Termites are one of the most feared invaders for homeowners. While nobody wants to find bugs or insects festering under the floorboards and in the walls, termites pose the most significant threat. The tough thing about termites isn’t just relegated to their actual presence. The process of filing a termite damage claim with your insurer on your home can be just as stressful.
With many different terms and clauses attached to your policy, it can be tough to find the best way to go about reinstating your home’s structure and safety. Everything from timing to the policy you have on your home can change this situation for every homeowner. To stay diligent, here’s the best way to go about filing a termite damage claim in Florida.
What Threat Comes with Termites?
Florida homeowners have quite a bit to worry about when it comes to property damage. From extreme weather to the natural wear and tear of an aging home, there are a lot of things you need to protect yourself from. While things like hurricanes or flooding are somewhat cut and dry in terms of insurance payout, termite damage can get tricky. More often than not, insurance holders in Florida will be denied their claim if they don’t know what they’re supposed to be filing.
The trick to a termite policy is the way in which termites harm the home. Some claims will have exclusions for termites, as they can be hard to predict or sense until the damage is already done. That might make it seem like you’re not going to get any sort of financial retribution for the little invaders. The problem with termites, however, is the fact that they damage the structural integrity of your home. When structural damage is in the mix, it can actually be much tougher for insurance companies to deny your claim. So, who can file a claim for termites, and what’s the best way to go about things?
Who Can File a Claim for Termites?
If you have an insurance policy on your home—which you absolutely should when living in Florida—you’ll have to first see what coverage you are paying for. It very may well be that your home insurance has an exception for termites, meaning that on paper you will not be able to file a claim for termite damage. Because of the structural damage that comes with termites, however, things that develop from termite damage can actually become recoverable. The trick is the way in which you file the claim, and when you do it.
What can happen from time to time is a categorical denial of coverage. This means that if termite damage is not in your insurance plan, the provider will deny any claims tied to termite damage outright. On the one hand, this isn’t wrong of them; if termite damage is an exception to your coverage, they don’t have to honor the damage.
That being said, categorical denials can often be worked around and appealed. While you might not have the wherewithal to do this on your own, there are options you can utilize, like hiring knowledgeable Florida home insurance law firm.
When to File a Claim for Termites?
The best way to go about a filing claim for termite damage in Florida is to act swiftly. If you can see termites are present and causing damage to your home, you have the option to get in touch with your insurance provider right away. The tricky aspect of this is their categorical denial of termites if you have a clause saying the invaders are not covered. So, what happens then?
Well, acting quickly is still the right way to handle termite damage. The major difference here is that if you want to reach out to your insurance provider first, a denial of retribution might make you feel stuck without options. The best bet is to contact a knowledgeable insurance lawyer who knows the best ways to approach termite damage claims and appeals to denial of coverage.
When Should I Contact a Lawyer?
If you see that you have a termite exception, the best bet you have is going to be appealing the claim for the damage caused by termites, not their presence itself. This is going to mean that experts who work with insurance companies with these sorts of situations are going to be in your corner. It’s not a battle against the insurance company, but it is a matter of presenting the facts and evidence that help get you money to fix your home.
Collecting the necessary documents and evidence is key, and then at this point, if your insurance policy seems like it won’t lead to a simple claims process, it’s time to call the experts.
Let Burnett Law Help Sort your Termite Claim and Insurance Holders’ Rights!
Burnett Law is a leading firm in termite damage claims in the state of Florida. Many homeowners experiencing the stress of termites and denied claims turn to Burnett Law for assistance. What can Burnett Law do for you?
- Size up the situation: Attorneys will look at your claim for any and all exceptions that could stand in the way of your retribution
- Appeal the denial of a claim: Some homeowners will be categorically denied right away. The team at Burnett Law knows what to look for in your policy to provide an adequate and effective appeal to your insurer
- Review the outcome of a successful claim: There are some cases where an insurance claim for termite damage might be successful but for far less than what it takes to fix the damage. In this situation, Burnett Law makes sure you’re getting all your money by providing the insurer with evidence to reconsider their unfavorable outcome
When you work with Burnett Law, we’ll take a look at your situation before you even have to pay a dime. Free consultations on termite damage with Burnett Law help homeowners like you review your insurance plan, size up what results would come from an attorney’s help, and examine the ins and outs of the process for you.
Many Florida homeowners have found that Burnett Law is the difference between fair claim retribution on termite damage and being left with very few options. Contact Burnett Law today to schedule a free consultation!