tarps on damaged roofs after Florida hurricaneHomeowners insurance is designed to provide financial protection and peace of mind in the event of unexpected disasters or accidents. However, no insurance company ever got rich by approving every claim and being generous in awarding compensation. In fact, adjusters will often push back against legitimate claims in the hope that the homeowner will accept less than they are owed just to resolve the claim quickly.

When your home has been damaged in a storm, fire, or household accident, you don't have to settle for less than what you deserve. Contact attorneys Laura Sulisufay and Kelli Martinez to fight on your behalf. Your home is your most valuable possession. Allow us to help you protect it.

Homeowner Claims That Tampa Insurance Companies Fight

While insurance policies are supposed to cover a wide range of potential damages and liabilities, there are certain types of claims that often face pushback from insurance companies. If you have experienced any of these events and have met with delays or resistance from your homeowners insurance company, Suli Law is here to help.

Storm Damage

Storm damage claims, including those from hurricanes, tornadoes, and hailstorms, can face pushback due to the potential scale and cost of repairs. Insurance adjusters may argue over the extent of the damage or attempt to categorize it as preexisting wear and tear.

Fire Damage

Fires can be devastating, and homeowners often rely on their insurance policies to help them rebuild their lives after such disasters. However, insurance companies may challenge fire damage claims, especially if arson or fraud is suspected or if the homeowner's coverage is insufficient to cover the full extent of the loss. 

Water Damage

Water damage claims can be some of the most challenging to navigate with insurance companies. Insurers frequently scrutinize the cause of water damage, denying claims that they deem a result of negligence or lack of proper maintenance. Homeowners can encounter pushback when trying to prove that the damage was sudden, accidental, and beyond their control.

Mold Infestations

Mold can grow rapidly in moist environments and is often a consequence of water damage. Insurance companies may dispute mold-related claims, arguing that they result from long-term neglect or lack of preventative measures. 

Roof Damage

Roof damage claims are another area where homeowners may encounter resistance. Insurance companies may argue that the damage is due to normal wear and tear rather than a sudden event like a hailstorm or falling tree branch.

What a Lawyer Will Do to Help You Fight Back

Your insurance company might try to convince you that you don't need a lawyer, but when your family is being affected by storm or fire damage, why would you trust an agent who is trying to save their employer money on a big claim? When you work with Suli Law, we will help you by doing the following.

Gathering and Organizing Evidence

We are skilled at gathering and organizing evidence to support your claim. Our team will work with you to compile documentation, photographs, estimates, and any other relevant information that proves the legitimacy of your claim. This evidence can be essential in negotiations with the insurance company or, if necessary, in court.

Communicating With the Insurance Company

Attorney Lisa Sulisufay is adept at communicating with insurance companies because she used to represent them. She can draft persuasive letters and engage in negotiations on your behalf. Often, the mere presence of legal representation signals to the insurance company that you are serious about your claim, which can lead to more favorable outcomes.

Dispute Resolution and Negotiation

If the insurance company disputes or undervalues your claim, we will employ negotiation skills to reach a fair settlement. We will engage in discussions, present evidence, and argue your case, all with the goal of ensuring that you receive the compensation you are entitled to under your policy.

Appeals and Litigation

In cases where negotiations fail to yield a satisfactory resolution, we can file an appeal or take legal action against the insurance company. This includes initiating a lawsuit to enforce your rights as a policyholder. We can navigate the complex legal process, represent you in court, and advocate for your interests.

Protection Against Unfair Practices

Insurance companies have a duty to act in good faith when handling claims. If your insurer engages in bad faith practices, such as unreasonable delays, lowball offers, or wrongful claim denials, Suli Law can hold them accountable. We may pursue legal action against the insurer for acting in bad faith, seeking additional compensation on your behalf.

Providing Peace of Mind

Dealing with a difficult insurance company can be stressful and time-consuming. Having an attorney on your side can provide peace of mind, knowing that a knowledgeable, fierce advocate is working to ensure you receive the coverage you paid for and deserve.

Contact Suli Law When Your World Has Been Turned Upside Down

You might be feeling like you have lost everything right now, but after a free consultation with Suli Law, you will see that hope is not lost. We are here for you, and no one will fight harder to help you get back what the storm or fire has taken away from you than us. Fill out our contact form or call us anytime, day or night.