Make the Most of Your Claim!
Expert Assistance with Insurance Claims, Denials, and Underpayments.
After Hurricane Ian, many Florida homeowners found themselves facing a new kind of storm. They were battling insurance companies that delay payment, offer less than what is fair, or deny valid claims altogether. At TR Legal, we understand the frustration and stress that come with that fight. We are on your side, and our mission is clear. We hold insurance companies accountable for the promises they make.
We are here to make the claims process straightforward and to ensure that you receive the compensation you deserve. No unnecessary delays. No unfair denials. Just honest help from start to finish. We will be with you every step of the way, offering the experience and commitment you can trust.
Your Insurance Company Made You a Promise.
It's Time They Keep That Promise.
Your insurance policy is supposed to protect you. It is meant to be a safety net when disaster strikes.
But too often, insurance companies delay, deny, or underpay valid claims. Instead of helping, they make things harder.
Below are some common types of damage that are usually covered by homeowners insurance. Every policy is different, so make sure to check the terms of your specific coverage.
If your claim has been delayed, denied, or underpaid, we are here to help you fight back and get what you are owed.
STORM DAMAGE
ROOF DAMAGE
HAIL DAMAGE
WIND DAMAGE
HUMIDITY DAMAGE
HURRICANE DAMAGE
LEAK DAMAGE
FIRE AND SMOKE DAMAGE
PLUMBING LEAKS
Was Your Claim Underpaid or Denied?
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Your claim does not exceed your deductible:
Most insurance policies include a deductible, which is the amount you must pay out of pocket before coverage kicks in. If the cost of the damage is less than your deductible, the insurer may deny or underpay your claim. Of course, the value of the damage is often a point of dispute. -
Exclusions in your policy:
Insurance policies include specific exclusions—types of events or damage that are not covered. If your claim involves damage listed under one of these exclusions, the insurance company may deny it or reduce the payout. -
Maintenance issues:
If the insurer believes the damage resulted from a lack of proper maintenance, they may deny or underpay your claim. Regular upkeep is typically considered the homeowner’s responsibility, and any neglect can be used as grounds for nonpayment. -
Preexisting damage:
Insurers may argue that the damage occurred before your policy took effect or before the reported incident. If they determine the damage was preexisting, your claim may be denied or undervalued. -
Policy limitations:
Policies often have limits on how much coverage is available for certain types of damage. If your claim exceeds those limits, the insurance company may only pay a portion of what you are truly owed.
Insurance companies often give a variety of reasons for not fully honoring your claim. Some of the most common include:
It is essential to review your policy to understand your rights and responsibilities, as well as the coverage and limitations it provides.
If you believe your insurance company is unfairly denying or underpaying your claim, seeking legal help may be a valuable next step.
This is where we come in.
Request a Free Consultation
To schedule a consultation with Tomas Robirosa, please fill out the form below. Alternatively, Tomas is available 24 hours a day, 7 days a week by email or direct line.