Clearwater residents who have homeowners insurance, auto insurance, medical insurance, and others expect their insurance carriers to pay claims fully and promptly. You pay your premiums on time, so insurers should follow suit when it comes to processing and paying claims. If you have a valid first-party insurance claim which has not been paid, contact a Clearwater insurance claims lawyer to review your situation, analyze your insurance policy, and determine what course of action makes the most sense for you. Speak to an experienced personal injury attorney about how to recover the compensation you deserve.

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When disputes arise between parties, many times the emotions or the personalities preclude a matter from concluding itself on the legal process. Unfortunately, most people don’t recognize that civil litigations are won or lost before the first court filing ever happens. In order to properly prepare the litigated case, you need to know the strengths and weaknesses of your own position before you can access the strengths and weaknesses of the other side. At the law office of Tragos & Sartes, our lawyers have the experience, education, and technical ability to engineer a party’s position to give our clients the best possible chance of succeeding in their endeavor.

Our law firm has built its reputation on finding hard and using the resources of our firm to champ at our client’s cause. If you are involved in a dispute with another company or an individual, call us for an evaluation. Diligent preparation now may mean a difference between a reasonable settlement early or a long-drawn-out cost of legal battle. Our firm has represented Fortune 500 corporations, mid-sized companies, and even local small businesses, and a number of civil litigations against the EEOC, IRS, and EPA, other corporations, and even in cases that are like fraud and dishonest business practices. When push comes to shove, you want us on your side.

Fighting Insurance Claim Denials

Insurance policies between insurers and insureds (policyholders) are often dozens of pages long and contain language that only very experienced insurance company representatives can interpret. However, insurance policies are simply contracts in which insurance companies assume a specific risk in exchange for insurance premiums. When that risk materializes, it triggers – or activates – coverage under the policy. After filing a valid claim, insurance companies are required to pay out whatever proceeds were agreed upon and are due under the policy. When that does not happen, Clearwater homeowners can fight back against insurance companies who deny their claims.

Denying homeowners insurance claims is a significant issue for Clearwater homeowners who live close to the Gulf of Mexico where hurricanes and tropical storms are common. Under most Florida homeowners insurance policies, insurers generally cover any damage to a home, its contents, and the property it sits on – including damage caused by fire, windstorms, hail, lightning, vandalism and more.

Commonality of Water Damage

For many Clearwater residents, the threat of water damage in Florida’s low lying terrain is always a concern. Some may be required to carry separate flood insurance. Those who are not required to carry flood insurance are often not covered by water damage (or flooding) under their homeowners policy. However, it is often difficult to determine whether a home was damaged by water or wind since hurricanes and tropical storms generally consist of both.

Many insurance companies will simply tell homeowners that damage to their home was caused by water, and therefore, damages are not covered. It is an easy way out and many homeowners simply accept an insurance company’s decision and walk away. Clearwater residents should never walk away without contacting a Clearwater insurance claims lawyer first. Taking on insurance companies who make rash coverage decisions which harm Clearwater homeowners is what they do. Rest assured that insurance companies will have teams of lawyers representing their best interests. Clearwater homeowners need someone to represent theirs – and level the playing field in the process.

Contacting an Attorney

Clearwater residents who have not received insurance proceeds due them should seek the counsel of an experienced Clearwater insurance claims lawyer who can take over the first-party claims process, as well as deal with insurance company claims adjusters and attorneys to get your claim paid.

When insurers have not treated a policyholder in good faith or dealt with them fairly, a Florida bad faith insurance practices lawsuit may be advisable. The bottom line is that Florida insurance carriers have a duty to their policyholders. When they breach that duty, they can – and should – be held accountable for their actions. Find out more about your options by contacting a first-party insurance claims attorney today.

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