Daytona Beach Property Insurance Claims Attorney

Get Help From a Top Property Insurance Lawyer in Daytona Beach

At My Affordable Attorney, our Daytona Beach property insurance attorneys have the knowledge and experience that homeowners and business owners can trust. If your property sustained significant damage, we are here to help you navigate every aspect of the claims process. Property insurance companies must be held accountable for paying claims. With us, your fight is always priced right. We are committed to being affordable. For a free, fully confidential consultation with a top Florida property insurance lawyer, please contact us at our Daytona Beach law office today. 

We Represent Policyholders in Daytona Beach in Property Insurance Claims

Property insurance exists to provide a financial lifeline to homeowners and commercial property owners who are going through a challenging time. However, unfortunately, the big property insurance companies do not always make it easy for policyholders to collect on their benefits. At My Affordable Attorney, our Daytona Beach property insurance claims lawyers are committed to helping our clients secure the absolute maximum settlement. Along with other property insurance claims, we have experience with: 

• Hurricane and Windstorm Damage: Severe storms and hurricanes are a regular threat in Daytona Beach, often causing extensive roof, siding, or structural damage. These claims often involve disputes over the scope of damage or the proper valuation of repairs. Sadly, insurance companies may attempt to minimize payouts or deny claims. 
• Flood Damage: Flooding can result from heavy rainfall, storm surge, or inadequate drainage. Most standard property insurance policies do not cover flood damage. Instead, separate flood insurance is usually required. Still, even when coverage exists, disputes may arise over cause, coverage limits, or the cost of repairs.
• Fire and Smoke Damage: Fires can cause both direct structural damage and widespread smoke contamination throughout a property. Insurers may challenge the source of the fire or the cost of restoring smoke-affected areas. Accurate documentation is key to supporting these claims. Our Daytona property insurance lawyers can help. 
• Water Damage (Burst Pipes and Leaks): Sudden pipe bursts or hidden plumbing leaks can lead to significant interior damage. Coverage for water damage may depend on whether the issue was sudden or resulted from long-term neglect. 
• Mold Damage: Mold growth can result from untreated moisture or water intrusion issues. Many policies limit or exclude mold coverage unless it is linked to a covered event, like a pipe burst. The scope of coverage and required remediation can often be disputed. 
• Theft Damage or Vandalism Damage: When property is stolen or intentionally damaged, owners can file claims for both physical loss and stolen contents. Insurance companies typically require police reports and itemized proof of loss. 

How Our Daytona Beach Property Insurance Claims Attorney Can Help 

Property insurance claims are complicated. Whether your home was damaged by a storm, a fire, or any other incident, it is imperative that you know what to do to effectively navigate the claims process. You do not have to take on the big insurance companies alone. At My Affordable Attorney, we are here to guide you through each and every step of the claims process, including appeals and litigation. Among other things, our Daytona Beach property insurance claims lawyer is ready to: 

• Hear your story and answer questions about your rights and your options; 
• Carefully review all of your insurance policy information; 
• Gather and organize all supporting documents, records, and evidence; 
• Represent you in any settlement negotiations with the insurance company; and
• Take your property damage claim as far as it needs to go to get the best outcome. 

Your Fight Priced Right

The property insurance company has high-priced attorneys. You need the same top-quality service without breaking the bank. We are committed to providing affordable legal representation to homeowners and business owners. We offer flat, reasonable contingency fees that make it possible for you to fight back with confidence. With lower rates than other law firms in Florida, our clients appreciate our no-nonsense pricing and dedication to successful results. 

Property Insurance Claims in Florida: Frequently Asked Questions (FAQs)

What should I do first if my property is damaged?

You need to take a proactive approach to deal with property damage. You should start by documenting the damage with photos or video and make any necessary temporary repairs to prevent further harm. Of course, safety should always be a top priority. 

How long does the insurance company have to respond to my claim in Florida?

Under Florida law, insurers generally have 14 days to acknowledge your claim and 30 days to begin an investigation after proof of loss is submitted. They must pay or deny the claim within 60 days. Unfortunately, delays are common. If your insurer is delaying your claim, our Daytona Beach property insurance attorneys are more than ready to help. 

What is a proof of loss, and do I need to submit one?

Probably. Broadly explained, a proof of loss is a sworn statement outlining the amount and extent of damage you are claiming. Many property insurance companies require it before processing or finalizing your claim. If you need help with proof of loss documentation, our Daytona Beach property insurance lawyers are here as a resource. 

Can the insurance company deny my property damage claim?

Yes. A claim will not be automatically accepted. Insurers may deny a claim if they believe the damage is excluded, not covered, or due to neglect. With that being said, denials must be explained in writing. Further, the insurance company does not have the unilateral right to make the final decision. Policyholders have the right to dispute the decision. Many denials are successfully challenged on appeal. 

Contact Our Daytona Beach Property Insurance Attorney Today

At My Affordable Attorney, our Daytona Beach property insurance lawyers have the knowledge, skills, and tenacity that policyholders can rely on to hold insurers accountable. Contact us today to set up a free, confidential, and no-obligation initial consultation. With an office in Daytona Beach, we handle property insurance claims throughout the wider region in Central Florida, including in Volusia County, Seminole County, Lake County, Flagler County, and Brevard County.