By now, most homeowners should have received a decision from their insurance companies regarding their property damage claims.
The unfortunate reality is that many claims have already been denied or the insurance company gave the homeowner a lowball offer.
If you’re one of the thousands of homeowners facing off with your property insurance company, know that you’re not alone—and Gelber Law Group is here to help.
Hurricane Milton Claims Data
The data paints a clear picture of the challenges homeowners are currently facing:
- 252,845 residential property claims were reported after Hurricane Milton.
- 77.6% of claims have been closed, but not all with favorable outcomes.
- 99,844 claims were closed with payment.
- 96,390 claims were closed without payment.
- 34,989 claims remain open without payment.
If your claim was denied or underpaid, you are not alone. These statistics highlight the ongoing struggles homeowners face when seeking rightful compensation from their insurance companies.
What to Do If Your Claim Was Denied
Insurance companies commonly deny claims for reasons like incomplete documentation or disputes over the cause of the damage. However, a denial doesn’t have to be the end of your claim. At Gelber Law Group, we’ve handled countless cases where homeowners were unjustly denied compensation.
Here’s what you can do:
Step 1: Submit new evidence
Your first step is to gather additional evidence of the damage. This could include photos, videos, and repair estimates. Ask for a re-inspection of your property.
Step 2: Get a second opinion
Hiring your own professional, like Gelber Law Group, helps ensure that your damage assessment is thorough and unbiased. If the report our team creates shows damage that your insurance company’s adjuster overlooked, it’s time for us to fight on your behalf.
Step 3 (or step 1): Consult with a property damage attorney
Denials based on coverage disputes often require legal intervention. A property damage attorney can challenge the insurance company’s decision and advocate for the compensation you deserve.
What to Do If Your Claim Was Underpaid
Underpaid claims are another common issue homeowners face. This usually happens when:
- The insurance company underestimates repair costs.
- Certain damages are not properly identified or included in the repair estimate created by your insurance company.
Gelber Law Group’s Legal Team is here to help protect you from accepting an underpayment offer.
The risk of accepting a lowball offer
Insurance adjusters may conduct incomplete inspections or fail to account for all damages, resulting in an undervalued payout. Once you accept an offer, it’s challenging to secure additional funds later—even if it’s discovered that the initial payment was insufficient. Homeowners are often left to cover the difference out of pocket.
You need a property damage attorney fighting for you
Working with Gelber Law Group helps ensure your property damage is accurately documented and fairly assessed. Our team will thoroughly review your claim, identify any missing or undervalued damage, and fight to secure the compensation you need to restore your property to its pre-loss condition.
Don’t Let Your Insurance Company Win
Facing an insurance company on your own can feel overwhelming, especially when your claim has been denied or underpaid. But you don’t have to fight this battle alone. Gelber Law Group has the experience and dedication to take on your insurance company and fight for you to receive the maximum payout available for your Hurricane Milton property damage.
Contact Gelber Law Group Today
You don’t pay unless we win. Let us fight for your home, your rights, and your peace of mind.
Fill out our contact form, or call us at 954-320-0100.