Marine Claims Adjuster in Fort Lauderdale
Boat and Watercraft Insurance Claims in Fort Lauderdale, Florida
People in Fort Lauderdale tend to buy marine insurance to help cover their expensive and luxurious crafts. These watercraft could be big-budgeted and have very prized possessions inside them. Thus, it is important for an owner to obtain marine protection to prevent any kind of damage to this property. Watercraft like boats, yachts, jet skis, and other vessels face threats from various challenges such as accidents, crashes with rocks or debris, storm damage, or even fires or explosions. The damage caused by these incidents are covered by marine insurance. The real trouble though lies in the fact that the insurance companies are aware of costs attached with the claims and they train the adjusters to undervalue marine losses. If the claimants are not represented properly, then the adjusters try cut to the claimed amount even more. Sometimes, they could ask you to withdraw your claim which is very unfair and wrong. Thus, you always need to hire an experienced marine claims adjuster or lawyer in Fort Lauderdale to help through these difficult times.
The unethical path followed by the insurance companies is not in your best interests. At Schlacter Law, we fully understand your needs and have techniques that will help you overcome the bad faith acts done by the insurance companies and help you in getting the due insurance claim that you deserve. We also believe that policyholders who have made premium payments and paid other fees deserve to be treated properly. However, many insurance companies do not believe in this and, at times, they deny coverage outright, refuse to conduct an investigation, and even fail to follow the state laws. If you ever face such issues with your insurance company then our experienced Fort Lauderdale marine claims lawyers might be the best persons for you. Our property damage lawyers have the relevant experience, knowledge, and skill in handling marine claims who can fight for your rights to compensation under Florida law.
Why Hiring Schlacter Law is a Better Choice Than Hiring a Public Adjuster
A public adjuster is an insurance professional who works for a policyholder. Most people have heard of a public adjuster and know how a public adjuster can help policyholders recover insurance losses after a hurricane, fire, water leak, or other casualty events. But most people do not realize that they could hire an insurance claim lawyer to represent them at a lower cost and with more options. The same is true for maritime losses to boats.
The public adjuster also charges up to 20% of your reimbursement amount. Whereas a lawyer, like one of ours at Schlacter Law, usually has his or her fees paid for by the insurance company. This fee is then added to the total claim reimbursement you would receive. Thus, in most instances ,you do not end up paying anything out of pocket if you hire an attorney for your marine claim reimbursement in Fort Lauderdale. Additionally, our lawyers have thorough knowledge of the law and they can properly interpret the insurance contracts and make arguments against it. Our lawyers can also file a lawsuit in case your insurance company is not playing fair. This option is not available with a public adjuster.
What Happens if Your Boat Loss Claim is Denied?
The process of submitting a marine insurance claim can be complicated. It involves the submission of different forms of documents and proof. The insurance companies knowingly make this process complicated so that you commit some mistakes and then they can deny you the claim or undervalue it. You can take the help of a marine claims adjuster to submit mistake-free claims in order to maximize the potential recovery that you may be entitled to. Our Fort Lauderdale property damage lawyers are the perfect for this task. They are aware that many insurance providers treat policyholders like you in a very wrong manner and leave out vital details that should be disclosed.
A maritime insurance attorney or marine claims adjuster can also represent you to the insurance company when the carrier tries to deny or undervalue your claim. Our lawyers at Schlacter Law are experienced and have a significant knowledge of the law relating to property insurance claims. They can help you to negotiate a desired claim amount with the insurance adjusters. If they fail to do so, they can file a lawsuit to get the desired compensation for the damage.
Understanding the Different Types of Boat, Yacht, or Vessel Damage
The companies providing marine insurances have the sole responsibility of addressing the damage, providing the necessary coverage to the ones affected in the timely manner.
The boat accidents and damages caused in the sea can be of various types:
- Cracked hulls on the boat – If the boat collides with rocks or other materials, or other ships then there could be cracks in the boat
- Sinking of the boat – The boat could also sink if there are cracks or if there is a rise in the water levels
- Dock damage – The entire dock could be affected if there is a storm
- Damage from storms – whether a boat is beached by the strong winds and tides, or whether trees, blown debris, or other objects crashes into the boat from a storm
Protect Your Rights to Compensation with Schlacter Law
Victims who have had property damage to their boat or other marine vessel should contact Schlacter Law before filing a claim or reaching out to a public adjuster. Everything you say to an insurance company could be used to minimize or deny your claim, and one of our lawyers is generally more experienced, less expensive, and how many more legal options than a public adjuster. Learn how you can fight back against insurance companies who are denying your claim by calling Schlacter Law by dialing (305) 999-1111.
How We Handle Cases
- Your attorney will aggressively investigate your case. Schlacter Law will compile all necessary evidence needed to maximize the value of your case. Which includes but is not limited to photographs, police reports, security camera footage, witness statements, medical bills and medical records.
- You will remain in constant contact with Schlacter Law about the progression of your case.
- Your attorney will present your case to the insurance company and will attempt to resolve your case before the case goes to court for maximum compensation.
- Your attorney will make every effort possible to resolve the case as quickly as possible for the most amount of money you may be entitled to. You will be actively involved in the negotiation process with your attorney. Schlacter Law understands that this is your one opportunity to get justice for your loss.
- If settlement negotiations are unsuccessful, Schlacter Law will be fully prepared to bring your case to court to fight for the justice you deserve.
- At no cost to you, Schlacter Law will hire any experts and professionals needed to maximize your recovery and present your case in the strongest form possible.
Frequently Asked Questions
How long do I have to file a marine claim with my insurance company after a boat loss in Florida?
While it varies depending on the insurance company and the policy, generally you want to contact your insurance company to submit a claim as soon as possible. This is because some policies require claims to be submitted as soon as possible. But after a significant loss, it can be difficult to immediately submit a claim. Insurance companies know this but do not care and want claims filed as soon as possible. This is why victims should call an experienced marine claims adjuster or property damage lawyer like one of ours at Schlacter Law.
How long do I have to file a lawsuit for an insurance property damage claim in Florida?
The time to file a lawsuit in Florida is known as the statute of limitations period, and it is a finite period of time.  If you do not file inside of the statute of limitations period, a judge may automatically dismiss your claim. This is why it is imperative to ask an experienced Fort Lauderdale property damage claim lawyer to ensure that your insurance claim is commenced in a timely manner. The time period to file a lawsuit can be different depending on many different factors, which requires a case-by-case evaluation because the time period under Florida law could even be less. This is particularly true because many insurance policies purposely shrink the time to file a lawsuit.
How much does a property damage lawyer in Florida cost?
A marine insurance claim lawyer is an important part to protecting your rights to compensation under Florida law. But many people are deterred from getting a lawyer because they think that it may cost them an arm and a leg. Not here at Schlacter Law! We accept cases on a contingency fee agreement meaning we only get paid if we recover for you. For most insurance claims, we actually get our legal fees paid for by the insurance company. This means that many policyholders may not have any costs associated with their property damage claim in Fort Lauderdale.