Property Insurance Claims

Overview

For most people, their home is their biggest investment.

As such, many Floridians go to great lengths to protect their home by faithfully paying their property insurance premiums with the expectation that their insurance company will be there for them in the event something goes wrong. Unfortunately, insurance companies sometimes value profits more than people and choose to view insurance claims as an opportunity to “haggle” with policyholders in an effort to underpay or even deny legitimate claims.

Having competent legal representation during the claim process can help to ensure you receive full compensation for your loss. The lawyers at Kuhn Raslavich can help you navigate the claims process by reviewing your policy, preparing and submitting your claim documents and advising you during critical phases of the claims process such as site inspections and examinations under oath. Most importantly, having legal representation strengthens your ability to file a lawsuit in the event your claim is ultimately denied or underpaid.

At Kuhn Raslavich, our team of attorneys has over two decades of combined experience litigating insurance claims in Florida. If you have suffered a loss to your home or business and are considering filing an insurance claim, or if you feel that your insurance claim is not being handled properly. Call us today. call us today for a free, no obligation consultation.

The Law You Need To Know

When an insurance company refuses to honor its obligations under an insurance policy, the insurance company has breached its contract. When those obligations are owed to the policyholder, the insurance company's breach is known as a "first-party" breach. In this scenario, the policyholder can bring a claim for breach of contract against the insurance company.

So what's the big deal about "first-party claims"? Florida Law, specifically Section 627.428, Florida Statutes, provides for "fee-shifting" in first party insurance disputes. This means that if we recover money from an insurance company on your behalf, the insurance company must also pay the associated attorney's fees. In other words, we do not take a dime of your recovery. Instead, the insurance company pays your claim to you, and pays our fees to us. Win, lose or draw, we never charge you any fees or costs.

Reasons To Call Kuhn Raslavich

If you have suffered property damage as a result of water damage, fire, or hurricane, CALL KUHN RASLAVICH FIRST...not your insurance carrier. Kuhn Raslavich charges no fees unless you get paid! We will deal with the insurance company on your behalf so you do not have to worry about setting up a claim or getting paid adequately.  As an illustration of why hiring Kuhn Raslavich would be beneficial, consider this common occurrence:

  1. A hurricane badly damages your home.
  2. You call your insurance carrier who sends out one of their own adjusters to estimate the amount of damage.
  3. You accept the amount estimated by the insurance carrier, not knowing that it is extremely undervalued because the insurance company is trying to pay the least amount possible to settle your claim.
  4. As a result, you do not have enough money to repair your home properly.

We will come to your home and estimate the true value of the damage, which is often much greater than what the insurance company has determined. We will then gather all necessary paperwork and submit the claim to your insurance company. Once submitted, we help you along step by step and negotiate the claim in an effort to maximize your recovery.

Since filing a homeowner’s insurance claim is not a common occurrence, many homeowners do not know where to start. Many believe that their insurance company works for them, and is looking out for their best interest; however, insurers DO NOT represent homeowners and ARE NOT looking out for their best interest. Insurers are FOR PROFIT CORPORATIONS that are trying to pay the least amount possible to resolve claims.

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