“He clothes his hands with lightning and commands it to strike its mark.” Job 36:32
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As a homeowner, you know the importance of having a quality, comprehensive insurance policy for your property. This is especially true in Florida, which is prone to unpredictable and severe weather, particularly during hurricane season. However, many homeowners aren’t familiar with homeowners insurance laws until damage is already done and they’re potentially considering a lawsuit against their insurers.
Are you a new homeowner, or an existing homeowner facing an insurance dispute? Read more below on key laws and rules to know.
Florida law doesn’t require homeowners insurance
Many people might not know that Florida law doesn’t require homeowners insurance. However, most mortgage companies and lenders do require a policy, and it would be a wild gamble to not have a policy in place. Without insurance, you could risk serious financial trouble should your house or property suffer damage.
The Florida matching statute
One key homeowners insurance law that policyholders should know is the Florida matching statute. This statute states if the items listed in a claim that need to be replaced cannot be matched in quality, color, or size, the insurer should make reasonable repairs or replace the adjoining areas.
The 25 percent roof rule
The roof is a critical part of the home and is often very expensive to repair or replace. While this is more of a code, the 25 percent roof rule states that not more than 25 percent of the total roof area of an existing building shall be repaired in any one-year period. This means that if more than 25 percent of the roof is damaged, a roof replacement must be performed.
The insurer must pay legal fees in some cases
Sometimes, an insurer may be, under law, obligated to pay legal fees. If your claim is wrongfully underpaid or completely denied and you win the case, an insurer must pay your legal fees under Florida Statute. 627.428. This usually includes the attorney’s compensation or fees, as well as potentially compensation for things like medical, property, or economic losses and emotional distress.
Disputing an insurance company
When you sign up for a policy with an insurer, you are entering into a contract. Like any contract, all parties must fulfill their obligations as outlined. When this does not happen, it can spell legal trouble. If you have a claim that’s been unfairly delayed or denied, it could mean you have a solid legal case against the insurer and should dispute it. In this instance, it’s best to hire an insurance attorney.
Brooke Boltz knows insurance law
Laws, especially homeowners insurance laws, can often be complex. Add that on top of an insurance dispute, and the process can quickly become daunting and stressful. This is why it’s imperative to seek the counsel of an experienced insurance attorney.
Brooke Boltz is highly experienced and skilled at representing clients with insurance disputes. If you’re facing a delayed, underpaid, or totally denied claim, schedule a free phone consultation with Brooke today.