West Palm Beach Insurance Law Firm
Millions of home insurance claims are submitted to insurance carriers each year. It is estimated that over 6% of all homeowner policy have claims on the insurance annually. The most common reasons for home insurance claims are the following: water damage, high winds (windstorms, including tropical storms, tornadoes, and hurricanes) fire, smoke damage and personal property theft or loss.
The West Palm Beach and South Florida climate puts the area at greater risk from severe weather patterns including tropical storms and hurricanes. To protect their homes most West Palm Beach homeowners have insurance policies which cover claims related to “open risks” perils. It is common for consumers to shop for home insurance based on price, which can result in the policy being the lowest form of policy that is acceptable to the lender or financial institution.
After home damage(s) occurs, a policyholder may quickly learn that coverage and payouts can vary significantly, well beyond their ability to analyze and evaluate and may, in fact, be insufficient. It is not uncommon for an insurance provider to try to minimize their coverage payout and lessen their financial obligation to the policyholder. Insurance companies have experience in the nuances of insurance law that consumers do not. In some cases, insurance payouts are woefully inadequate. In other circumstances, an insurance claim may be denied in its entirety.
ILG – The Law Firm of Insurance Litigation Group was formed to represent home insurance policyholders and to make sure they receive the insurance proceeds they deserve under the terms of their home insurance policy. The attorneys at ILG have decades of experience in dealing with home insurance companies and know the Florida insurance statutes and policy processing methods used by Florida homeowners insurance underwriters and their claims divisions. Each case and claim can have unique considerations. In turn, ILG ‘s staff will give each client’s legal case the personal attention it deserves. If insurance providers refuse to pay a fair and reasonable claim on a policy, ILG can bring suit against an insurer to seek proper restitution.
Types of West Palm Beach Home Risks
Techniques used by Insurance Providers to reduce or deny your home insurance claim
- Suggest that there was an error in your application and deny you coverage
- Propose that the damage was a previously existing condition
- State your claim is not covered under the contractual terms of your policy
- Give you a “low ball” offer on your claim
- Dispute that your claim is improper or an act of fraud
- Claim the payments of insurance premiums as a result of lapse of coverage
- Create a financial hardship for you by delaying your claim or failing to respond
The Insurance Claim Process – How ILG handles your case
At the Law Firm of Insurance Litigation Group, the attorneys work closely with their team of staff members to expedite your case through the claim process. They often use private investigators and contractor specialists to gather evidence regarding your claim and damages. They then carefully review the insurance adjuster’s findings and file a claim for your damages that are fair under the terms of your policy. ILG’s attorneys and team members can submit a legal testimony on your behalf and be your legal advocate. If an insurance provider refuses to provide a reasonable settlement of a claim, they can bring suit and seek the proper remedy in litigation.
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Serving the West Palm Beach Community – Insurance Litigation Law Firm
West Palm Beach is one of the largest cities in South Florida with a population over 108,000. West Palm Beach is adjacent to the famed Palm Beach Island which is separated by Lake Worth Lagoon. Palm Beach has long been established as the winter haven for the ultra-wealthy, worldwide. Multi-million dollar, palatial luxury estates adorn the coast of Palm Beach and luxury surrounds the community in leisure activities, such as the arts and shopping. The West Palm Beach area is much more than just a playground for the wealthy; it is a vibrant community for families, businesses, and professionals. Palm Beach Gardens is the home for the PGA National golf courses, resort, and residential community.
Other Cities Served by Insurance Litigation Group