If you are a Florida property owner who has had a damage claim denied or underpaid, we can help. Our experienced attorneys understand the complex claims process as well as how the new Florida law impacts that process. We have the expertise and resources to help property owners who have experienced damage from storms, fire, mold, and other natural disasters. If your insurance company denied your claim or offered less than the full value of your claim, you have the right to challenge that decision. Having an experienced Florida property damage claim attorney on your side is the key to ensuring that your claim is paid in full. Contact the team at Reed & Reed online or by calling 813-438-5960 today so we can get started advocating for you and your rights at no cost to you unless your claim is paid.
Reed & Reed attorney Paul Reed joined ABC Action News' talk show Morning Blend to offer viewers advice on best practices both before and during the process of filing a claim with insurance companies for property damage.
With recent changes to Florida’s insurance laws, which have eliminated attorney fee recovery and made it more challenging to receive timely claim payments, it’s crucial to seek legal counsel as soon as possible—ideally before contacting the insurance company—to ensure the best possible outcome.
Storm & Hurricane Damage
Property owners in the Sunshine State prepare each year for the Atlantic hurricane season, which brings an average of 14 named storms, seven hurricanes, and three major hurricanes to the state, according to the National Oceanic and Atmospheric Administration (NOAA). No amount of preparation, however, can prevent the damage and destruction that a tropical storm or hurricane can cause. In the aftermath, property owners turn to their insurance companies to cover the costs associated with repairing or replacing their property only to experience delays, denials, and underpaid claims. Do not try to take on your insurance company alone. Let an experienced property damage attorney at Reed & Reed negotiate on your behalf to ensure that your claim is paid in full and without further delay.
Fire and Lightning Damage
Whether caused by an electrical malfunction, lightning, exposed wires, or an accident, a fire can cause extensive damage to your property. Tampa Bay, often the lighting capital of the United States, experiences frequent strikes that contribute to more fires than you might expect. Even after flames are extinguished, smoke and ash can cause extensive damage, leading to costly repairs that may take weeks, even months, to complete. Establishing the cause of a fire can also be a complex and time-consuming process. Insurance companies often deny or underpay fire damage claims when the investigation leaves room to contest the underlying cause of the fire. At Reed & Reed, our property damage attorneys are familiar with these tactics, and we have the expertise and resources to tirelessly advocate on your behalf to maximize your financial recovery.
Storm & Hurricane Damage
Hurricanes and Storm damage to homes and businesses in Florida and Georgia, often leaving property owners struggling with insurance claims. Common damages include broken windows, roof damage, flooding, and destruction of personal property. Insurance companies may delay payments, underpay, or deny claims altogether. To navigate this challenging process, the storm damage attorneys at Reed and Reed advocate for clients, ensuring they receive fair compensation. These attorneys understand the complexities of insurance policies, help document damages, negotiate with insurers, and if necessary, litigate claims. Their goal is to relieve the stress of the claims process, allowing property owners to focus on rebuilding their lives.
Mold Damage
Mold can grow on numerous surfaces inside your home or business, including carpets, drywall, ceiling tiles, wood flooring, and ceramic tiles. Encountering mold inside your home or business can be frightening. Not only is mold unsightly, but it can cause serious health problems as well because it can produce allergens and potentially toxic substances in the form of mold spores that can permanently damage your lungs if inhaled. Mold can be caused by water leaks, floodwaters, and condensation that collects on windows and walls, in crawl spaces and bathrooms, and anywhere else where moist air hits a cold surface. Insurance companies frequently deny mold claims by categorizing the mold as “flood water” damage that is specifically excluded from coverage. While flood damage may indeed be an exclusion under your insurance policy, mold damage may be an insured loss that should be covered. If your property has been damaged by mold, the team at Reed & Reed will review your insurance policy as well as investigate your claim, and discuss your legal options with you.
Roof Damage & Leaks
Having a structurally sound roof is imperative to the safety and habitability of your property. Because roof damage claims are both common and costly in Florida, they are frequently denied or underpaid by insurance companies. One common tactic used to deny roof damage claims is to assert that a third party, such as the installer or manufacturer, is responsible for your losses. You may also find that your claim is underpaid based on an unrealistically low estimate provided by the insurance adjuster for the cost of repairs or replacement. At Reed & Reed, we understand the urgency of addressing roof damage claims, and we are committed to ensuring that your insurance company fulfills its obligation to cover the full cost of repairs or replacement.
Water Damage
Water damage from hurricanes, severe storms, leaks, and broken pipes can be devastating and render your property unsafe and uninhabitable. It does not help to learn that nearly half of all water damage claims in Florida are denied by insurance companies. If you have filed a water damage claim that has been delayed, underpaid, or denied, the experienced property damage attorneys at Reed & Reed are prepared to aggressively advocate on your behalf to help you secure the financial recovery needed to restore your property.
Roof Damage & Leaks
The roof is one of the most vulnerable parts of your home to weather damage, especially from hurricanes. However, other factors such as poor construction, fallen trees, and general wear and tear can also cause extensive damage. Such events can lead to further issues if not promptly repaired. At Reed and Reed, we understand the urgency of addressing roof damage claims. Our attorneys represent policyholders whose insurance claims have been delayed, denied, or undervalued. We ensure your insurance company fulfills its obligation to cover the true cost of repairs. With thorough documentation and expert negotiation, we fight to secure the compensation you deserve, allowing you to focus on restoring your home.
Water Damage
Water damage from hurricanes, severe storms, leaks, and broken pipes can be devastating and render your property unsafe and uninhabitable. It does not help to learn that nearly half of all water damage claims in Florida are denied by insurance companies. If you have filed a water damage claim that has been delayed, underpaid, or denied, the experienced property damage attorneys at Reed & Reed are prepared to aggressively advocate on your behalf to help you secure the financial recovery needed to restore your property.
Mold Damage
Are you dealing with mold damage in your property due to negligence or an insurance company’s refusal to cover it? Our skilled Florida mold damage claim attorneys can help you navigate the legal process and recover the compensation you deserve. Mold growth can cause significant property damage, health problems, and reduce property value. While homeowners’ insurance typically covers damage from water leaks or flooding, mold claims can be complex. We assist with insurance claims disputes, landlord negligence, construction defects, water damage, and mold-related health issues. Contact us today for a free consultation to protect your property and health.
Fire & Smoke Damage
At Reed and Reed, we understand how devastating a property fire can be. Even after flames are extinguished, smoke and ash can cause extensive damage, leading to costly repairs. Our experienced fire damage attorneys are here to help you navigate complex insurance claims and ensure you receive the compensation you deserve. Insurance companies often try to discredit the cause of the fire or undervalue your claim. We use our expertise to pursue maximum financial recovery, ensuring your property is repaired or replaced properly. Contact us today for a free consultation and let us help you face the insurance company with confidence.
Contact an Experienced Florida Property Damage Attorney Today
If you are a property owner in Florida and your property damage claim has been delayed, underpaid, or denied, contact the team at Reed & Reed today. We can be reached by calling 813-438-5960
