Florida Denied Farm Bureau Claim Lawyer
Natural disasters such as hurricanes, tropical storms, tornadoes, and floods can cause considerable damage to your property. When unfortunate situations like these occur, you expect your insurance company to cover the damages done. However, you may find yourself with a denied Farm Bureau property claim. Or they may only partially pay your claim and take a long time to do so. Whenever you find yourself in a situation like this, you can appeal their decision. Louis Law Group can help you win that appeal and get you the money you deserve to pay for damages to your property.
Why Farm Bureau May Deny Your Property Claim
An insurance company like Farm Bureau may deny your claim for several reasons, including the following:
- The damage to your property that you claimed was caused by flooding was actually caused by a pipe that failed on its own, before any flooding occurred.
- When taking out the policy, you did not select the options that would have covered the type of property damage you’ve sustained.
- The damaged items you included in your claim have significantly depreciated and are not worth what you’re requesting in your claim.
- An estimate that contractors provided you for repairs is higher than the insurance company is willing to pay.
- There is another deductible you need to reach before you’ll be paid by Farm Bureau. This occurs when you have coverage for something like hurricane damage on your homeowner’s insurance policy.
The Claims Process
After you submit a claim to Farm Bureau, they will:
- Assign your claim to someone in the company who specializes in claims.
- A claim professional will contact you concerning your claim.
- Your claim will be thoroughly evaluated.
- A decision concerning your claim will be made.
- Your claim will be either paid or denied.
In Florida, the law says that you usually have three years to sue your insurance company, starting from the date of the damage-causing natural disaster. You can always appeal a denied Farm Bureau property claim, which is something the lawyers at Louis Law Group can assist you with.
Know Your Rights
Florida has a Homeowner’s Bill of Rights that provides you with certain rights when it comes to getting compensated for damaged property. If you have an insurance policy and are in good standing, you have the following rights:
- To have your home repaired or rebuilt.
- To be compensated for any damage to property such as your vehicle or other types of machinery.
- To be compensated for damage to any personal property within or outside of your home.
Your insurance provider has specific responsibilities it must adhere to, including the following:
- To let you know within 14 days of your claim submission that they have received it.
- To let you know within 30 days whether your claim was partially or completely paid, needs additional investigation, or has been denied.
- To let you know within 90 days that an assessment and review of your claim has been made and either a partial or total payment has been sent to you; otherwise, a written report must be provided to you specifying exactly why your claim was denied.
Whatever the reason provided by Farm Bureau for denying your claim, you have the option to appeal. Louis Law Group can assist you with this.
If your Farm Bureau property claim was denied or you were offered only partial compensation for your claim, contact us today call (954) 676-4179. Our expert team of property claim lawyers will ascertain the best options for your particular situation. We can provide you with a free consultation and let you know what your next steps should be.