Florida Homeowner’s Claim Bill of Rights
Your home is your most important asset. It acts as the foundation for your family’s present and future stability. Give it the serious consideration it merits and reach out to the experienced Jacksonville attorneys at Farah & Farah for legal advice. Using the full extent of our ample knowledge and resources, we can protect your interests against those of the insurance company and help you favorably resolve your claim case.
If you have any questions regarding your rights as a homeowner, feel free to call us at (904) 263-4610 for a free, informative case evaluation. Our phone operators are on standby 24/7. You may also fill out an online contact form, and we will get back to you promptly.
What Is the Homeowner’s Claim Bill of Rights?
Effective July 1, 2014, the Homeowner’s Claim Bill of Rights seeks to ensure that homeowners are notified of their rights and responsibilities when filing an insurance claim. Insurance companies must provide claimants with the bill of rights within 14 days of the date the claim is filed. The bill of rights informs homeowners of the following:
- Upon receiving a Proof of Loss form, the insurance company must provide the claimant with a notification concerning their claim’s progress (covered, denied or in process of being investigated) within 30 days.
- Insurance companies are prohibited from denying or canceling policies based on credit info available in the public record if the policy or contract has been in effect for 90 days.
- The Department of Financial Services can be a valuable resource of guidance for homeowners facing property insurance issues.
In the bill, your rights should be made clear to you in non-technical terms. Otherwise, it may not be a proper bill of rights, in which case you should consult with an attorney right away.
How to Deal with Homeowner Insurance Claims
The following guidelines will help you ensure your homeowner insurance claim is preserved in spite of the company’s efforts to make it otherwise:
- Contact the insurance company as soon as possible.
- Keep documentation of the cost of repairs and other losses.
- Protect your property from further damage.
- Speak with a trustworthy attorney before you submit to an inspection of your losses and undergo an exam under oath.
When dealing with any type of insurance claim, it is the rule of thumb to seek guidance from your attorney anytime you are uncertain. Don’t let the insurance company leave you at a disadvantage due to a misstep.
Helping Homeowners in Florida
At Farah & Farah, we return a sense of control and security to our clients when they feel they are at a loss. If you’re facing a dispute by a powerful insurance company, do not lose hope. With our help, you will have more than a fighting chance at a positive case outcome.