How Can A Daytona Beach Residential And Commercial Property Damage Lawyer Help?
If your home or business has been damaged from a storm, fire, or other event, the only reassurance you may have is knowing that you are covered by insurance. This may make you feel as though obtaining the coverage you need will be fairly easy. Unfortunately, that is not usually the case. Insurance companies are big businesses, and they prioritize their own profits over helping property owners in their time of need. After any event that damages your home, it is critical that you speak to a Daytona Beach residential and commercial property damage lawyer. Below are just a few of the main ways in which an attorney can help.
Review Your Insurance Policy
Of course, your insurance policy is critical to any claim you file, but these policies are not always easy to understand. A lawyer can review your policy to determine what damage is covered, and what is excluded. A lawyer will not only look to determine if damage from a storm, fire, or hail is covered, but also other items too, such as your personal belongings and furniture. After fully reviewing your policy, a lawyer can advise on the exact coverage you are entitled to, which can make negotiating with the insurance company easier.
Advise You of the Law
There are many laws that regulate the insurance industry and that are meant to protect consumers. For example, your insurer must review and acknowledge your claim within 14 days of receiving it. They then have only 90 days to pay your claim in full, although there are certain exceptions to this law. A Daytona Beach property damage lawyer can advise you of all the laws that apply to your case so you are fully protected.
Negotiate with the Insurer
Obtaining coverage from any insurance company is usually a game of back and forth. The insurer may make an offer right away, but it will likely not be enough to fully cover the cost of damage. Negotiations then begin where counter-offers are made between the two parties. Entering into negotiations is not easy for those who do not have the experience they require. A lawyer will negotiate on your behalf so you obtain the full coverage you need.
Obtain Coverage Faster
Insurers know that when a home or business owner has legal representation, it is going to be much more difficult to unfairly deny or delay a claim. As such, insurance companies often do not try the many tactics they usually use when the policyholder is working with an attorney. This eliminates much of the delays that occur in these claims and will help you obtain the coverage you need faster.
Our Residential and Commercial Property Damage Lawyers in Daytona Beach Can Provide the Representation You Need
Dealing with the insurance company after your property has been damaged is never easy. At Bundza & Rodriguez, our Daytona Beach residential and commercial property damage lawyers know how to go up against the big insurers so you obtain the full coverage you are entitled to. Call us now at 386-252-5170 or reach out to us online to schedule a free consultation.