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Property Damage Insurance

Insurance claims adjusters spend all day, every day, evaluating claims of property damage and deciding how much money policyholders are entitled to, whether they should rebuild or replace, and other critical aspects of the policyholder’s claim. They are experts in this business; you are not. If you want any chance to have an equal say in what happens to your claim, be sure to get an attorney on your side who is as talented and skilled as the lawyers on the other side. At Velasquez & Associates, our job is to look out for your best interests in the claims process. This means seeing that your claim is fully paid in a timely manner, resolving any disputes that come up and making sure you are treated fairly and your important rights are protected.

Let Velasquez & Associates deal with the insurance company on your behalf. We can assist you from the very start with filing your claim, and we’ll be with you every step of the way. With an experienced Miami insurance lawyer on your side, your claim is likely to be processed faster, with less runaround, delays, denials or disputes. If a claim is denied or underpaid, we’ll be prepared with the proper response. Our lawyers gather the appropriate documentation and evidence and bring in the appropriate experts to prove the company’s liability to you.

Whether your claim involves residential or commercial property, you need your premises repaired now; you need your home or business livable or operable as soon as possible, and our aim is to work diligently toward that goal. For good faith coverage disputes or bad faith insurance practices in Miami, call Velasquez & Associates for effective assistance.

Insurance Coverage Disputes

The Insurance company may dispute issues of both liability and damages when you file a property damage claim. They may first assert that your loss is not a covered loss under your policy, and even if they do admit liability, they will often fight over the proper assessment of the damages. Insurance policies are complex legal documents, and important terms are often buried in piles of legalese. We know how to read and interpret insurance contracts and make sure you get the benefit of the insurance you bought and paid for. Our firm is familiar with appropriate property value assessment techniques and important Florida insurance laws like the Valued Policy Law, which guarantees policyholders the actual amount of loss up to the full value of their policy in the event of a total loss from a covered peril or even partial loss from fire or lightning. The insurance company may prefer you rebuild at less cost to them, but we know your rights and the laws that the insurance company doesn’t tell you about.

Bad Faith Insurance

Not all disputes are in good faith on the part of the insurance company. While it is reasonable to expect them to carefully investigate your claim to make sure it is valid and that they only pay what they are supposed to, actions taken solely for the purpose of denying or underpaying a claim are unreasonable, and insurance companies can be held liable for the damages caused by their bad faith actions. Velasquez & Associates takes on insurance companies who conduct themselves in bad faith regarding insurance property damage claims, including:

  • Failing to pay valid claims
  • Delaying payment without a legitimate reason
  • Paying an unreasonably low amount on a claim
  • Failing to investigate the claim in a complete or timely fashion
  • Requiring an unreasonable number of estimates, statements or other documentation from the policyholder
  • Denying a claim without providing a written explanation as to why the claim was denied
  • Rescinding a policy to avoid paying a claim

Help with Property Damage Insurance Claims in Miami

Let our Miami property damage insurance lawyers make sure you get the full value of your claim in a timely fashion. If you are preparing to file a property damage insurance claim in Miami, or if you have already filed a claim and are experiencing difficulties with your insurance company, call Velasquez & Associates at 786-776-0130 for a free consultation. You won’t pay us a dime if we can’t recover for you.

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