Best Disability Attorneys in Riverview, FL

The attorneys at Merlin Law Group will choose top industry experts tailored to your specific type of claim and in most cases, the firm fronts all costs for experienced experts in order to build the strongest case for you, the policyholder. We also have a dedicated trial team should your case head to trial. From engineers to contractors to independent professionals, Merlin Law Group retains qualified experts to adequately assess your insurance claim. The utilization of these professional expert witnesses sets Merlin Law Group apart from other insurance law firms.

Oftentimes no. Policies will include wind damage and in some cases, water damage, but damage from flooding is another element that is typically excluded from most policies. Homeowners will need to obtain flood damage coverage through an authorized private carrier or public entities like the National Flood Insurance Program or FEMA.

Insurance policies often contain something known as anti-concurrent causation clauses. These clauses say when two perils occur simultaneously and the homeowner is only covered for one, the insurer will not cover the damage. For example, if you file a wind damage claim but your property also sustained water damage your insurer could deny the claim on the grounds that water damage is excluded from your policy. Supplemental coverage can help with avoiding this type of situation. We recommend reviewing your policy to pinpoint any anti-concurrent causation clauses that exist.

Verisk, an analytics firm providing data for insurance and financial companies, published a 2019 report that outlines Texas, Illinois, Missouri. Minnesota, Oklahoma, Kansas, Indiana, Virginia, North Carolina, and Colorado as the top 10 states affected by hail damage.

A partial loss situation arises when the property is not completely destroyed. Partial loss situations tend to carry hidden damages, which can include a variety of things including any inadequate or improper repair or cleaning methods, smoke and/or ash remnants, diminished air quality, or air duct destruction. Another issue with partial loss claims is insurer delay, as most insurers consider these low priority cases. A total loss is when the property is destroyed. The insurer deems the case a total loss, not the insured. Bear in mind you have the right to hire a public adjuster to assess the damage and determine whether it meets the criteria for a total loss prior to submitting your fire and smoke damage claim. A strong sign of a total loss is considerable structural damage. If any core components of the property are damaged, thus rendering the foundation as hazardous or otherwise, the property may be considered a total loss.