Supplemental Claim Lawyer Serving Southeast and Southwest Florida
Filing a supplemental insurance claim can be confusing. Our law firm has over a decade of experience taking on insurance companies for clients like you. An experienced supplemental claim lawyer at EC Law Counsel can guide you through the process.
Florida law requires insurers to pay undisputed damages promptly. While this initial claim and payout allow you to begin repairing your home, you will likely need to file a supplemental claim for damages. For help with your supplemental claim in southeast or southwest Florida, call us today at 954-861-0833.
We Can Help You Navigate Your Initial and Supplemental Claims
Florida insurance companies must pay undisputed damages from residential property claims within 90 days from the date you reported the claim. Undisputed damages equal the valuation the assessor assigned after inspecting your home. Unfortunately, this amount may be less than the actual damages you incurred.
Insurance companies may calculate your undisputed damages using actual cash value. However, the cash value is the cost of replacing your property after applying an insurer-defined depreciation schedule. Consequently, these determinations often undervalue the extent of your damage.
If you are confused, you’re not alone. Insurance claims are notoriously difficult to handle on your own. When you receive a payment for undisputed damages, our lawyers at EC Law Counsel can help you avoid common mistakes.
Do Not Sign a Release Form
Sometimes insurance companies will ask you to sign a release form when they pay for undisputed damages. You should never sign a release form. Once signed, you may no longer file a supplemental claim for damages.
If your insurance company asks you to sign a release form, contact an experienced supplemental claim lawyer at EC Law Counsel as soon as possible.
Cashing the Check for Undisputed Damages Is Not a Settlement
Cashing the check for undisputed damages is not the same as accepting a settlement. This check will allow you to start repairs, but you will likely need to file a supplemental claim for damages as the repairs proceed.
Having cashed the check for undisputed damages does not prohibit you from seeking additional damages in a supplemental claim for damages as long as you did not sign a release.
Your Insurer Cannot Close Your Claim
You might attempt to file a supplemental claim only to be informed that your insurer closed the claim. This is misleading, as only a settlement or judgment can close an insurance claim.
Your insurer may hope you will give up and pay for the additional damages yourself, but our lawyers can help you reopen your claim and file a Notice of Intent to Initiate Litigation under section 627.70152 of the Florida Statutes.
Contact an Insurance Attorney at EC Law Counsel for Help with Initial and Supplemental Claims
An experienced supplemental claim lawyer at EC Law Counsel is ready to put our decade of experience to work for you. We can handle the entire process for you and fight to protect your interests. Call us at 954-861-0833.