First-Party Claims Lawyer
Insurance premiums for your home, vehicle and other assets may be costly. However, they are the best way to protect your family and assets in the event of an accident or disaster. Floridians know exactly how devastating a natural disaster can be and how it can impact their lives. When you experience property damage from a hurricane, flooding or fire, you expect that your diligence in retaining insurance coverage will be rewarded with compensation for your losses. Unfortunately, some first-party insurance claims are denied or not paid in full by insurance companies.
What Is a First-Party Insurance Claim?
When you purchase property damage insurance, you are engaging in a contract with your insurance company. You agree to pay a set premium to the insurance company for coverage to replace your property in the event of a covered event. You are the “first-party” to be paid if a covered event damages your property. When you file a claim for a fire or storm damage to your home or business that will be paid directly to you as the insured person, you are filing a first-party insurance claim.
Insurance companies have teams of lawyers on their side and often find ways to short-change their customers when it comes to first-party property damage claims. They may offer a lower payout than what is covered by your policy or deny your claim altogether. Many insured property owners are victims of bad faith insurance interactions and are cheated out of thousands of dollars that are rightfully owed to them. If you have a first-party insurance claim that is denied or are offered a lower payout than expected, you need your own legal team to fight on your behalf.
If you are fighting to have your first-party property damage claim paid out by your insurance company in Florida, contact Ligori & Ligori Attorneys at Law to explore your legal options. We will assess your claim during a free consultation and give you competent legal advice on how to proceed.