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MIAMI FIRE/WATER/MOLD DAMAGE INSURANCE CLAIMS LAWYER

Fighting an Insurance Company?

Get an Experienced Florida Insurance Lawyer on Your Side.

The insurance company’s goal is to pay as little as possible on any claim–that’s how they make money. But when you’re facing the challenge of recovering from fire, water, or mold damage, you need to be compensated.

At Pazos Law Group, our job is to fight for you. We’ll work to get you the full value of your home and your personal contents, as well as any other benefits that you are eligible for under the terms of your insurance policy.

FLORIDA FIRE DAMAGE INSURANCE CLAIMS

Fire damage to your home can be caused by any number of events, which can be sudden, random, and entirely accidental. Anything from electrical problems to dryer vents that haven’t been cleaned can cause tremendous damage in the blink of an eye. When a fire happens, it often leaves a house in ruins, destroys personal belongings, and leaves the residents with nowhere to live until the insurance claim is properly handled and repairs are completed. While you can plan ahead for what you’ll do in case of a fire–and you should–it is hard to imagine what it’s really like to live through fire damage.

A fire can be absolutely devastating to a family, and dealing with the insurance claims process can add insult to injury. At Pazos Law Group, we understand how challenging it can be to deal with the insurance process while you’re trying to pick up the pieces of your home and life. You need someone looking out for you, to make sure that you get all of the benefits that your homeowner’s insurance policy gives you which may include additional living expenses (ALE) funds.

FLORIDA WATER DAMAGE INSURANCE CLAIMS

Water damage can be serious, destroying carpet, walls, furniture, mementos, or even the structure of your home. Even if it doesn’t do substantial damage to the structure, water damage of any kind can reduce the value of your home and put your health at risk by exposing you and your family to mold and mildew. Whether the damage was caused by a broken pipe or appliance or a natural disaster, repairing your home’s water damage can be costly.

Most people don’t realize that your typical homeowners and commercial insurance policies actually cover these types of events. That means your insurance company is required to restore your home or business to its condition before the damage occurred. Unfortunately, in our experience, insurance companies often assign insurance adjusters who try to undervalue the damage and, therefore, underpay your claim. In some cases, they may deny your claim unfairly. Some of the underpayment strategies might be paying only for the repair to one roof shingle or tile, floor tile, or single kitchen or bathroom cabinet when the entire roof, floor, or kitchen or bathroom should be replaced.

In the midst of all of this stress, you don’t want to have to deal an insurance company and their bureaucratic maze of requirements. Let us help. We can help you make sure that your water damage insurance claim is accepted or help you fight a claim that was wrongfully denied or underpaid by your insurance company.

FLORIDA MOLD DAMAGE INSURANCE CLAIMS

In a humid climate like Florida, mold is a constant issue for anyone. Any extra moisture in homes, which can come from leaking pipes, appliance hoses, a failing roof, air conditioners, or drainage problems, just add to the problem. In most cases, problematic mold has been growing for months, if not years, before it is detected and it’s often in places that you cannot see. If the mold has been growing that long, the mold damage is severe and the only solution is to remediate (or correct) the mold completely. This process involves tearing down and removing everything near the mold.

You may be surprised to learn that many insurance policies limit their mold coverage to $10,000 and some do not cover mold at all. Insurance companies take advantage of this by treating these types of damage claims as strictly “mold growth” in order to use low policy limits to pay less or deny the claim completely. However, in many cases, the mold growth was not the cause of the damage but just a symptom of a different event. A sudden and accidental event, like a pipe break or a supply line leak, that created the source of water that created the mold problem is actually a condition covered under the Coverage A provisions of your insurance policy. These tactics are why you need an experienced insurance lawyer on your side. At Pazos Law Group, we have experience handling insurance companies and can help you get the full coverage you deserve so that you can restore your home completely.

Mold is unsanitary and dangerous.

If you see or smell mold inside your home, this condition is toxic and you must address and remediate the mold immediately. If left unchecked, mold can cause extensive damage to your property and even worse, cause numerous health problems.