Port Charlotte / Bonita Springs / Naples / Ft. Myers Hurricane Insurance Lawyers
As Floridians, we are bound to have experiences unique to our geography. Hurricanes are the most costly storms in the world. Every year, billions of dollars are flooded through our economy just to repair the damage caused by these massive storms. Fortunately, most of our products can be insured in case of hurricane damage. Most of us pay off our insurance religiously because of the possible trouble we could face in the event of a hurricane. The insurance companies on the other hand, are often much less compliant.
The unofficial job of an insurance adjuster is to give you the lowest amount of money for your claim as possible. In this way, the company receives the highest profit margin possible. Larger companies have always operated under the philosophy that “profit is king.” In an attempt to increase profits, companies will think up some pretty crafty tricks to keep the bottom line low. You will be found inadequate for coverage that you had paid for over the years, and you will be given inadequate recovery as a “personal favor.”
Other times, your claim will be flat out denied or simply ignored. They have thirty days to notify you of your decision, and often times thirty days is just too long to wait for your claim. Another common ploy is the sending of “partial settlement checks.” The company will send you an extremely small amount of money for your claim, and often people are confused into thinking that this is all that they are entitled to. The job of an insurance adjuster is to keep their company from spending too much money. They can control many things about your claim, and can refuse you many rights based on your contract, but they can never deny you your right to consult an attorney.
The job of an attorney is to make sure that the claim you receive is fair to both parties. Because most insurance companies want to pay you less than you deserve, attorneys should be dedicated to taking your recovery to the highest justifiable limit. After a high number has been set, the insurance companies and the lawyers often negotiate the amount of recovery you should actually receive. Once a middle ground has been met, the justice system has prevailed. You are no longer being taken advantage of, and the insurance company isn’t forced to pay more than they deserve to pay.
Finally, you can start rebuilding and resurrecting your life. The insurance company CEO’s do not know what Floridians go through every year. The prospect of losing everything is all too real for us, and we know that hurricanes cannot be taken lightly. As Floridians, we at Viles and Beckman understand the unique aspects of hurricane insurance claims and are more than willing to help you get the most for your claim. Because the money you receive is so vital to jumpstarting your life, hurricane insurance claims will be dealt with in such a manner that we will not be subtracting our attorney fees from your claim agreement. Instead we will incur our charges from the insurance company directly on top of your settlement. Put simply, we will represent you at no cost to you, even after your settlement.