Property Insurance Claims
When a disaster strikes – be it a burst pipe in an upstairs home bathroom or extensive damage from a severe storm to a business or residence – the stress is palpable, making it hard to focus on the steps necessary to return things to normal.
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The financial burden and stress caused by water, fire, or other storm- or accident-related damage is just that: burdensome and stressful. After an incident, where do you start? Who do you call first? What do you do if your insurance carrier is slow to respond, does not provide a remedy to your satisfaction or – even worse – denies your claim?
Ward Ruddock has years of experience helping good people in their time of need by providing zealous advocacy, legal expertise, and compassionate representation. We strive every day to be the unwavering voice you deserve in trying times.
Our team of property insurance experts have a strong track record of standing up against insurance companies to protect the rights of individuals and business policyholders. Our attorneys are passionate about their craft and passionate about the people they represent. Their goal is to get the compensation you deserve from your insurance provider. We’re your voice making sure you are heard as a person and not just a policy number.
Case Results
- Millions of Dollars Recovered from Insurance Companies
- Direct Attorney Access & Flexible Hours
- Spanish Language Option Available for Clients
- Experienced Personal Injury and Property Insurance Attorneys on Staff
- Over 25 Years of Combined Legal Experience on Your Side
Frequently Asked Questions
What should I do first after minor or major damage to my property?
Realize that insurance companies have the upperhand when it comes to dealing with individual policyholders. Insurance companies know the laws, construction estimating, and the terminology related to property insurance claims – and they use that insider knowledge to their advantage. But you have rights, and laws are in place to protect you; and that’s where Ward Ruddock can be your most valuable asset besides the property for which you are trying to receive a settlement.
How long does it take for property insurance claims to be settled?
Don’t be alarmed, but it can take as long as 18 to 24 months for insurance claims to be settled, especially if the damage is more severe and requires repair and/or replacement of structure(s) and possessions. Solid representation can reduce that timeframe.
How do I know if I am getting a fair claim settlement?
Without legal representation, you may not know if you are receiving a fair settlement of your claim. You should never accept the insurance company’s first settlement offer and should seek outside counsel and second or third opinions, much like you would do in the case of a serious medical diagnosis. Ward Ruddock has the resources and experience to fight for what you are owed. We have connections with reputable and trusted construction experts, third-party adjusters, government agencies, and more.
What are the most common issues that arise when filing a property insurance claim?
- Being underinsured. A review of your policy to make sure coverage amounts and types of coverage, such as earthquake or flood insurance, are up to date should be done regularly.
- Slow response. Insurance companies are notorious for moving slow when policyholders are in a time of need. Ward Ruddock can help push momentum and speed up response time.
- Knowing your policy. There should be no confusion over what is covered and what is not. Know your policy or hire someone who can break it down for you.
- Unfair settlement offers. Insurance companies will aim low with their first settlement offer; so don’t feel like you should have to accept it. Good representation can review offers to make sure you are getting a fair shake.
- Unpleasant or misleading adjuster. Adjusters are typically the first line of defense for insurance companies, and the first person you will interact with. Do not accept rude interactions, and don’t be deceived by false pleasantries.
- Insurance companies claim depreciation. Adjusters can low ball settlement offers by claiming household structures or personal property have depreciated. This can be, and often is, misleading. You deserve fair compensation.
- Insurance companies offer a set pricing structure for repair/replacement costs. No pricing structure is one-size-fits-all. Licensed contractors – several bids are recommended – will tell you what it will cost to repair damage or replace structures and property.
Service Areas
HURRICANES
Florida residents are all too familiar with the destructive power of a hurricane.
WIND
Wind events are common in the state of Florida and have proven to be formidable to both homeowner’s tile and shingle roofs alike.
TORNADO
If your home was unfortunately in the path of a tornado, you need someone experienced to handle your claim with care during this trying time.
MOLD
If you are having trouble with your insurance provider denying coverage, you need the help of a lawyer immediately.
STORM
Unnamed storms, tropical storms or other weather phenomenon are typically covered under standard homeowner’s insurance.
HAIL
Hail in Florida is more common than you think and leaves it’s mark on roofing systems and other structures of your home.
PIPE LEAK
Insurance companies will accept claims for pipes that burst suddenly and without forewarning, however, they will do everything in their power to deny the claim.
FIRE
Our fire damage claim attorneys will review your policy and conduct a full inspection and evaluation of your property damages at no cost.
Types Of Disputes
Denied Claims
When you purchase an insurance policy, you expect your insurer to have your back during times of crisis. Unfortunately, some insurers will outrightly deny your claim without a justifiable reason, even though it’s listed under your policy guidelines. Insurance agents or brokers may attempt to persuade you into thinking the denied claim is a special circumstance by using jargon that’s intentionally confusing. But you shouldn’t fall for this. Call Ward Ruddock for skilled Insurance Attorneys that work for the people.
Underpaid Claims
Delayed Claims
Bad Faith
Denied Claims
When you purchase an insurance policy, you expect your insurer to have your back during times of crisis. Unfortunately, some insurers will outrightly deny your claim without a justifiable reason, even though it’s listed under your policy guidelines. Insurance agents or brokers may attempt to persuade you into thinking the denied claim is a special circumstance by using jargon that’s intentionally confusing. But you shouldn’t fall for this. Call Ward Ruddock for skilled Insurance Attorneys that work for the people.
Underpaid Claims
Delayed Claims
Bad Faith
How It Works
Get A Free Claim Analysis
Our Property Insurance claim attorneys will review your policy and conduct a full inspection and evaluation of your property damages at no cost. Our Insurance claims attorneys will go over your options and tell you how much your claim is worth.
We Fight For You
Our team of lawyers deal directly with your insurance company. We prepare your claims package and we negotiate on your behalf. Our insurance attorneys are well versed in dealing with big insurers’ tactics to delay and/or deny your claim.
Receive A Check
Receive the highest compensation for your claim as quickly as possible. Our Florida Insurance Claims Attorneys want to get you the money you deserve.
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