Insurance Litigation Windstorm and Hurricane damage are some of the leading causes of homeowners insurance claims in the State of Florida. Every year as hurricane season approaches, homeowners prepare the best they can for the possibility of strong winds that may cause damage to their home. After a storm has damaged property, many homeowners are left at the mercy of their insurance company to decide for them if the damage will be covered. Often, insurance companies outright deny coverage or provide them a lowball offer. This is the time for homeowners to seek professional representation. Our insurance attorneys at Lopez & DeFilippo will help guide you through this process of holding your insurance company accountable for your loss. Dealing with storm damage to your home can be difficult enough, but it’s made worse when your insurance company, whose premium you’ve paid every month, refuses to cover the loss. In Florida, insurance companies are typically faced with a large volume of claims that are filed after a hurricane comes through. In order to minimize their losses when this occurs, insurance companies will do just about anything to outright deny or avoid fully paying a large percentage of those claims, despite their policy obligations. Unfortunately, this unsavory insurance practice often results in thousands of Florida homeowners not getting the vital insurance proceeds they need when they need it the most. With this in mind, if your Florida home or property has been damaged due to a hurricane or windstorm, it is important to hire an attorney that knows how to handle these claims. Our insurance litigation attorneys have the knowledge and skills necessary to fight the insurance companies and will strive to secure the insurance proceeds that you deserve under your policy. At Lopez DeFilippo, when we take on your case it means we believe in you and your claim. Which is why we make the promise to all our hurricane/wind damage clients that we will not get paid until you do. Water Damage is one of the leading causes of homeowner’s insurances claims in the State of Florida. Some common types of water damage to property includes burst pipes, heavy rain, flooding, or appliance failure. If your property has experienced any damage due to water your first call should be to an insurance attorney that handles these types of claims. The insurance company is not on your side, in fact they are usually against you when deciding whether to provide coverage for your loss. Insurance companies may try to deny your claim for a variety of reasons, including trying to place the liability on you by claiming that the damage was caused by a preventable maintenance issue or that the extent of the damage was due to a failure to mitigate damages. Having a competent legal representative with your best interests in mind can make the difference in your efforts to receive an appropriate settlement for your water damage. It is important to hire an attorney that knows how to counter the insurance companies’ common denial tactics in order to secure the insurance proceeds that you deserve under your policy. At Lopez DeFilippo, when we take on your case it means we believe in you and your claim. Which is why we make the promise to all our water damage clients that we will not get paid until you do. Mold Damage – In the warm and damp environment that comes with the subtropics, the growth of damaging mold is a problem that homeowners face all too often. Many times, insurance companies try to claim the presence of mold is unavoidable or has not been the direct cause of any damage sustained. The Mold Insurance Attorney’s at Lopez & DeFilippo are here to protect clients’ rights whether their home sustained structural damage or their health was affected by the presence of dangerous mold growth within their home. Identifying the presence of harmful mold is not always easy, which is why you should consult with an experienced mold attorney if you are unsure if you have a potential mold claim. When our mold attorneys take on your case, they will thoroughly investigate to find the cause of the mold problem you and your family are facing. This is important because if the mold was caused by any number of covered events within your homeowners insurance policy the entire cost of the mold remediation may be covered. Some of these causes include roof leaks, burst pipes, water damage, flooding, and storms. At Lopez DeFilippo, when we take on your case it means we believe in you and your claim. Which is why we make the promise to all our mold clients that we will not get paid until you do.