurer denies or underpays your claim, you can:

• Request a written explanation for the denial.
• Gather evidence, including photos, repair estimates, and policy documents.
• Contact an insurance attorney to evaluate your legal options.

Can I dispute the insurance adjuster’s damage assessment?

Yes. If you believe the adjuster underestimated your losses, you can hire a public adjuster or an independent contractor to provide a second opinion. An insurance attorney can also negotiate on your behalf if the insurer refuses to adjust the payout.

What is bad faith insurance, and how do I know if my insurer is acting in bad faith?

Bad faith insurance practices occur when an insurer delays, denies, or underpays claims without a valid reason. Signs of bad faith include:

• Unexplained claim denials.
• Repeated requests for unnecessary documents.
• Unreasonably low settlement offers.
  If you suspect bad faith, an attorney can help you take legal action against the insurance company.

Can I reopen a claim if I already accepted a settlement?

In some cases, yes. If new damage is discovered or you believe the settlement was unfair, you may be able to challenge the settlement or file a supplemental claim. Consulting with an insurance attorney can clarify your options.

Will hiring an attorney speed up my insurance claim?

An attorney can help expedite the process by pushing back against delays, negotiating with the insurer, and filing legal action if necessary. Insurance companies often respond more quickly when they know a policyholder has legal representation.

Do I need to go to court to resolve my insurance dispute?

Not always. Many insurance disputes are resolved through negotiation or mediation without needing a lawsuit. However, if the insurance company refuses to settle fairly, litigation may be necessary to recover the compensation you deserve.

Fight Back Against Unfair Insurance Tactics
If your claim has been denied or underpaid, we can help. Contact us now at (786) 891-6700 to discuss your case.