PROPERTY INSURANCE CLAIMS
Termite damage to a property can be devastating. Termites can damage the structural integrity of buildings, making it unsafe for the occupants. Navigating an insurance policy to determine whether or not coverage exists is difficult and often warrants the services of experienced attorneys.
You do not need to deal with the stress and anxiety that a termite infestation causes alone. Your Florida termite claims attorney can help you with important aspects of your insurance claim so you are able to focus on saving and restoring your home and its furnishings. In particular, your termite claims attorney should be able to:
- Review your policy and determine likely coverage. Insurance policies are not reader-friendly documents and it can be difficult for individuals to determine exactly what coverage they have following discovery of a termite infestation or termite damage. An attorney is able to review your policy documents and advise you of what coverage you are likely entitled to before you file your claim.
- Advise you of problems or difficulties with your claim. In reviewing your policy and the facts of your unique situation, your attorney will likely obtain a good understanding of what possible defenses to payment your insurance company may raise. Knowing in advance what your insurance company may attempt to do can help you avoid unpleasant “surprises” as your claim is presented and processed.
Termites can damage the structural integrity of buildings, making it unsafe for the occupants.
- Present your claim with supporting documentation. Attorneys who have handled termite damage claims in the past know that insurance claims of any type must be timely presented and supported with certain documentation in order to obtain the highest chances of success. Experienced attorneys will know what documentation should be included with your claim paperwork and how to obtain this necessary information.
- Work with your adjustor. Sometimes the adjustor assigned by your insurance company has additional questions or needs to see additional evidence before deciding how to proceed on your claim. Your attorney can evaluate the reasonableness of the request and determine if it is in your best interest to comply with the request. Where the request may be made for purposes of delaying your claim’s resolution, your attorney can speak with the adjustor and encourage the adjustor to act promptly on your claim.
- Evaluate and take action on negative outcomes to your claim. The adjustor may approve your claim for an amount much less than what is needed to fix the termite damage. Or your claim may be denied in its entirety. Your knowledgeable termite damage claim attorney will know how to appeal an unfavorable claim decision and what additional information ought to be presented for the insurance company to reconsider its prior decision.
At Burnett Wilson Reeder, our attorneys have experience reading and understanding these insurance policies in order to determine the best approach to helping our clients.
If your home, business, or commercial property has been affected by termite damage, please contact us for a free consultation. We will discuss the insurance policy with you, whether or not your property was being maintained in a regular treatment program, and the potential damages that you could recover.