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Property insurance is confusing. The process of filing a claim can be overwhelming, time-consuming, and frustrating. That’s why you need us your side. We'll help maximize Your Property Insurance Claim. New, Old, Denied or Underpaid. Get Help Now!

FIGHTING FOR YOU TO GET BACK TO NORMAL AS FAST AS POSSIBLE!

Holding the Insurance Companies Accountable.

Hurricane Ian, a category 4 Atlantic hurricane that struck Florida on September 28th, was the costliest disaster in 2022 and the second-largest insured loss on record after Hurricane Katrina in 2005, according to a new report from reinsurer Swiss Re.

Ian caused between $50 billion and $65 billion in insured damages after it made landfall in western Florida with extreme winds and torrential rain. The storm surges and downpour hit a densely populated coastline during an otherwise tame hurricane season.

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Licensed by the Florida Department of Financial Services.

License #: W930956

If you suspect an adjuster is working without a license, if they urge you to overstate an insurance claim or if you otherwise suspect fraud, call 1-800-22-STORM

Your Florida Homeowners Bill of Rights

XXXVII INSURANCE, Chapter 627 INSURANCE RATES AND CONTRACTS, 1627.7142

This Bill of Rights is specific to the claims process and does not represent all of your rights under Florida law regarding your policy. There are also exceptions to the stated timelines when conditions are beyond your insurance company’s control. This document does not create a civil cause of action by an individual policyholder, or a class of policyholders, against an insurer or insurers and does not prohibit an insurer from exercising its right to repair damaged property in compliance with the terms of an applicable policy.

YOU HAVE THE RIGHT TO:

1. Receive from your insurance company an acknowledgment of your reported claim within 14 days after the time you communicated the claim.

2. Upon written request, receive from your insurance company within 30 days after you have submitted a complete proof-of-loss statement to your insurance company, confirmation that your claim is covered in full, partially covered, or denied, or receive a written statement that your claim is being investigated.

3. Within 90 days, subject to any dual interest noted in the policy, receive full settlement payment for your claim or payment of the undisputed portion of your claim, or your insurance company’s denial of your claim.

4. Receive payment of interest, as provided in s. 627.70131, Florida Statutes, from your insurance company, which begins accruing from the date your claim is filed if your insurance company does not pay full settlement of your initial, reopened, or supplemental claim or the undisputed portion of your claim or does not deny your claim within 90 days after your claim is filed. The interest, if applicable, must be paid when your claim or the undisputed portion of your claim is paid.

5. Free mediation of your disputed claim by the Florida Department of Financial Services, Division of Consumer Services, under most circumstances and subject to certain restrictions.

6. Neutral evaluation of your disputed claim, if your claim is for damage caused by a sinkhole and is covered by your policy.

7. Contact the Florida Department of Financial Services, Division of Consumer Services’ toll-free helpline for assistance with any insurance claim or questions pertaining to the handling of your claim.

Source: See Full Chapter

Free Claim Review and Evaluation

You never pay an upfront cost, give us a check or get charged for anything until your claim is settled. Get your FREE EVALUATION today. We get you Paid! Stop wasting your time, energy and money to repair damages that are covered by your insurance policy. We advocate for YOU, the policy holder, and navigate the appraisal and negotiation process for your insurance claim, ensuring you’re properly compensated for the repairs covered by your policy.