Art Loss Insurance Claims Attorney Miami, Broward, Palm Beach
Do you own valuable artwork which has been stolen or damaged in Florida? These incidents can happen due to burglary, bad weather, flooding, fire, or other unforeseen accidents and circumstances.
Hopefully, you have adequate insurance coverage to compensate for your missing or damaged artwork. But even if you do have insurance coverage, the insurance claim adjuster will look for any reason to deny your art loss insurance claim. After all, it is challenging to prove the value of artwork if you don’t have an official appraisal certificate on standby.
When you need to file an art loss insurance claim, you’re going to need professional legal representation guiding you every step of the way. Louis Law Group has handled hundreds of cases involving art loss insurance claims for clients in South Florida. Our lawyers know how to win these cases and get you the maximum compensation you deserve under the law.
Do you need a free consultation for your art loss insurance claim? Contact us at (954) 676-4179 or email us here.
When Do You Need to Hire an Art Loss Insurance Claims Attorney?
The first way is to rely on your homeowner’s insurance policy to cover the value of the artwork. However, this can get tricky because standard homeowner’s insurance policies have a coverage limit for personal possession claims, such as art loss. The typical max limit that a homeowner’s insurance carrier will pay for an art loss claim is around $1,500 total.
If you have artwork worth more than $1,500, you can either raise the liability limit on your homeowner’s insurance policy or purchase a floater policy. A floater policy is more expensive, but it gives you more coverage for valuable possessions such as artwork. But you need to have an official appraisal certificate that states the artwork’s value. That will make it easier to file an art loss insurance claim and seek the total value of the artwork if it has been damaged or stolen.
Of course, it’s not always possible to put an actual certified value on your artwork, especially if it’s your own artwork or from some unknown artist. That will make it more difficult for insurance companies to approve your art loss insurance claim. For this reason, you need to hire an art loss insurance claims attorney to help you seek the most compensation possible for your missing or damaged artwork.
Why Hire a Louis Law Group?
Louis Law Group goes the extra mile to collect evidence to prove the value of your artwork. We will examine your homeowner’s insurance policy, floater policy, appraisal reports, and all other documentation associated with your artwork that can prove its value.
Free case evaluations are available to help you determine whether pursuing legal action against your insurance company is the right thing to do. It all depends on the amount of documentary evidence you have to support your artwork value claim.
We serve clients involved in art loss insurance claims all across South Florida. These locations include:
How do art loss insurance claims work?
Art loss insurance claims are slightly different than traditional homeowner’s insurance claims. Even though you may file a homeowner’s insurance claim with your carrier, you will have to mention the valuable items which were damaged or stolen.
So when you tell the insurance adjuster that your artwork was damaged or stolen, they may take your word on it if the value is a few hundred dollars or some small number like that. But if you tell them your artwork is worth many thousands of dollars, they will want to see proof. And even then, they’ll likely give you a hard time about it.
For this reason, you should hire our art loss insurance lawyers before filing a claim. Then we can manage the claim from the beginning and negotiate with your insurance company before they can undervalue or deny the claim. Once your insurance company learns that you have professional legal representation, they will be more willing to settle on a fair amount.
Why should I choose Louis Law Group to represent me?
Louis Law Group has an exceptional group of attorneys with extensive knowledge of art loss insurance laws and claims. We have represented numerous clients who’ve needed to file art loss insurance claims over the years because their precious art incurred damage. We know how to negotiate with insurance companies to compensate policyholders for the full value of their missing or damaged artwork