The Law Office of Eric H. Luckman, P.A. is a homeowners claim lawyer Delray Beach FL residents have confidently turned to for legal guidance for decades. If you’re a homeowner who was defrauded or otherwise financially taken advantage of, call us at (561) 867-6010 because we may be able to help you. Many homeowners only discover after it’s too late that they were not properly insured for some of the most common disasters — and it was not necessarily their fault. As a result, they may be eligible for compensation from their insurance carrier. A Delray Beach homeowners claim lawyer like myself, Eric Luckman, may provide more information during a consultation as the following is a brief overview.
Typical Homeowner’s Insurance Coverage
When you purchase homeowner’s insurance, you are purchasing an insurance policy that provides several different types of coverage, based on your unique needs. A typical homeowner’s policy provides coverage for:
- Loss or damage to your dwelling. This can also include a detached garage and other outer buildings such as a shop, large shed, or airplane hanger.
- Loss or damage to your personal property. This may be anything from expensive jewelry to guns to vehicles to computers. Generally speaking, it refers to the contents of your home or vehicle.
- Additional living expenses, such as the extra expenses you incur during the time you are out of your home while repairs are made. This might be hotel costs, or even transportation costs to/from home and your temporary dwelling or hotel room.
- Liability coverage, which protects the homeowner if a claim is brought against them due to an injury. The injury might be sustained by a family friend or someone you have hired to perform work at or on your house.
Disputes Regarding Insurance Coverage
Disputes regarding insurance coverage are the primary reason why someone may need a homeowners claim lawyer Delray Beach FL provides. Disputes can arise between a homeowner and an insurance company regarding whether or not there is coverage for a loss and if so, is it sufficient to cover the cost of the damage.
In most situations where the carrier or their agent was clearly negligent by not offering sufficient coverage, a lawyer may negotiate a fair settlement on behalf of the client. This is usually the preferred course of action as it avoids having to go to court, which can be costly in terms of time, stress, and litigation costs.
Many clients have come to The Law Office of Eric H. Luckman, P.A. with the goal of suing an insurance carrier or agent, but we were able to negotiate a settlement for them. Very often, a settlement will equal or exceed what the victim might recover in a successful lawsuit. Furthermore, there is no guarantee that a jury will rule in favor of the plaintiff over the defendant. If the plaintiff loses the lawsuit, they are subject to paying court costs, attorney’s fees, and possibly the costs of the defendant. In addition, they will not be offered a settlement and therefore will never recover their original damages.
However, if the insurance carrier is not willing to negotiate a reasonable settlement for the client’s losses, it may be necessary to pursue a lawsuit against them. This is why we prepare every case as if we will go to court. The upside is that it helps develop a strong case, which in turn makes it likelier the other side will agree to settle.
Suing the Insurance Carrier
The issue of whether a loss is covered under the policy is usually decided by a court, whereas the amount of the loss is usually decided through an out-of-court process called “appraisal.” Disputes can also arise over an insurer’s obligation to defend a lawsuit brought against a homeowner under the liability coverage provisions of a policy. If you are facing any kind of litigation, it’s important to consult with a homeowners claim lawyer Delray Beach FL property owners recommend.
When You Need a Homeowners Claim Lawyer in Delray Beach FL
Insurance disputes, like insurance policies, can be complicated and difficult for most people to understand. An experienced homeowners claim lawyer Delray Beach FL offers may help you determine whether or not you have a valid claim. Please feel free to call me to discuss your case if your home has been damaged by any of the following:
- Any other unfortunate event
The initial consultation is free, and you will speak directly with Eric Luckman, about your homeowner’s insurance policy and your legal rights. You are encouraged to talk to a homeowners claim lawyer Delray Beach FL locals turn to for guidance.