First-Party Property Damage Claims in Florida: Zeidwig Law's Guide to Getting What You Deserve
Navigating first-party property damage claims in Florida can be complex, especially when dealing with insurance companies that may attempt to minimize payouts. At Zeidwig Law, led by experienced trial attorney Gary M. Zeidwig, we are committed to guiding clients through these challenges to secure the compensation they rightfully deserve.
Understanding First-Party Property Damage Claims
A first-party property damage claim arises when a policyholder seeks compensation from their own insurance company for damages sustained to their property. In Florida, such claims are prevalent due to natural events like hurricanes and storms. Common types of property damage include:
- Fire and Electrical Damage: Florida's frequent thunderstorms can lead to power surges and electrical fires.
- Water Damage: Issues such as burst pipes or appliance malfunctions are typically covered, though gradual leaks may be excluded.
- Wind Damage: Strong winds can cause significant harm to roofs and structures; however, coverage may vary based on the storm's severity.
- Mold Damage: High humidity levels contribute to mold growth, which can cause structural damage.
- Criminal Acts: Damages resulting from burglary, theft, or vandalism are often included in policies, albeit with certain limitations.
Steps to File a First-Party Insurance Claim
1. Ensure Safety: Prioritize the well-being of yourself and others.
2. Contact Authorities: Report the incident to law enforcement or relevant agencies to create an official record.
3. Consult Zeidwig Law: Before engaging with your insurer, consult with our legal team to strategize your claim effectively.
4. Notify Your Insurer: Inform your insurance company about the damage promptly, adhering to policy timelines.
5. Document the Damage: Collect evidence such as photographs, videos, and detailed inventories of affected property.
6. Submit Required Documentation: Provide all necessary documents to support your claim, ensuring accuracy and completeness.
How Zeidwig Law Can Assist
Insurance companies may employ tactics to undervalue or deny claims. With over 20 years of experience in civil litigation throughout Florida and federal courts, Gary M. Zeidwig has a proven track record of advocating for clients against insurance providers. Our firm offers:
- Expert Negotiation: We engage directly with insurers to pursue fair settlements.
- Thorough Investigation: Our team meticulously examines the extent of property damage to build a robust case.
- Legal Representation: Should negotiations stall, we are prepared to litigate to protect your interests.
At Zeidwig Law, we understand the stress and uncertainty that accompany property damage incidents. Our goal is to alleviate that burden by providing comprehensive legal support tailored to your unique situation. If you're facing challenges with a first-party property damage claim, contact us to schedule a consultation and learn how we can assist you in achieving a favorable outcome.
www.zeidwiglaw.com