HELPING PROTECT PROPERTY DAMAGE VICTIMS AND MOLD VICTIMS IN FLORIDA

Your homeowner’s insurance is supposed to protect you from losses associated with storm damage, fires, theft, and mold growth. Ignoring these problems or having your claim unfairly delayed or denied can threaten your family’s health and safety. 

Steinger, Greene & Feiner can provide you with a Florida first-party homeowner’s insurance claim attorney. We have experience helping clients negotiate the claims process so they can claim the amount needed to fully repair and protect their home. When insurers want to play tough, we defend your rights.

Find out about your legal rights and how you can speed up the home repair process during a free, no-obligation consultation with our Florida homeowner’s claim lawyers. Call us at (800) 431-6841 or contact us online to schedule your free case review.

MOLD AND HOME DAMAGE PUT YOUR FAMILY IN DANGER, WE HELP YOU PROTECT YOUR CASTLE

A single bad storm or accident can displace you from the home you hold dear, or temporarily shutter the business property where you maintain your livelihood. Property damage can also put you on a path towards financial uncertainty. Memories of such devastating incidents are all too fresh for Florida residents. Just recently, Hurricane Michael tore through the state, causing over $4.5 billion in damages.

What’s more, many Florida homes are susceptible to mold growth. Our state’s high humidity coupled with issues from storm damage, poor drainage, insufficient ventilation, or insufficient insulation makes us the second-worst state for mold in the country. Prolonged mold growth can lead to chronic health problems, so early remediation is key.

Insurance policies, such as homeowner’s insurance or commercial property insurance, are supposed to protect you from these losses. However, most insurance carriers prioritize their own bottom lines over the needs of their policyholders. As a consequence, you may end up receiving a settlement offer for your property damage claim that is far less than you deserve — or your insurer may try to deny your claim altogether.

In these situations, a Florida property damage attorney can serve as your invaluable ally. Their familiarity with federal and state insurance laws as well as insurers’ own claims procedures will help you seek the maximum value for your claim possible. An insurance claim lawyer acts as a stern negotiator in your corner, allowing you to meet insurers head-to-head in terms they will be forced to take seriously. Should your insurance company refuse to recognize your claim fairly, your attorney can turn your claim into a lawsuit. Taking legal action often forces an insurer to offer a more reasonable settlement. In the event they decide to fight the claim in court, a jury award can ultimately provide the relief you need for your damaged property.

If you have just sustained major property damage or had trouble with a recent property insurance claim, you can get the assistance, advice, and expertise you need. Know that it is within your rights to seek out the maximum amount of compensation possible. Reach out to Steinger, Greene & Feiner today to schedule a free, no-obligation case evaluation with a knowledgeable Florida property insurance attorney.

My case couldn't have been handled better. It was handled in a timely manner - it wasn't rushed. If something ever happened again and I needed an attorney, Steinger, Greene & Feiner would be the first place I would go.

Susan D.

 

MOLD REMEDIATION KEEPS YOUR FAMILY FROM GETTING SICK, BUT INSURERS DON’T ALWAYS WANT TO PAY

Even in a state where hurricanes and other natural disasters are common, black mold in Florida homes poses a substantial threat to the health and well-being of families.

According to Florida Health, the dangers and symptoms of mold exposure include:

  • Nasal and sinus irritation
  • Dry hacking cough
  • Wheezing
  • Skin rashes
  • Watery/red eyes
  • Shortness of breath
  • Severe allergic reactions
  • Asthma attacks

Additionally, more-serious cases of toxic interactions have been reported. Symptoms in these cases include:

  • Headaches
  • Memory problems
  • Mood swings
  • Body aches and pains
  • Nosebleeds
  • Sinus infections

Those who are immunocompromised or who have chronic lung disease may develop lung infections as a result of repeated mold exposure, says the CDC.

Mold damage repair and remediation is supposed to be covered by homeowner’s insurance in a broad variety of situations. But insurance carriers have a tendency to reject mold damage claims by alleging that the damage did not come from a “covered peril.” 

If they can argue that the mold was caused by homeowner negligence or improper building practices – rather than home damage from a storm or other covered situation – then they will attempt to avoid paying for those losses.

Steinger, Greene & Feiner does not play around with these situations. Mold growth is dangerous, and it can easily put small children or people with sensitive conditions in the hospital. The longer you have to wait for necessary repairs, the more dire of a risk there is to you and your family.

We fight for the rights of policyholders. By looking at the language of your policy and documenting the source of mold growth, we increase the chances that your claim will be honored for the full value of needed mold repairs and remediation.

FREE HOME INSPECTIONS FOR FAMILIES WHO MAY BE AFFECTED BY MOLD

Had Recent Home Damage from a Storm, Flood, Fallen Tree, or Other Event? You Could Have Mold Growing in Your Home and Not Even Know It!

Call Steinger, Greene & Feiner if you have had home damage in the last 1-2 years caused by a storm, fallen tree, or other natural disaster. We can offer you a FREE HOME INSPECTION to help you detect mold growth. With this information, you can take steps to protect your family’s health and safety and seek to have the necessary actions covered by your homeowner’s insurance.

Do not hesitate if you think your home might be affected by mold. Quick action can reduce the risk to your household’s health and safety. Contact us for your free home inspection and consultation today!

COMMON TYPES OF LOSS CAUSED BY PROPERTY DAMAGE IN FLORIDA

Whether you own your own home, commercial property, or a mixture of other real estate holdings, you want to protect the value those properties have in your life. Unfortunately, Florida is a state known for strong storms, unpredictable weather, and a harsh climate. These conditions can combine to cause major damage to your property in the blink of an eye. The most common types of property damage loss in Florida include:

  • Hurricane Damage
  • Storm Damage
  • Flood Damage
  • Wind Damage
  • Water Damage
  • Tornado Damage
  • Hail Damage
  • Fire & Smoke Damage
  • Sinkhole Damage
  • Mold Damage
  • Accidental Damage
  • Theft & Vandalism
  • Art Loss
  • Commercial Equipment Damage
  • Inverse Condemnation (Government-Caused Damage)
  • Insurance Agent Negligence

Most of these damage types are supposed to be covered fully by insurers, but complicated policy contracts and powerful insurance companies may try to unfairly deny or reduce your claim. For instance, after Hurricane Irma, the National Flood Insurance Program fell under scrutiny for denying 90% of flood claims.

Having a Steinger, Greene & Feiner Florida property damage lawyer on your side can help you find the way towards recovery after sustaining major losses. An attorney can assemble the necessary documentation along with strong evidence to help you file your claim in the most compliant and effective way possible. Whether you are fighting an insurance company that is ignoring or delaying your claim, or refusing to pay what is right, we can help. You will also have someone willing to take your insurance company to court if they refuse to fairly honor your claim.

The Types of Insurance Claims Typically Filed After Property Damage

Insurance companies design their policies to cover specific types of damages or specific situations that cause damage. In turn, they expect policyholders to only file specific claims to seek compensation for specific types of loss. Most Florida insurance carriers offer the following types of property damage claims:

  • Residential Property Insurance Claim
  • Commercial Property Insurance Claim
  • Hurricane Damage Claims
  • Business Interruption Claim
  • Condominium Property Insurance Claim
  • Professional Liability Insurance Claim (E&O)
  • Government & Municipality Insurance Claims
  • Hotel Damage Insurance Claims
  • Restaurant Insurance Claim

Knowing the methodology insurers expect you to use when filing your claim can mean the difference between getting the compensation you need or having your claim denied.

An insurance lawyer in Florida can not only assist you with the filing process, but they can also gather the evidence and documentation needed to provide a compelling defense for your requested claim amount. Getting proper repair estimates and documentation, like photo evidence of your damage, dramatically increases the claimant’s chances of success. It can also significantly raise the value of your claim, raising your odds of getting all the compensation you deserve to repair the damage and get on with your life.

FREE CONSULTATION WITH A PROPERTY DAMAGE LAWYER

If you’re struggling with a homeowners insurance claim, contact our experienced property damage lawyers at Steinger, Greene & Feiner. Our lawyers have a history of winning large settlements and court awards for property owners.

The property damage lawyers at Steinger, Greene & Feiner offer the No Fee Guarantee®. We understand that when you’re dealing with a property damage claim, money can be tight. The No Fee Guarantee® means you don’t owe us any money until we get money for you. In states like Florida, in most cases, if we win the insurance company will be required to cover attorneys’ fees and costs. If we lose, we work for free.

You don’t have time to wait — you can call anytime of the day or night — we have a team of legal professionals ready to take your call 24 hours / 7 days a week at (800) 431-6841. We will provide you with a free, no-obligation consultation. Your property damage attorneys will be committed to helping you through the process of your claim, so you can recover financially and move forward with your life. Steinger, Greene & Feiner serves property owners all across Florida. We have offices in Miami , Fort Lauderdale, West Palm Beach, Port St. Lucie, and Okeechobee. With our extended legal network, we have the talented attorneys and resources you need to get the job done and move on with your life. Contact us now to get your free consultation and a free home inspection for mold growth.

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