The Property People
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Property Insurance Claims

Bad Faith

Description

Florida law requires insurance companies to honor the terms of a policy, as it is a binding agreement. You pay valuable premiums in exchange for a promise to be paid fairly for unexpected damage. If the insurance company delays, denies, or undervalues your claim, they may be violating their legal obligations and adjusting your claim in bad faith. Civil Remedy Notices, which are filed with the Florida Department of Financial Services, force the insurance company to examine their claims handling and consider fixing any improper adjustments or errors with a monetary “cure.” Our experience with Civil Remedy Notices may help you recover before or alongside the filing of a lawsuit. We will advise your insurance company of where they went wrong and how they need to fix it, so you can find peace.

Legal Representation

Our experienced criminal defense attorneys have handled cases involving drug offenses, DUI, theft, assault, fraud, and more.

Client-Centered Approach

We take the time to listen to your side of the story, answer your questions, and explain your legal options in clear, understandable terms.

Courtroom Advocacy

When your case goes to trial, you need a skilled litigator by your side. Our attorneys are known for their aggressive advocacy in the courtroom.

Pre-Trial Negotiations

In some cases, a favorable outcome can be achieved through negotiations without going to trial. We work to reduce or dismiss charges.

Answers to Your Common Legal Queries

At Legality, we understand that navigating the legal process can raise many questions. To help you better understand how we operate and what you can expect.

What areas of law does Legality specialize in?

We specialize in a wide range of legal services, including corporate law, family law, criminal defense, real estate law, employment law, and intellectual property. Our team of experts is equipped to handle cases in various disciplines.

How do I schedule a consultation with your firm?

You can schedule a consultation by contacting us through our website’s contact form, giving us a call, or sending an email. Our team will promptly respond to arrange a convenient time for your consultation.

What should I bring to my initial consultation?

For your first meeting, we recommend bringing any relevant documents related to your case, such as contracts, legal notices, or any other pertinent information. This helps us better understand your situation and offer more informed advice.

Services

Theft or Vandalism

Fire Damage

Bad Faith

Hurricane or Windstorm Damage

Water Damage

Roof Leaks

Sink Hole

Tile, Wood, Marble, or Laminate Floor Damage

Plumbing Failures

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Do you need any help?

+1 (844)-776-7364 info@propertypeoplelaw.com

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My property suffered a loss. What should I do?

First and foremost, be honest. As a policyholder, being truthful in your insurance application and report of a loss is critical to your right to coverage and compensation! Your specific duties may depend on your individual policy, but most policies will require that you give prompt notice of loss, allow the insurance company to inspect the property, keep defective parts or components, prepare an inventory of damaged items, cooperate in any investigation (including an Examination Under Oath), and submit a signed Sworn Proof of Loss statement, among other duties. To maximize your recovery, we recommend that you contact your insurance company immediately upon seeing damage. Document any damage you see with photographs or videos, and capture any broken pipes, fallen tiles, water damage, affected personal property, or anything else you can document to evidence the loss. If you have documentation of what your property looked like before the loss, save that too, as it will help show the insurance company the extent of your damage. Prepare an inventory of damaged personal property to comprehensively value your financial loss. Do not throw away any damaged items, unless necessary for your safety. Obtain your own repair estimates so you know exactly how much it will cost to address your loss, and whether the insurance company is paying you a fair dollar figure. If you see that you have not been paid fairly for your loss, or your claim was unfairly denied, let The Property People step in. With absolutely zero upfront cost or out of pocket expense to you, we will pursue your claim thoughtfully and aggressively to obtain the maximum recovery.

What can The Property People do to help me recover under my insurance policy?

After collectively negotiating millions of dollars of property damage settlements, and litigating countless denied and underpaid claims, attorneys Danny and Nicole have significant experience disputing policy language and fighting for coverage. They will review the terms of your policy and strategize the most fair and effective method to maximize the value of your claim. As lawyers, The Property People work with public adjusters, loss consultants, expert general contractors, and expert engineers to understand the cause and origin of your damage and the cost to conduct necessary repairs. We will also examine the insurance company’s process of handling your claim to determine if the insurance company committed bad faith, which will affect your financial recovery. After investigating your damage to determine the fair and objective value of your loss, we will negotiate the highest possible settlement with your insurance company. If the insurance company does not agree to pay you what you are justly owed, we will file a formal lawsuit and seek court intervention to obtain your maximum legal recovery. Our passion for people, conversation, and the law helps us negotiate courteously with opposing counsel and obtain quick and favorable resolutions. At the same time, if your rights as a policyholder are disrespected, we have the skills and resources to litigate aggressively from the inception of a lawsuit to trial.

Sounds great. But what if I cannot afford an attorney?

Not only are we offering you a free consultation, but we represent you on a contingency basis. This means we do not get paid unless we get you paid first! Specifically, we can recover our fees directly from the insurance company based on the governing laws in the State of Florida. Don’t be overwhelmed by the costs associated with fighting for your claim. Filing a lawsuit against your insurance company in Florida can cost over $500.00. Additionally, there may be other costs associated with hiring contractors, engineers, or other experts necessary to move your claim forward. We pay all the costs associated with litigating your claim and only recover those costs if, and after, we recover for you first.

I reported my claim to the insurance company and they told me that my claim is denied. What does that mean and what can I do?

Insurance companies routinely employ unfair tactics to deprive policyholders of their fair recovery under the policy, including citing to preexisting damage, denying payment for repairs they deem unnecessary, insisting that policyholders provide nonexistent documentation, or citing to obscure policy exclusions to deny coverage for the damage even when another policy provision provides coverage. The Property People can evaluate the language of your policy and the damage you suffered to assess what you are rightfully owed and to pursue your maximum recovery. We are happy to analyze and address the process of disputing and litigating your denied property insurance claim in a free consultation, at your convenience.

I reported my claim to the insurance company, but they did not give me enough money to make repairs. How do I get the money I need to repair my property?

If the funds that you were provided by your insurance company are not sufficient to restore your property to the pre-loss condition, or you have individually obtained higher estimates to repair the damage, which exceed what you were paid by your insurance companies, we will step in to demand the amount you need. By meticulously comparing the insurance company’s estimate with other estimates reflecting the scope and price of your loss, along with other documentation of your damage, we will prepare a thorough and comprehensive demand that explains how much more money the insurance company must pay to address your loss. By supporting our demand with legal analysis, communicating consistently with the insurance company, and negotiating for your recovery from an educated standpoint, we maximize the value of your settlement. We are happy to analyze and address the process of disputing and litigating your underpaid property insurance claim in a free consultation, at your convenience.

“Free representation” sounds too good to be true. I do not have to pay The Property People anything?

You really do not have to pay us! We work with you on a contingency basis, which means that you are not responsible for any initial costs and fees necessary for your recovery. We are passionate about getting your property damage fixed fairly and efficiently, and we only get paid unless you get paid first. Additionally, pursuant Florida Statutes §§627.428 and 57.041, we can often recover our legal costs and fees directly from the insurance company. The Property People know how stressful it is to experience property damage. The insurance claim and litigation processes can feel like an uphill battle without the right representation. We are committed to guiding you through this intimidating experience, and we will always put your personal and financial needs first.

The Property People

Parent company of CaliClaims Law,LLP

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80 SW 8th St, Suite 2590, Miami, FL 33130

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