Fort Lauderdale
Fort Lauderdale home insurance attorneys
Fort Lauderdale Home Insurance Lawyers You Can Trust
Has your homeowners’ insurance claim in Fort Lauderdale been denied, delayed, or underpaid? If your Fort Lauderdale home was damaged by a storm, fire, burst pipe, or other unforeseen disaster, your homeowners’ insurance should provide the financial support you need to rebuild. Unfortunately, insurance companies often put profits before people, leaving families to fight for the coverage they’ve paid for.
At Schilling & Silvers Personal Injury & Car Accident Lawyers, we protect homeowners from bad-faith insurance practices and help them recover the compensation they’re owed. Whether your claim has been denied, delayed, or lowballed, our experienced Fort Lauderdale home insurance lawyers are ready to step in and fight for your rights. Call (954) 703-1325 now for a free consultation.
Fort Lauderdale Home Insurance Lawyers You Can Trust
Has your homeowners’ insurance claim in Fort Lauderdale been denied, delayed, or underpaid? If your Fort Lauderdale home was damaged by a storm, fire, burst pipe, or other unforeseen disaster, your homeowners’ insurance should provide the financial support you need to rebuild. Unfortunately, insurance companies often put profits before people, leaving families to fight for the coverage they’ve paid for.
At Schilling & Silvers Personal Injury & Car Accident Lawyers, we protect homeowners from bad-faith insurance practices and help them recover the compensation they’re owed. Whether your claim has been denied, delayed, or lowballed, our experienced Fort Lauderdale home insurance lawyers are ready to step in and fight for your rights. Call (954) 703-1325 now for a free consultation.
Understanding Homeowners' Insurance Coverage in Fort Lauderdale
Most Florida homeowners’ insurance policies are designed to protect you from sudden and unexpected events that can cause significant property damage. Think powerful hurricanes, lightning strikes, or an unexpected fire that leaves your home uninhabitable. These are the kinds of situations where insurance coverage becomes your financial safety net. For flood protection, a separate policy is needed t
In terms of structure, your policy generally includes five main types of protection:
- Coverage A (Dwelling): Covers repairs to your home’s main structure, like your roof, walls, or foundation.
- Coverage B (Other Structures): Includes detached property on your land, such as fences, sheds, or garages.
- Coverage C (Personal Property): Helps replace or repair damaged or stolen items inside your home, like furniture, clothing, or electronics.
- Coverage D (Loss of Use): Covers additional living expenses, such as hotel bills or meals, if your home is temporarily uninhabitable.
- Coverage E (Liability Protection): Provides legal and financial protection if someone is injured on your property or if you accidentally cause damage to someone else’s.
Common Types of Home Insurance Claims in Fort Lauderdale
The home insurance legal team at Schilling & Silvers has helped homeowners recover compensation for decades, covering nearly every type of property damage. Common claims we’ve seen in South Florida include:
- Hurricane & windstorm damage
- Flood & water damage
- Cast iron pipe failure
- Roof leaks & structural damage
- Mold growth
- Fire & electrical damage
- Hail damage
- Burst pipes & plumbing failures
We understand how to properly document damages, challenge denial tactics, and push for full policy benefits, even if you’ve already received a partial payout or initial denial.
When to Hire a Homeowners' Insurance Lawyer
Too often, Fort Lauderdale policyholders discover that their insurer isn’t playing fair. Some of the most common tactics we see include:
- Claim Delays: Insurers may drag their feet on inspections or paperwork in hopes you’ll give up. Florida law sets specific deadlines for insurers to respond to claims, and we’ll hold them accountable.
- Lowball Settlements: They may offer far less than what your repair estimates show, hoping you'll take it and move on.
- Denied Claims: Many insurers deny claims by blaming "pre-existing damage" or citing obscure policy exclusions.
- Poor Communication: Homeowners are often left in the dark with no clear explanation about their claim status or payout.
The homeowners’ insurance attorneys at Schilling and Silvers are well-versed in how insurance companies work. When we partner with our clients to take over the process, our team ensures we push back hard against these practices.
When to Hire a Homeowners' Insurance Lawyer
You should consider hiring a Fort Lauderdale homeowners’ insurance attorney if:
- Your claim has been denied, delayed, or undervalued
- You're filing a high-value or complex claim
- You're dealing with extensive hurricane or storm damage
- You feel overwhelmed by the claims process
- Your insurer is unresponsive or uncooperative
Even if your claim hasn’t been denied yet, getting a lawyer involved early can prevent costly mistakes and maximize your recovery. Here’s why clients choose Schilling & Silvers:
- Millions recovered for Florida homeowners
- Local experience with Fort Lauderdale insurers and contractors
- No upfront fees – We don’t get paid unless you do
- Dedicated to policyholders – not insurance companies
Our team knows how to investigate damage, interpret policy language, and hold insurance carriers accountable. We fight to get you paid, so you can get back to normal.
We’re Ready When You Are
If you’ve been injured, the clock is ticking. Let’s talk! We’ll review your case for free, explain your rights, and help you move forward with confidence.
We’re Ready When You Are
If you’ve been injured, the clock is ticking. Let’s talk! We’ll review your case for free, explain your rights, and help you move forward with confidence.
What Are Some Common Types of Insurance Claims for Homeowners in Fort Lauderdale, Florida?
Homeowners in Fort Lauderdale often face a variety of challenges when it comes to maintaining the safety and integrity of their homes. Over the years, various incidents have led homeowners to file multiple insurance claims. Here are some of the most common types of property damage and homeowners’ insurance claims in Fort Lauderdale, Florida:
- Cast iron pipe claims – Fort Lauderdale’s older homes often feature cast iron plumbing. Over time, these pipes can deteriorate, leading to potential home damage. Homeowners with these older pipes should be vigilant and consider necessary upgrades.
- Fire damage claims – Fires can arise from various causes, from electrical issues to natural disasters. Immediate reporting and documentation can expedite the claims process and aid in recovery.
- Flood damage claims – Flooding poses a significant threat, especially when considering recent incidents like the historic floods caused by Hurricane Ian. The devastation led many residents of Fort Lauderdale to suffer immense losses. Homeowners are urged to consider adding flood coverage if they haven’t already.
- Hail damage claims – While not as common as hurricanes, hailstorms can inflict significant damage, especially to roofs, vehicles, and outdoor structures. Quick assessments post-hail events can aid in a smoother claims process.
- Hurricane damage claims – Fort Lauderdale’s coastal location makes it susceptible to the wrath of hurricanes. As a recent update, NOAA forecasters are predicting an “above normal” likelihood of heightened hurricane activity in the approaching months. Homeowners are advised to review their policies and ensure they are adequately covered for such events.
- Mold damage claims – Mold growth, often a consequence of unchecked water damage, can undermine the structure of a home and pose health risks. Immediate remediation is crucial to minimize the mold’s impact.
- Roof damage and roof leak claims – A compromised roof can lead to a range of issues, from water damage to mold. Regular roof inspections can preempt significant problems.
- Water damage claims – This is one of the most frequent claims. Factors like leaking pipes, appliance malfunctions, or rainwater seepage can lead to extensive water damage, emphasizing the importance of periodic home maintenance.
For immediate legal assistance from a skilled and experienced Fort Lauderdale home insurance attorney, contact us today. Our legal team is never to busy to speak with you and answer any questions you may have.
How the Insurance Companies Take Advantage of Florida Policyholders
In the beautiful landscapes of Fort Lauderdale, homeowners expect their insurance companies to be there for them when things go wrong. Regrettably, some insurance companies use deceptive tactics that can harm policyholders. Here’s a rundown of the most common approaches and how homeowners can respond:
Delays in Processing or Paying Claims
When it comes to repairing a damaged home, time is of the essence, but some insurers purposefully delay the claim process. This delay can cause undue stress and financial strain on the policyholder.
Combatting the Delays with a Lawyer’s Assistance
Fort Lauderdale homeowners don’t have to face these delays alone. Engaging an experienced homeowners’ insurance attorney in Fort Lauderdale can be instrumental in expediting the process. These attorneys are familiar with the insurance environment and can effectively communicate with the insurer to speed up the claim’s progression.
The legal framework in Florida, combined with the terms in many insurance contracts, ensures that homeowners get treated fairly and that their claims get resolved in a timely manner.
Low Settlement Offers
Receiving a settlement offer that falls short of the true extent of the damage can be discouraging. Some insurance companies may make these “lowball” offers in the hope that uninformed homeowners will accept them.
Leveraging a Lawyer to Navigate Low Offers
Before accepting any settlement, homeowners should consider consulting with a knowledgeable attorney. These experts can provide an unbiased assessment of the damage in relation to the suggested settlement. If the offer isn’t satisfactory, the attorney can communicate with the insurance company directly, advocating for a fair payout that accurately reflects the incurred damages.
When Do I Hire a Lawyer For a Homeowners' Insurance Claim in Fort Lauderdale, Florida?
Many Fort Lauderdale residents are unsure when to hire a legal representative for a homeowners’ insurance claim. If you are in the process of making a claim or have already made a claim and it has been denied, you may wonder if you need legal representation. Denial of coverage is one of the most common reasons why people seek out the help of a skilled and experienced Fort Lauderdale home insurance lawyer. If your insurance company has denied your claim,
Our skilled legal team can review your policy and help you understand your coverage. We can also negotiate a fair settlement with the insurance company if you have already suffered a loss, such as damage to your home or personal belongings.
Understanding the intricate rules of a homeowners’ insurance claim can be difficult. While some claims are straightforward, others may require the assistance of an attorney. So, aside from when it has been denied, when should you consult a lawyer about your claim?
- Complex or high-value claims – A lawyer can be extremely helpful if you are facing a significant or complex lawsuit. They can assist in ensuring that all damages get accounted for and negotiate the best possible settlement. Their experience frequently leads to larger payments than homeowners could achieve on their own.
- Delays in claim payouts – Continuous delays in getting your claim can be aggravating as well as legally questionable. Each state has its own set of rules that insurance companies must follow when processing claims. A lawyer can address this breach if your claim lasts beyond the legally permitted time limit.
- Initial consultation and policy review – Before making any decisions, speak with a legal representative about your claim. Many offer free or low-cost initial consultations to review your policy, break down complex terminology, and provide guidance. This initial conversation can provide you with the information you need to decide whether you’ll continue negotiations on your own or with the help of an attorney.
- Unclear fault or unfair settlement offers – Homeowners may face difficulties when figuring out responsibility or when the insurance company’s payment seems low. An attorney will provide clarity, strengthen your position, and help you get a fair settlement.
Remember, involving an attorney doesn’t necessarily mean you’re heading to court. Often, their role is to simplify the process, ensure you protect your rights, and help you get the settlement you deserve.
No matter what property damage you have suffered, our legal team can help you get the compensation you need to repair or replace your property.
What Are Some Reasons Why My Fort Lauderdale Homeowners' Insurance Claim May Have Been Rejected?
There are a number of reasons why your claim may have been rejected. Frequently, these denials arise because insurers have incorrectly applied policy exclusions. This exclusion is standard unless the damage existed or resulted from neglect or inadequate repair, and the damages were not caused in the absence of the claimant.
Therefore, you can review the insurance coverage before claiming the damages you have against the insurer for the type of event covered.
For example, suppose you think your insurer has wrongly denied your claim. In that case, it is best to talk to an experienced Fort Lauderdale homeowners’ insurance attorney about the denial and the possibility of pursuing a lawsuit against the insurer.
How Much is My Fort Lauderdale Homeowners' Insurance Settlement Worth?
Settlement amounts for homeowners’ insurance claims vary greatly depending on the circumstance, amount of damage, and the insurance a particular homeowner had at the time. Below are some examples of cases the Fort Lauderdale homeowners’ insurance attorneys at our law firm have won and the settlement amounts.
- $150,000 settlement for lightning damage to house
- $162,500 settlement for roof damage to house
- $102,500 settlement for hail damage to house
- $145,000 settlement for wind damage to commercial building
- $160,000 settlement for tropical storm damage to house
- $115,000 settlement for hurricane damage to house
- $300,000 settlement for hurricane damage to commercial property
Fort Lauderdale, Florida
Fort Lauderdale, Florida, known for its boating canals and beautiful beaches, is a must-see destination on Florida’s southeastern coast. However, its picturesque setting does not protect it from the forces of nature. While the city has a tropical rainforest climate with warm temperatures all year, it also faces a number of climatic challenges.
Storms, tornadoes, and, most notably, hurricanes are common in Fort Lauderdale’s climate. These natural disasters pose a real risk to properties, highlighting the importance of residents’ preparedness and resiliency. Fortunately, Fort Lauderdale residents have access to a variety of specialized services to help with home repairs and restorations:
- Dry-Pro Restoration Services LLC: Specializing in water and mold restoration, Dry-Pro is known for its swift response and quality service. They pride themselves on ensuring properties are dry, safe, and restored to their original state after water-related incidents.
- Handyman Extraordinaire: Chris, the “Handyman Extraordinaire,” is known for his meticulous attention to detail and wide range of services. From plumbing to painting, he brings a personal touch to every project.
- Mr. Handyman: An established name in home repair, Mr. Handyman provides a gamut of services tailored to the needs of Fort Lauderdale residents. Their professionalism and punctuality have made them a favorite choice for many.
- GLK Construction: Offering a comprehensive suite of remodeling services, GLK Construction tackles everything from roofing to room additions. Their commitment to quality and customer satisfaction sets them apart.
As Fort Lauderdale grapples with natural challenges, it’s reassuring for its residents to know they have reliable resources at their fingertips to restore their homes and peace of mind.
Experienced Homeowners' Insurance Claim Lawyers in Fort Lauderdale, Florida
Understanding the complicated world of home insurance claims in Fort Lauderdale requires expertise, dedication, and a thorough understanding of local details.
Schilling & Silvers has solidified its position as a market leader in this field. Our distinguished law firm has been unwavering in advocating for homeowners and ensuring they receive the justice and compensation they deserve for years.
Our skilled Fort Lauderdale home insurance attorneys’ deep commitment can be seen not only in our in-depth understanding of homeowners’ insurance challenges but also in the personalized attention we give to each case.
Our legal team understands that each claim is unique, and we approach each situation with tailored strategies and fierce determination. Our impressive track record, as well as the testimonials from many satisfied clients, speak to our unrivaled expertise and dedication in the field of homeowners’ insurance claims. Choosing our law firm means picking experience, professionalism, and a genuine commitment to your cause.
In addition to Fort Lauderdale, our legal team also serves Pompano Beach, Miami, Weston, Plantation, Hialeah, Sunrise, Davie, Fort Myers, and more.
Real Stories. Real Results.
What Our Clients Say
We treat every client like family — and it shows. Here’s what real people have to say about working with The Bald Injury Lawyers.
Mike Evans
Mike Evans
We hired Schilling & Silvers Personal Injury & Car Accident Lawyers after being unable to reach an acceptable settlement with an insurance company. Aaron handled everything professionally, kept us informed regularly, and quickly negotiated the settlement we were looking for. I would highly recommend Schilling & Silvers Personal Injury & Car Accident Lawyers for your legal needs!
Farrah Caroll
Farrah Caroll
I hired Schilling & Silvers Personal Injury & Car Accident Lawyers to help with my Insurance claim. Mr.Silvers was able to get my case settled fairly quickly. He was very professional.i would recommend him in the future to anyone needing assistance with claims. Thank you so much.
Crystal McLaughlin
Crystal McLaughlin
Mr. Silvers and staff are wonderful. They keep you updated on your case. They have quick response time. I highly recommend Schilling & Silvers Personal Injury & Car Accident Lawyers
Fort Lauderdale Home Insurance Claim FAQ
Still feeling unsure? More questions? These might help!
What should I do if my insurance claim is denied?
Contact a homeowners’ insurance lawyer immediately. We’ll review your denial letter and policy, gather evidence, and fight the denial through negotiation or litigation if necessary.
How much is my claim worth?
It depends on the extent of the damage, your policy limits, and whether your claim was properly documented. We’ve secured settlements ranging from $100,000 to $300,000+ for wind, water, and storm damage.
How long do I have to file a home insurance claim in Florida?
In most cases, you have one year from the date of loss to report the claim. However, the sooner you act, the better your chances of a successful outcome.
Can I file a claim for mold damage?
Yes, but mold coverage depends on the terms of your policy. Mold from sudden water damage may be covered; mold from long-term neglect usually isn’t. We can help you determine eligibility.
Do I need a lawyer if the insurance company already made an offer?
Yes, especially if the offer seems too low. Insurers often undervalue claims. We can assess your damages and negotiate a higher settlement.
Talk to a Fort Lauderdale Homeowners' Insurance Attorney Today
Whether you’re just beginning the claims process or struggling with a denied or delayed claim, we’re here to help. Call (954) 703-1325 today or fill out our contact form for a free consultation with a Fort Lauderdale home insurance lawyer. We serve clients throughout Broward County, including Plantation, Sunrise, Weston, Davie, Pompano Beach, and Miami.