Vandalism Attorney in Pembroke Pines
Call Schlacter Law After a Vandalism Loss in Pembroke Pines
Vandalism, otherwise referred to as malicious mischief or criminal mischief, can happen anywhere. Whether it is a broken window or spray-painted graffiti, you want to be able to rely on your insurance for your losses. But it may not be that simple. Despite vandalism being a named peril in most home or business policies, many insurance companies train insurance adjusters to make it as difficult as possible to submit a valid claim. And even when you submit a valid claim, insurance adjusters may undervalue a claim to try to get you to take less. Other times an insurance adjuster may even flat out deny a valid claim. This is not fair, and our experienced vandalism attorney in Pembroke Pines can help protect your rights.
Here at Schlacter Law, we know that having valuable property damaged due to vandalism can make you feel violated and cost you time and money in repairs and the replacement of property. Adding to this, your insurance company could unlawfully or improperly deny your claim. This can leave you, your family, or your business being victimized twice. Do not let that happen. Ask our experienced vandalism attorneys in Pembroke Pines how we can help you like how we have helped many other clients navigate the often tricky waters of vandalism insurance claims in Florida.
Hire Schlacter Law Before a Public Adjuster
A public adjuster is an insurance professional that works with a policyholder to help investigate, submit, and negotiate a claim. While an insurance professional, a public adjuster is not an agent of the insurance company. Rather, a public adjuster represents the policyholder to help increase the reimbursement of a vandalism claim.
While a public adjuster is a great option to increase a claim’s value, a vandalism insurance claim attorney is a better option to maximize a claim’s value. This is for a few important reasons, including the following:
- The insurance pays for the legal fees for a vandalism attorney, whereas the policyholder pays up to 20% of the total claim to the public adjuster
- Most public adjusters do not have law degrees, whereas all vandalism attorneys have a juris doctor and law license
- Vandalism attorneys can commence a lawsuit in court and hire experts to help support a claim, whereas public adjusters cannot
Understanding Your Vandalism Rights Under Your Policy
Insurance policies are drafted in legal terms with many policyholders not fully understanding what they are and are not covered for. Although vandalism is a common peril included in policies, there are those policies that will not cover vandalism.
Understanding your coverage and filing a claim correctly are imperative when you need to file a claim for a vandalism event. Not filing correctly can leave you at risk of overpaying deductibles or even having your claim denied. This is when it pays to have the advice of a vandalism attorney in Pembroke Pines to evaluate whether your policy has vandalism coverage and how to recover such compensation in Florida.
Supporting Your Claim
Anything that has been vandalized or damaged on your property should be covered if your policy covers a vandalism event whether it is a structure, a car, your landscaping, or even damage inside your home. But a claim will require supporting evidence of ownership and damage as well as a police report. And this is often where an insurer finds reason to deny a claim.
To support an act of vandalism, it is important to have a police report. The responding officer should make reference to specific damage in the report. The insurance company will want a copy of this. It is also important to document the damage yourself, taking photos of any particular areas of destruction. You must have supporting evidence showing ownership and the value of the object or property that has been damaged. Your insurance company will also need you to take action to mitigate any further damage.
Sometimes an expert is needed to help value property, particularly real property or personal property that is rare, unique, or otherwise valuable. Other times valuations may revolve around depreciation or appreciation of a certain possession, which is usually only proven with expert support. Having an experienced vandalism insurance claim attorney like ours at Schlacter Law can help determine what your rights may be under Florida law.
The More Concise Your Supporting Evidence, The More Successful Your Claim
The more information you can offer the insurer, the better. Insurers are notorious for denying claims that could be explained by other things, such as wear and tear to a property. They also tend to question ownership and the value of the damaged property. Consequently, proving a claim can be complicated. The more you are able to support your claim, the better position you will be in.
Get the Advice of a Professional
When you are having trouble with a vandalism insurance claim or your insurer has denied it, having the advice of a skilled vandalism attorney in Pembroke Pines is key. At Schlacter Law, we can help you understand your coverage, compile evidence, and create a valid claim under the terms of your policy and negotiate with your insurer.
If you have been denied or have been offered a settlement that is lower than the amount of your original claim, we will hold the insurance company accountable. Call our vandalism attorneys at Schlacter Law 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 an insurance claim with my insurance company in Florida?
It depends on the insurance policy, but sometimes it can be only a matter of days. This means that victims who have suffered vandalism to their home or business should call our experienced insurance claim attorneys immediately to ensure they timely file a claim. While it is not fatal to miss this deadline, it usually leads to a lower pay out amount. Do not let that happen.
How long do I have to file an insurance lawsuit against my insurance company in Florida?
While filing a claim outside the policy may not be fatal, filing a lawsuit outside the time limit imposed by the statute of limitations is almost always fatal. The statute of limitations is a time limit imposed by the Legislature.  It must be followed. Filing a lawsuit against your insurance company outside the statute of limitations is likely to be a procedural bar in your case. This means you will not be able to recover compensation for your vandalism insurance claim. The time to file a lawsuit can be different based on a lot of different factors. Always make sure to protect your rights to compensation by asking our vandalism lawyers at Schlacter Law how long you have to file a claim in Florida.
How much does a vandalism insurance claim attorney in Pembroke Pines cost?
Most of the time an insurance claim lawyer such as those at Schlacter Law cost a policyholder nothing. That is because an insurance company typically is required to pay the attorney fees for the policyholder, which means that a policyholder can save money by hiring a lawyer rather than a public adjuster in Pembroke Pines.