Representing Florida Homeowners in Insurance Claim Disputes
Since 1995, the attorneys of Ver Ploeg & Lumpkin, P.A., have represented policyholders in disputes with their insurers over homeowners insurance claims. We guide clients through the legal process and work to achieve positive resolutions to their cases.
The Insurer's Responsibilities
Homeowners insurance policies are a combination of liability insurance and property insurance. Under the terms of the policy, the insurance company must provide a legal defense if another person sues the homeowner for an injury that occurs on the property. Some homeowners insurance disputes involve the insurance company's failure to defend the homeowner from these so-called third-party liability claims. Other disputes arise over delayed, denied or underpaid claims for payment for property damage caused by fire, wind, sinkholes, theft, vandalism or other causes.
Many homeowners claims involve disagreements over the value of the lost or damaged property. Based on information from respected experts in property evaluation, we will work to secure full payment for the fair value of your losses.
Disputes may be decided based on the interpretation of the policy language regarding exclusions to the policy. Our knowledge of the law, the facts and insurance company tactics allows us to challenge the applicability of exclusions and pursue a fair and just resolution for the homeowners.
Comprehensive Representation for Homeowners
If there is evidence of insurance bad faith and we prevail in the underlying homeowners dispute, we may pursue punitive damages against the insurer. Many of our cases are resolved through negotiation or mediation. However, we are experienced trial attorneys who will advocate on your behalf at trial and on appeal.
To arrange a consultation to discuss your homeowners insurance claim dispute, please contact us by e-mail or call 305-577-3996. From offices in Miami and Orlando, our lawyers represent clients from throughout Florida and across the nation.