In early September 2017, Hurricane Irma caused significant damage to vast areas of Florida, as far south as the Keys through Miami and Fort Lauderdale and continuing up through Naples, Marco Island, and Sarasota. Certain parts of the Tampa Bay Area, cities throughout the middle of the state including Lakeland, and up as far north as Jacksonville also saw damage to their property due to heavy winds, flying debris, falling trees and extreme flooding. Many areas in between also saw devastation, particularly to older buildings, mobile homes and properties in flood areas. Now, many policyholders feel they’ve been hit twice, once by Irma and once by their insurance companies.

As a homeowner, renter, or commercial property owner, we know you take every step possible to protect your home, including purchasing expensive insurance policies. After significant storms such as Irma, we’ve seen insurance companies underpay or simply refuse to pay out property damage claims. Most insurance holders have paid thousands of dollars for these policies and unfortunately are left with large out-of-pocket expenses in an attempt to get back their property and lives back to “normal.”

After damage occurs to a home or commercial space, policyholders are faced with investigating and documenting the loss as well as interpreting the terms and conditions of their insurance policy. This includes assessing the insurance coverage available, limitations on that insurance coverage, deductibles, conditions precedent, and specific requirements necessary to make an insurance claim. The goal of a property claim is not only to restore and/or replace the property, but also to place the property back into its pre-loss condition. The Ruth Law Team now handles commercial and residential property damage claims that have been delayed, denied or underpaid.

A property insurance claim is a business negotiation, and you, the policyholder, must approach the adjustment and settlement of your property insurance claim as you would any other business transaction involving a large investment. Many policyholders don’t realize legal action may be taken to receive the coverage you deserve. In addition to the damages covered under your insurance policy, you may also be entitled to additional damages if the insurance company acted in bad faith. When a commercial loss occurs, our firm will evaluate the property damage as well as a possible business interruption claim, to which your business may be entitled for revenue lost due to the property damage.

We can help fight the insurance company to fairly pay out claims due to damage from:

  • Hurricane Irma
  • Windstorm
  • Tropical storm damage
  • Flooding
  • Fire

Accepting an insurance company adjuster’s estimate of the damages or its offer to settle the claim without independently investigating the damages and reviewing all available insurance coverage could easily lead to a settlement that is worth far less than you’re entitled to under your insurance policy. Our firm will front all of the expert investigation costs. Additionally, we will work on a contingency-fee basis, meaning there are no upfront costs to you, and our firm only takes a percentage of any insurance proceeds we recover on your behalf. For more information, please contact us at 888-783-8378 for a free consultation.