In the United States, home insurance business is a multibillion-dollar industry which processes millions of insurance claims per year. It is estimated that over 6% of American’s make a claim on their homeowners’ insurance policy each year. Common causes for insurance claims include: flood water damage, windstorm (hurricane), fire or personal property damage.
Tampa and West Florida’s tropical climate puts the area at a greater risk from severe weather produced by tropical storms and hurricanes. Most Tampa Bay area homeowners have insurance policies which are commonly referred to as an “all risks” or “open risks” policy. They may sound comprehensive, but are more often than not, the lowest form of insurance coverage that is accepted by a home lender.
When an unfortunate event happens, a homeowner insurance policyholder may discover that their “friendly” insurance company is now their adversary. Insurance companies have a large number of attorneys and employees that are trained to protect their financial interests, they have vast experience and resources that consumers don’t have. What can happen all too often is that homeowners may be offered a lower payout to settle their insurance claim. In even more troubling circumstances a home insurance policyholder may be denied their claim in its entirety.
The Law Firm of Insurance Litigation Group (ILG) was created to protect the rights of Tampa Bay area policyholders so their claims are handled properly and they are fairly compensated under the terms of their insurance policy. ILG’s insurance focused lawyers and staff have many years of experience dealing with all the major insurance carriers in Florida. We have a deep understanding of pertinent Florida insurance statutes. If circumstances require litigation we can pursue your case in court when it is in the best interest of the Tampa home insurance client.
Types of Tampa Home Risks
Call the offices of Insurance Litigation Group for a consultation at 786-527-0090.
How your Tampa Home Insurance policy claim can be denied or reduced by an insurance carrier
- The company may “discover” an error in your application and deny coverage
- State that the damage to the home was a pre-existing condition
- State your claim is not covered under the terms of your policy
- Give you a low offer on your home insurance claim
- Suggest that your claim is improper due to fraud
- Dispute the payments of insurance premiums
- Fail to timely respond to your claim, creating a financial hardship on you
How ILG handles Florida Insurance Claim Disputes
The Insurance Litigation Group works closely with a team of professional attorneys and private investigators to gather evidence regarding your home’s damages. ILG then can carefully review the insurance adjuster’s report and can file a claim for your damages that are fair under the terms of your home insurance policy. Our lawyers and team of experts can submit legal testimony that can be used in court. If required, we can litigate your case and represent you in lawsuit proceedings.
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Tampa FL Insurance Litigation Law Firm – Serving the Tampa Bay Community
Tampa is the largest city on the on the west coast of Florida with an estimated population of over 380,000. The four county area of Tampa Bay includes St. Petersburg and Clearwater, which have a combined population of over 3 million residents.
Recent archaeological evidence indicates that the Tampa Bay area was inhabited by Tocobaga and Pohoywere indigenous peoples for thousands of years. Spanish explorers visited Tampa Bay in the 16th but there were no permanent settlements in that area until after the United States acquired Florida from Spain in 1821.
In the mid-1880s, Tampa’s fortunes took several sudden turns for the better. First, phosphate was discovered southeast of Tampa in 1883. The arrival of Henry Plant’s railroad and the founding of Ybor City and West Tampa were crucial to Tampa’s development. The once-struggling village of Tampa became a bustling boomtown almost overnight, and had grown into one of the largest cities in Florida by 1900. In 1885, the Tampa Board of Trade enticed Vicente Martinez Ybor to move his cigar manufacturing operations to Tampa from Key West. Plant’s railroad made shipment of finished cigars to the rest of the US market easy by land.
During the 1950s and 1960s, Tampa saw record-setting population growth. This growth spurred major expansion of the city’s highways and bridges, bringing thousands into the city and creating opportunities for Tampa business owners who welcomed tourists and new citizens alike into their neighborhoods.
Today, Tampa has a deep and diversified economy hosting major financial services, healthcare, and insurance companies. It’s a major shipping and transportation hub by both air and sea. Tampa is the home for professional sports teams. Tourism and real estate play vital roles in the area’s economy.
Other Cities Served by Insurance Litigation Group