Florida Insurance Law Blog
Another Lawsuit Filed Arising Out of Gainesville Hail Storm
Gainesville Florida was hit with a major hail storm on March 14, 2012. The hail storm damaged thousands of roofs. This type of damage is covered by homeowners insurance policies. And, homeowners insurers cannot take deductions based on the age of the roofs; and generally can't pay for partial roof repairs. As you can imagine, insurance companies are none too happy about the storm or the fact that they are on the hook for thousands of new roofs. In order to deny legitimate claims, some insurers hire engineers to inspect the roofs and write reports which say there is no hail damage.
On Friday, I filed another lawsuit against another homeowners insurer as a result of a wrongful denial of hail damage. In this particular case, the insurer first told my client that there had been no hail storm in Gainesville. When he produced photographs showing large hail stones covering his yard, they hired an engineering firm which wrote a lengthy report stating that there was no hail damage.
As noted above, insurers often retain experts such as engineers who write reports that intimidate and demoralize insureds. When these homeowners receive these reports they assume there is nothing that they can do. This is exactly what the insurers want you to think.
As odd as it sounds, the one thing I must have in order to win a hail damage (or any other type of insurance case) is a denial letter from the insurance company. Frankly, every insurance case I've ever won has one thing in common - a denial letter. It's the one thing I have to have in order to win.
A denial letter is not the end of the inquiry, it is just the beginning!
Don't evaluate your insurance denial on your own. Let me review it for free. And, in most of my insurance cases, if I win, the insurance company must pay my attorney's fees and costs; and if I lose, I'll work for free.