Renters Insurance Claim Lawyer

In the event that you need to a file a renters’ insurance claim for damaged or stolen property, you’ll want to get compensated for your loss as soon as possible.  The best way to ensure your insurance company pays the full amount you are entitled to is to hire a Florida rental insurance claim lawyer.

Our Florida rental insurance claims lawyers have an understanding of the basics of the claims process and will help you save a lot of time and hassle, and maximize your recovery under your insurance policy.  Renter’s insurance in Florida usually covers the personal belongings of the tenant who resides in a rental home. Although the home you reside in is covered by homeowner’s insurance, your landlord’s homeowner’s insurance policy does not cover your personal property that is damaged.

Renter’s insurance policies typically cover damage to furniture, appliances, electronics, clothing, jewelry, personal belongings and any personal liability protection from any injuries sustained inside the rental home. Additionally, some renter’s policies will cover living expenses if the rental home becomes uninhabitable. However, renter’s policies will not usually cover any damage caused by intentional or negligent acts of the tenant.

If a claim under your renter’s insurance policy has been denied or disputed in bad faith by your insurance carrier, it is important to hire a Florida Renters Insurance Lawyer.  Filing a renters’ insurance claim is similar to filing most other types of insurance claims, and if you don’t follow the filing process correctly, you may run the risk of getting your claim denied or getting less than you’re entitled to.  In the event of a loss you should notify your landlord of any damages or losses.  Your landlord may be liable for damage to the unit as well.  In the event of theft, vandalism, and/or burglary, you should also contact the police and have a report generated.

When it comes to stolen property with serial numbers and makes / models a police report can go a long way in recovering your actual property quickly.  The police and local pawn shops have a database and a notification can result if the thief attempts to pawn your items.  The police report can also help make the claims process run more smoothly.  If you had items stolen the first thing the insurance adjuster will ask is if a police report was filed, and if not, why not.

You should document your losses.  A detailed written inventory is useful for several reasons. First, writing down a list of your damaged or lost possessions will help you file a claim more quickly and with more completeness, especially if you include photos or videos. Second, your insurer will be in a better position to determine the replacement cost of your damaged or lost items. This allows your insurer to settle a claim faster.