Property Insurance Attorney in Miami Florida
The consequences or aftereffects of a hurricane, storm, fire, or pipe burst is great enough to manage without complications from your insurance provider. Gasso Law stands up to large insurance companies. If you have filed, or need to file, a homeowners’ insurance claim, Gasso Law will make certain your rights are fully protected and will pursue the greatest amount of payment.
Gasso Law represents homeowners across South Florida in all types of property damage claims. We negotiate and litigate zealously for our clients to help them recover the compensation they need to rebuild their homes. Gasso Law offers full support and guidance as we protect your interests.
An outright denial of a homeowners’ insurance claim may endanger you, and your family’s, financial strength and security. It will hurt your ability to rebuild after a series event causing property damage. During this unstable time, your insurance company may not want to pay out full compensation. Gasso Law is here to help.
When insurance providers look after their own interests over your interest, Gasso Law is here to guide, protect, and fight for you. We take care of all homeowners’ property damage claims. Our main objective and desire is to recover full payment which will cover all losses to make you whole.
The Homeowner Claims Bill of Rights and Your Responsibilities:
1) Your insurance company must send you an acknowledgment of your insurance claim within 14 days after you submitted the claim.
2) Within 30 days after you have submitted a complete proof-of-loss statement, if requested in writing, your insurance company must send you conﬁrmation that your claim is covered in full; partially covered; denied; or being investigated.
3) Within 90 days, you should receive full payment; payment of the undisputed portion of your claim; or a written denial of your claim. Please note, if there is dual interest in the claim, i.e. your mortgage company may be a party, this payment may be submitted to both parties.
4) You may be eligible to participate in a free mediation to resolve your disputed claim by contacting the Florida Department of Financial Services, Division of Consumer Services.
5) You may be eligible to participate in a free Neutral Evaluation to resolve your disputed claim if your claim is for damage caused by a sinkhole and is covered by your policy
6) Contact your insurance company before entering into a contract for repairs to ensure you adhere to the repair provisions included in the policy.
7) Make and document emergency repairs that are necessary to prevent further damage. Keep the damaged property, if feasible; keep all receipts; and take photographs of damage before and after any repairs.
8) Carefully read any contract that requires you to pay out-of-pocket expenses or a fee that is based on a percentage of the insurance proceeds that you will receive for repairing or replacing your property.
9) Conﬁrm that the contractor you choose is licensed to do business in Florida. You can verify a contractor’s license and check to see if there are any complaints against him or her by calling the Florida Department of Business and Professional Regulation. You should also ask the contractor for references from previous work.
10) Require all contractors to provide proof of insurance before beginning repairs.
11) Take precautions if the damage requires you to leave your home, including securing your property and turning off your gas, water, and electricity, and contacting your insurance company to provide a phone number where you can be reached.
Our Insurance Claims Process:
1) Your insurance claim process starts with us and our legal assistants working with you to understand what happened, gather documentation, and determine what else needs to be done to stabilize the situation. We submit your claim to the insurance company. Document all of the damage with pictures, videos and notes. Do not throw away damaged materials.
2) We’ll send our expert adjusters to inspect your property. Our adjusters are detailed, diligent, and accurate, and will spend the time it takes to make a comprehensive and proper evaluation of your property to prepare an estimate of the amount necessary to repair all of the damage.
3) We use our adjuster’s estimate of the damage, along with other items which may be allowed under the terms of your policy and their experience to prepare a demand package for the insurance company. We let them know the amount you should be paid.
4) The insurance company may request that you comply with post loss obligations under the policy. We will lead you through all of the details, establishing your claim. Here is where we put together the facts and law to negotiate with the insurance company.
5) Once your case is settled with the insurance company we will work to get your check.
6) Filing a lawsuit may not be necessary. However, if your insurance provider denies or underpays your claim, we will file a lawsuit on your behalf. Gasso Law has the experience and are prepared to take your insurance provider to court.