• Brittany Quintana

Preparing for the Unexpected...

Florida was lucky to miss a direct hit from Hurricane Dorian, but hurricanes aren’t the only threat that should be of concern to homeowners. Many types of sudden and accidental losses to your property occur seemingly out of the blue, and if your homeowner’s insurance claim is denied or underpaid, you could be left footing the bill.


It is important to stay informed and proactive when it comes to protecting your property, particularly because your insurance company’s adjusters are well aware of the conditions and exclusions in your policy that can be used to limit or exclude your coverage. Here’s how you can stay ahead of the eight ball:


1. Review Your Insurance Policy for Water Caps, Water Exclusions, and Mandatory Managed Repair Programs


If you are getting a new policy or renewing your policy with your insurer, it is important to review the coverages that are being offered to you in addition to the important hidden terms and conditions of your policy. Specifically, you should ask your insurance agent or attorney whether “water caps” or “water exclusions” are included in your policy and whether the policies contain mandatory “option-to-repair” provisions.


Specifically, water caps or exclusions may leave you with very limited or no insurance coverage in the event of a plumbing-related loss on your property. Additionally, mandatory managed repair programs give the insurance company the right to send their contractors to your property to perform repairs and eliminate your right to hire your own contractors to perform quality repairs that actually bring your property back to pre-loss condition.


2. Compile your documents.


It is always important to be able to document your losses when you file a claim. If you compile your property appraisal documents, take photos and videos of your property, and create a personal property inventory before an unexpected loss occurs, the claims adjusting process will be much more manageable and productive.


3. Consult with an Experienced Property Insurance Attorney


In some cases, even when you do everything right, your insurance company will underpay or wrongfully deny your claim. If you think that you were not fully compensated for your covered loss, you should certainly speak with an insurance attorney. However, it is always best to consult with an insurance attorney or trusted public adjuster during the claims investigation process to ensure that your rights are protected and that the insurance companies do not use the claims handling process to wrongfully deny or limit your coverage.


We at Quintana Law, PA are the experienced professionals who can walk you through the claims handling and, if necessary, the litigation process. Each claim is handled on a case-by-case basis with each case specifically tailored to meet the needs and goals of our clients.

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