How Can a Lawyer Help with a Sinkhole Claim?
Understanding Sinkhole Damage in Florida
With over 30 years of experience, managing partner K.C. Williams is a seasoned professional who navigates the complexities of sinkhole damage insurance claims with expertise. Williams Law, P.A., is committed to aiding those impacted by sinkhole damage and insurance claim disputes across Florida. If you suspect your property has been affected by a sinkhole, reach out to us for a complimentary consultation.
From assessing and documenting the damage to negotiating with the insurance company and potentially taking legal action, our expert insurance claim lawyers provide the expertise and advocacy needed to ensure you receive fair compensation. Given the potential for significant property damage and financial loss, engaging a skilled sinkhole lawyer can make a substantial difference in the outcome of your claim.
Florida Law on Sinkhole Claims
Under Florida Statute §627.706, insurers are required to cover sinkhole losses if the damage meets the statutory criteria for structural damage due to sinkhole activity. Florida law also mandates:
- Homeowners have 2 years from the date the sinkhole damage is confirmed to file a lawsuit.
- Insurers must conduct testing if sinkhole activity is suspected.
- If a claim is denied, homeowners have the right to demand neutral evaluation under the Florida Department of Financial Services program.
Our lawyers can help you meet deadlines and use Florida’s laws to your advantage.
Roles and Benefits of a Florida Sinkhole Lawyer
- Specialized Knowledge: Our sinkhole lawyers have specialized knowledge of Florida’s sinkhole laws, insurance regulations, and the geological aspects of sinkhole formation. This expertise is crucial for understanding the technical and legal aspects of your claim.
- Policy Interpretation: Insurance policies can be complex and have legal jargon. Williams Law, P.A.’s expert insurance claim lawyers can help interpret the policy language, ensuring you understand your coverage, exclusions, and specific conditions.
Evaluating and Documenting the Damage
- Independent Assessment: Williams Law, P.A. will arrange an independent damage assessment by a qualified engineer or geologist. This independent evaluation can be crucial in disputing the insurance company’s assessment if it downplays the extent of the damage.
- Comprehensive Documentation: Our legal team assists in gathering and organizing all necessary documentation, including engineering reports, photographs, and repair estimates, which are essential for substantiating your claim.
Handling Communication with the Insurance Company
- Professional Representation: Our sinkhole claim lawyers act as your advocate, handling all communication with the insurance company. This can help prevent you from inadvertently saying something that could be used against your claim.
- Negotiation Skills: We are skilled negotiators who understand the tactics insurance companies may use to minimize payouts. They can negotiate on your behalf to seek a fair settlement.
Challenging Denials or Low Settlements
- Appealing Denied Claims: If your claim is denied, we can assist you in appealing the decision. They can identify weaknesses in the insurance company’s reasoning and present additional evidence to support your claim.
- Disputing Low Settlements: If the insurance company offers a low settlement, our sinkhole claim lawyers dispute the amount by providing counterarguments and supporting evidence. They can negotiate to ensure you receive an amount that adequately covers the necessary repairs and losses.
Navigating the Legal Process
- Filing a Lawsuit: If negotiations fail and the insurance company acts in bad faith, we can help you file a lawsuit. They will represent you in court and work to obtain the compensation you are entitled to.
- Bad Faith Claims: In cases where the insurance company’s actions are deemed to be in bad faith, a lawyer can help you pursue additional damages, including emotional distress and legal fees.
Get Help from an Experienced Florida Sinkhole Claim Lawyer
If your home shows signs of cracking walls, foundation shifting, or unexplained depressions, don’t wait. Speak with one of our expert Florida sinkhole lawyers who understand the technical, legal, and insurance challenges involved. You don’t have to face the insurance company alone. Get the help you need to protect your property and your future.