Marine Claims Adjuster in Miami
You Need An Experienced Marine Claims Adjuster in Miami
Individuals buy marine insurance for yachts and boats, which are their luxury crafts. These watercrafts can be very costly along with the valuable things inside them. An owner can obtain marine protection to cover these valuables from harm or damage. Any physical damage including accidents, exceptional storms, rock collisions, or floating debris, and even fire is protected by marine insurance. But insurance companies know how expensive boats are, and they specifically train their adjusters who review claims to undervalue damage or replacement costs of damage. When adjusters work with unrepresented claimants, they aggressively try to get claimants to accept less or threaten to deny the claim outright. This is not fair. That is why policyholders who have had a marine loss should ask our experienced marine claims adjuster & lawyer in Miami for help.
Here at Schlacter Law, we know how to handle insurance adjusters and ensure that policyholders who have had a marine loss get the reimbursement they deserve. We think this is only right after paying your premiums and other fees. Marine insurance companies, however, often attempt to deny coverage, violate their obligation to fairly investigate a claim, or fail to follow the laws of Florida. In such an event, an experienced marine claims adjuster or lawyer can help you to fight for your claim if you were a victim suffering from a hurricane, fire, flood, or a vandalism claim on your boat or other watercraft. Our maritime attorneys based in Miami offer years of experience in handling marine claims.
Why Hiring Schlacter Law is a Better Choice Than Hiring a Public Adjuster
Most people have heard of a public adjuster and know how a public adjuster can help right insurance losses after a hurricane, fire, water leak, or other casualty event. 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.
This is because a public adjuster will take up to 20% of your claim reimbursement, but an insurance claim lawyer like ours in Miami at Schlacter Law has their attorney’s fees paid for by the insurance company. The amount of the attorney’s fees are then added to the claim reimbursement. This means that, in most instances, the policyholder does not pay the insurance lawyer any money out-of-pocket because the insurance company is paying the legal fees.
In addition to this great benefit, having a lawyer on your side is simply a better choice than having a public adjuster because it is an obvious advantage when it comes to interpreting insurance contracts and making arguments to value claims. A lawyer can also hire an expert to help support your claim, and, if the insurance company is not playing fair, a lawyer can commence a lawsuit to protect your remedies in court. A public adjuster simply cannot.
Undervalued or Denied Claims
A marine claims adjuster or lawyer can help you submit a claim to an insurance company adjuster or other representative. This is important because most insurance claims are a complicated matter, with many forms to submit and different types of proof required. This process can be confusing too, which is all part of the plan for insurance companies that purposely create a claims process that naturally creates mistakes so that they can deny or undervalue a claim.
Our Miami marine claims lawyers know that is not all. We see many insurance providers treating claims in the wrong manner, leaving out vital details that must be disclosed to the policyholder. When you buy insurance, you buy a contract which, in its simplest form, means that both parties have responsibilities to each other. You pay your premiums, and they pay your claim in return when you suffer an insured loss under the parameters of what the policy says.
A maritime insurance adjuster or attorney can represent you to the insurance company. The lawyers at Schlacter Law can negotiate with the insurance adjuster to seek a higher reimbursement amount. If they fail to offer a satisfactory amount, your attorney can commence an action against the insurance company for damage in court.
Different Types of Boat and Marine Damage
Marine insurance companies are responsible to honestly assess any damage, respond to claims in a prompt time period, and provide the coverage to the victims they deserve under a policy.
Some of the common different types of boat accidents and marine damages include:
- Boat sinking – Usually boats sink when sea level rises a couple of feet
- Hulls cracked – Collisions of rocks, vessels, jetties to the boat causing cracks
- Beached damage – Beached damage usually takes place during hurricanes when boats are pushed out of the water
- Damage by dock – Bad weather can break up the entire dock
The insurance policy of each boat owner can vary and is dependent upon many factors including the boat’s type and value. The policy would be specific to your needs, depending on what form of coverage you need and whether the boat is used for commercial or private use.
Fight Back Against Insurance Companies with Schlacter Law
We all know that boat insurance can be a very expensive type of insurance. That is because it is supposed to cover many different types of loss events in order to repair your damaged vessel. But insurance companies do not always honor their obligations under the policy. As a result, policyholders have both costly insurance premiums and costly repairs. This is just not fair. If you suffered a significant maritime loss, ask our experienced marine claims adjusters and marine lawyers at Schlacter Law in Miami for a FREE consultation 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 in Florida?
It depends on your policy requirements, but usually the time to submit a claim is as soon as possible after the loss. We understand that this is not always possible, especially after a catastrophic loss or in a claim where you have sustained personal injuries. But unfortunately, insurance companies do not always understand that. They may still hold you to unnecessarily tight deadlines that are unfair under the circumstances. This is why if you have suffered any type of maritime loss, you should call our experienced Miami marine claims adjusters at Schlacter Law for help.
How long do I have to file a lawsuit if an insurance company is not treating me fairly in Florida?
This time period also depends on the type of claim, but many other factors could reduce or expand this time. Under Florida law, the time to commence a lawsuit is known as the statute of limitations period, and it is a procedural requirement in a case.  The failure to file a lawsuit within the statute of limitations period could mean that an untimely claim is automatically dismissed. This means that your entire case could be dismissed in certain instances. Insurance contracts are also notorious for shortening the time period to file a lawsuit, which is why victims who have suffered a marine claim need to hire an experienced Miami marine claim adjuster like one of ours at Schlacter Law to learn how we can help protect your rights to compensation under Florida law.
How much does a marine insurance claim lawyer cost in Florida?
Although the price of a marine insurance claim lawyer could vary, after a maritime loss the insurance company is generally required to pay the attorney’s fees of a lawyer working to submit a claim. This is also an incentive by the insurance company to fairly and quickly resolve a maritime claim. If you have questions about your maritime loss, call Schlacter Law in Miami and speak with one of our experienced lawyers.