Izquierdo Law Firm January 2019

IzLegal Illustrated

KNOW YOUR RIGHTS TO AN ATTORNEY

Entitlement to Your Insurance Claims

Many people aren’t aware of their rights and the value of working with someone like me. The ideal situation for any person is to contact a lawyer shortly

the contingency is that the insurance companies are required to pay our attorney fees and costs, according to the Florida Statutes. When people accurately present their claim, it prevents them from running into a situation where they are improperly denied. We make sure that home and business owners present their claim properly to receive the most bang for their buck. We strive to give them the means to move on with their life and get back to the point where they were before their loss. If you don’t level the playing field by involving an attorney, you’ll be victimized because the insurance company has inside people they hire specifically to delay, deny, or descend your claims. Once you involve a lawyer and stop this unilateral claim of descent, they have to hire their own attorney and start incurring costs and fees to pay them. Also, if they’re wrong in the amount determination, they’re going to have to pay the homeowner something and cover whatever they may have spent money on and the opposing attorneys’ fees and costs. It reaches a point where the insurance company is forced to concede because they don’t want to spend hundreds of thousands of dollars on a case worth $20,000.

This month, I want to feature a good friend and colleague of mine, David Farber. David is the founder of The Farber Law Firm and specializes in personal injury and insurance coverage. Over the past couple years, Florida has experienced two major hurricanes, Irma and Michael. Most of the community has suffered extensive losses due to both storms and are struggling to put their lives back together. People rely on the money from their insurance to help pay for these damages, but often they have to fight for what they have paid dutifully for. When you experience property damage or loss due to a storm, it’s crucial to report these damages within the time frame that’s given to you. Keep records of all your losses with pictures, document everything, and know what you’ve spent money on to replace or restore your property. If these aren’t appropriately recorded, it can impact the claim you’re supposed to receive. Often, people are nervous to file because they’re concerned their premiums will go up, but this doesn’t happen in cases like these. It’s also vital to know that attorneys like myself work on a contingent basis. If we don’t recover anything on your behalf, you don’t owe us anything. People don’t realize that in most cases,

after they experience a loss. The people who wait with unrepaired damages or who don’t have the muscle to push through a claim might not realize it’s not too late to get an attorney involved. Contacting an attorney is a sure way to get what you’re entitled to. I can say with confidence that when a person is represented by someone, 99 percent of the time, they have a liable claim for more money. I don’t want you, the readers, to take from this that all insurance companies deny the public what they are entitled to, because not all of them do. They all have the potential to do so much good in the world, but many of them choose not to. A lot of the time they make good people suffer, and that’s not right. This is why it’s so important to involve an attorney as soon as you can to prevent grim situations from arising. If you have any questions, or if your claim has been underpaid or denied, you can reach me at (305) 774- 0134 or by using my toll-free number 1-833-INSloss. We can evaluate your claim and provide you with answers and options.

“I don’t want you, the readers, to take from this that all insurance companies deny the public what they are entitled to, because not all of them do. They all have the potential to do so much good in the world, but many of them choose not to.”

Thank you for letting me share my knowledge with you.

–David Farber

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