If your homeowners or commercial property insurance claim was denied, the first thing you need to do is pull out your policy and look at the fine print.

Most policyholders don’t realize how insurance policies are actually structured. You will open a 30- or 40-page document, and maybe the first two to five of those pages explain what coverages you actually have.

The rest of the policy? It is dedicated entirely to exclusions and limitations—the provisions insurance companies use to take that coverage away.

To get a clear starting picture, find your policy’s declarations page. This is essentially the cover sheet at the very front. It outlines the specific types of coverage you purchased, your overall coverage limits, and your applicable deductibles.

If reading through dozens of pages of legal exclusions feels overwhelming, you aren’t alone. Having an attorney review your policy can quickly clarify where you stand. When seeking legal guidance, look for a law firm that exclusively represents property owners and never handles defense work for insurance companies.

After a claim denial, taking prompt action is critical to protecting your property and preserving your rights.

1. Document Every Aspect of the Damage

If you haven’t done so already, photograph and video all damaged property immediately. Document the full extent of the harm to your home or commercial building, including damaged building materials, structural components, and personal property.

Do not throw anything away before it has been thoroughly documented and inspected.

2. Obtain Independent Contractor Estimates

Do not rely on the insurance company’s valuation of your losses.

Get your own detailed repair estimates from licensed general contractors and other qualified professionals. You need an accurate, independent assessment to know what it will truly cost to fix your property and determine the full value of your claim.

3. Review Policy Post-Loss Duties (Including Proof of Loss)

Insurance policies contain strict contractual requirements that policyholders must fulfill when submitting or contesting a claim. One critical requirement is submitting a formal sworn proof of loss within a specified timeframe.

Insurance adjusters rarely point out these strict requirements to policyholders. However, if you fail to file a sworn proof of loss on time, the insurance company will quickly assert that you forfeited your right to pursue the claim entirely.

4. Consult a Property Insurance Attorney Immediately

Florida law places strict time limits on your ability to contest a denied insurance claim or take legal action against your carrier. Waiting too long can permanently extinguish your legal right to recover compensation.

Consulting an experienced property insurance lawyer allows you to review your options, ensure all post-loss contractual obligations are met, and build a strategy to fight the insurer’s decision.

ADVERTISEMENT. All content in this post is provided for general informational and educational purposes only and does not constitute legal advice. Viewing this post, submitting a contact form, or communicating with the firm does not create an attorney-client relationship with Wites & Rogers. Past case results, verdicts, or settlements are described for informational purposes and afford no guarantee, warranty, or prediction of a similar outcome in any future legal matter. The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience. Wites & Rogers is responsible for the content of this publication. Our primary bona fide office is located at 4400 North Federal Highway, Lighthouse Point, FL 33064.

Is your insurance company denying, delaying, or underpaying your claim?

Don’t let insurance company adjusters shortchange your recovery. Wites & Rogers, P.A. works aggressively to protect policyholders and maximize claims. Get answers today with a Free Case Review. Remember, If We Don’t Win, You Don’t Pay Us.

Speak with an Attorney Now: Call 866-277-8631 OR 954-933-4400.

Want A Free Consultation?

Visit our Online Contact Form and tell us about your property damage.

The post Denied Property Insurance Claim? What Florida Homeowners Need to Do Next appeared first on Wites & Rogers.

When an insurance carrier extends an initial settlement offer on your property damage claim, your instinct might be to accept it so you can move forward with repairs. In almost every circumstance, you should say no.

That first offer is rarely enough money to cover the actual cost to repair your home.

In fact, you should expect to reject the second or third settlement offers as well. To protect your home and your financial investment, you need to work with lawyers who know how to say no to corporate insurance tactics.

Property insurance companies are for-profit corporations. They maximize their gross revenue by selling as many premium policies as possible, and they maximize their net revenue by denying claims or underpaying them.

Despite what you see in corporate television commercials, homeowner insurance companies are not your friends or your neighbors. Their primary fiduciary duty is to their corporate shareholders and executives, not to you or your family.

When you file a claim, carriers frequently deploy field adjusters to inspect your home. However, the corporate desk adjuster who ultimately reviews the file and determines the payout will routinely offer you less than the true value of your damages. This systemic underpayment happens even when the carrier’s own field adjusters document the extensive nature of your property damage.

Insurance companies often make a low initial offer to test your patience, hoping you will accept a quick payout while leaving room to negotiate if you push back.

In other instances, carriers simply make genuine, honest mistakes. They frequently fail to realize the full scope of your damages or misinterpret what you are legally entitled to receive under the plain, unambiguous language of your property policy.

The Critical Importance of Documenting Your Florida Home Annually

To successfully dispute an undervalued settlement offer, you must provide proof of your property’s condition prior to the storm or other event that caused the damage. This is why it is essential to fully document the interior and exterior of your home on an annual basis, well before any tropical storm or hurricane threatens South Florida.

Your annual home documentation checklist must be comprehensive and include clear photographs and high-definition video of:

• The entire interior and exterior structural framework of your property

• All light fixtures, built-in appliances, and mechanical systems

• Personal property, including high-end electronics, artwork, and clothing

• Detailed views of furniture, interior flooring, countertops, and cabinets

• Drone footage capturing the clean, undamaged condition of your roof and exterior siding

This documentation is vital if your policy provides replacement cost coverage for your personal property. For example, if you own a high-end couch or a complete living room set from Restoration Hardware, you are legally entitled to the replacement cost for that exact quality of premium furniture.

If you lack documentation, the insurance company will value your losses against cheap, budget alternatives from a discount furniture outlet. Without receipts, photos, and video proof, insurance carriers will systematically shortchange the true value of your assets.

Combating Pretextual Roof Claim Denials After South Florida Storms

Roof damage claims are among the most heavily contested insurance disputes in South Florida. Carriers routinely deny valid windstorm or hail claims by asserting that your roof damage is actually the result of ordinary wear and tear or defective workmanship.

While property owners have a practical duty to regularly maintain their roofs to prevent catastrophic water intrusion, you should never allow an insurance company to use routine wear and tear as a pretext to deny coverage for a sudden storm event.

This pattern of corporate denial is precisely why you cannot rely on the insurance company’s assessment. When a carrier investigates your property, they bring in their own handpicked engineers, corporate general contractors, and preferred roofers who are paid to protect the insurance company’s bottom line.

To level the playing field, you must hire your own experts. Bringing in a structural engineer, a certified roofer, an estimator, or a general contractor allows you to establish an accurate, unbiased evaluation of your structural damage.

Knowing the true value of your claim gives you the leverage required to reject a low corporate offer and submit a proper, fully supported counter-offer.

Navigating Realities: Deductibles, Alternative Living Expenses, and Loss of Use

When evaluating whether to accept or reject an insurance settlement, you must factor in how deductibles and additional coverages impact your out-of-pocket recovery.

First, recognize that you will never receive 100% of your gross damage calculations because your policy deductible will always apply to the claim, and insurance carriers are under no legal obligation to waive it. Different deductibles apply to different types of losses, and these variations must be weighed carefully during negotiations.

Second, if your property is rendered uninhabitable by a covered loss, you must utilize your policy’s “loss of use” or “alternative living expenses” coverage. Under standard Florida homeowner policies, the insurance company is legally obligated to pay for temporary housing that allows your family to maintain its established standard of living.

If you are forced out of a three-bedroom, two-bath house that features a private garage, the insurance carrier cannot fulfill its legal obligation by placing your family into a basic room with two double beds at a Days Inn or a Marriott. The carrier is required to provide sufficient financial assistance to rent a temporary property that matches the size, utility, and standard of your damaged home.

You may have to aggressively negotiate with the third-party relocation vendors hired by the insurance company because carriers regularly try to minimize these payouts.

Public Adjusters vs. Attorneys: How Changes to Florida Law Impact Your Recovery

Faced with an uncooperative insurance company, property owners generally choose between handling the claim alone, hiring a public adjuster, or retaining an experienced property insurance attorney.

Insurance companies protect their corporate interests with an entire team of field adjusters, desk adjusters, corporate engineers, preferred general contractors, underwriting specialists, and supervisors. Attempting to navigate this restrictive policy language on your own leaves you at a severe disadvantage.

While you should always resolve a claim on your own if the carrier immediately offers the true value of your loss, hiring representation becomes necessary when the company refuses to treat you fairly. When deciding whom to hire, you must consider a major, highly disadvantageous change to Florida insurance law passed several years ago.

Previously, a decades-old Florida statute required property insurance companies to pay a homeowner’s reasonable attorney’s fees if the homeowner had to file a lawsuit and won a settlement or a trial in court. Under that old framework, a homeowner could hire a public adjuster, and if a lawsuit subsequently became necessary, the insurance carrier would eventually absorb the legal fees.

The Florida Legislature repealed that historical fee-shifting statute. Today, homeowners no longer possess an automatic statutory right to force an insurance company to pay their legal fees.

This change in the law dramatically impacts your financial recovery. Property insurance attorneys perform all the investigative and damage-valuation services that public adjusters provide, with the critical distinction that an attorney can file a formal lawsuit to enforce your contract.

If you hire a public adjuster and your claim is subsequently denied or underpaid, you will eventually have to file a lawsuit anyway. Because the fee-shifting statute no longer exists, you will be forced to pay a percentage of your recovery to the public adjuster and another percentage to the law firm.

This double-dilution takes substantial money out of your pocket. By hiring a dedicated law firm from the inception of your dispute, you only have to pay a single entity out of your final recovery.

The repeal of the fee-shifting law has emboldened insurance companies to systematically underpay claims by relatively small amounts, such as $500, $1,000, $5,000, or $10,000. While a few thousand dollars may seem too small for a massive corporation to worry about, underpaying tens of thousands of individual claims translates into millions of dollars in corporate savings for the carrier.

For an individual Florida homeowner, however, an unpaid $10,000 or $20,000 is a material financial blow that can halt necessary home repairs. You have paid your policy premiums faithfully, and you have a right to hold your insurer accountable.

ADVERTISEMENT. All content in this post is provided for general informational and educational purposes only and does not constitute legal advice. Viewing this post, submitting a contact form, or communicating with the firm does not create an attorney-client relationship with Wites & Rogers. Past case results, verdicts, or settlements are described for informational purposes and afford no guarantee, warranty, or prediction of a similar outcome in any future legal matter.The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, ask us to send you free written information about our qualifications and experience.Wites & Rogers is responsible for the content of this publication. Our primary bona fide office is located at 4400 North Federal Highway, Lighthouse Point, FL 33064.

Is your insurance company denying, delaying, or underpaying your claim?

Don’t let corporate adjusters shortchange your recovery. Wites & Rogers, P.A. works aggressively to protect policyholders and maximize claims. Get answers today with a Free Case Review. Remember, If We Don’t Win, You Don’t Pay Us.

Speak with an Attorney Now: 

Call 866-570-4264 Or 850-605-4547

Additionally You Can:

Visit our Online Contact Form and tell us about your property damage.

The post Should You Reject a Property Insurance Initial Settlement Offer In Florida? appeared first on Wites & Rogers.

We are starting to see a scenario play out more and more with Hurricane Ian insurance claims. Homeowners are filing flood claims with their flood insurance companies who are denying the claim by saying the damage was caused by wind.

Then, when the homeowner files the claim with their traditional homeowner insurance company, the carrier says the damage is not covered because it was caused by flooding and not wind.

If you are in a situation similar to this, then this article should help. We will cover:

• What damage is covered by Flood Insurance?
• What damage is covered by Wind Insurance?
• Why do Flood insurance companies blame obvious flood damage on wind?
• Why do Home Insurance companies blame obvious wind damage on flooding?
• Flood or Wind; Is  it really that simple?
• What should you do if your claim is denied by your flood or wind insurance?
• Are There Any Differences Between Hurricane Claims Where the Homeowner Must File a Flood Insurance Lawsuit and/or a Wind Insurance Lawsuit?

What damage is covered by Flood Insurance?

Flood insurance covers direct physical loss to the property caused by floods. In other words, if your home or personal property is damaged by a flood, your flood insurance should cover your claim and pay for your damages.

Flooding can be caused by any one of the following: overflow of inland or tidal waters; unusual and rapid accumulation or runoff of surface waters from any source, such as heavy rainfall; mudslides or mudflows caused by flooding that are comparable to a river of liquid and flowing mud; collapse or destabilization of land along the lakeshore or other body of water resulting from erosion or the effect of waves; or water currents exceeding normal, cyclical levels.

Large waves and storm surges caused by hurricanes can flood homes, tear houses out of their foundation, ruin cabinets, flooring, and drywall, and destroy not only the structure, but HVACS, electrical systems, and plumbing systems as well. These damages are covered by flood insurance.

Flood insurance can cover the physical structure of your home, your belongings, or both.

What damage is covered by Wind Insurance?

Wind insurance covers direct physical loss to property caused by wind. Wind related events include hurricanes, tropical storms, tornadoes, and hailstorms that bring high winds.

Hurricane winds can tear the roof off a home, break windows, and demolish doors and walls. These damages are covered by wind insurance. Additionally, when rain enters the home through an opening in the home caused by the windstorm, such as damage to a roof or window, the water damage to the home is covered by wind insurance as well.

Wind insurance can cover the physical structure of your home, detached structures on your property, your belongings, or all of the above.

Why do Flood insurance companies blame obvious flood damage on wind?

Insurance companies are a for-profit businesses. Insurance companies owe a duty to their owners (typically known as shareholders) to maximize profits. This means that the main goal of an insurance company is to make money, and insurance companies do this by selling as many insurance policies as possible, and then denying or limiting the amount they pay on as many claims as possible.

So, if an insurance company can avoid paying your claim, or limit the amount it must pay on your claim, by taking the position that your damages were caused by flooding – which is not covered under your Wind Policy – the insurance company may do so.

Why do Home Insurance companies blame obvious wind damage on flooding?

Like flood insurance companies, home insurance companies also seek to deny coverage by blaming a flood for causing the standing water inside the home. In order to reduce their costs and liability, they may allege the water damage came from a storm surge, for example, instead of rain that entered through damage to the roof or windows caused by wind.

Often times, a hurricane causes both flooding and wind damage that causes water damage. In that case, the insurance companies consider issues like whether flooding would have occurred if there were no opening caused by winds for rain to enter and flood a structure and how much of the water damage was caused by flood and how much by rain.

Flood or Wind; Is It Really That Simple?

Whether hurricane damage was caused by flood and/or wind damage is not often a simple question. Often times, a hurricane causes both flooding and wind damage, which then results in water entering your home and damaging your house and your personal property. In some cases, what appears to be only flood damage could be caused solely by wind damage, or vice a versa.

When it comes to flood insurance claims, the question is not “is there water damage” but the question is “how did the water cause the damage?” Did the water come from the sky or did the water come from the ground?

As described above, a storm surge of water from the ocean can clearly cause a flood in a home on the beach, which would be covered by flood insurance.

But if the strong, hurricane force winds created damage to the windows or doors and heavy rain entered the property through that damage and “flooded” the home, then it’s not technically flood damage; it is water damage caused by wind, which would be covered under the wind insurance.

What should you do if your claim is denied by your flood insurance or wind insurance?

Ideally, the adjusters for the flood insurance company and wind insurance company would work together to determine which damages were caused by flood and which damages were caused by wind. Unfortunately, it does not always work that way.

If your claim is denied by your insurance carrier, it is imperative to contact an attorney experienced in litigating these claims to help you make a claim in support of coverage.

The attorneys at Wites & Rogers can assist you in demanding the insurance company reconsider their denial of coverage, coordinating inspections and communications with the adjusters for all of your policies, aid you in submitting the necessary documents including a sworn proof of loss, receipts, and estimates, and retain experts, such as general contractors, roofers, and engineers, to refute the insurance company’s findings and help determine the source of the specific losses.

Are There Any Differences Between Hurricane Claims Where the Homeowner Must File a Flood Insurance Lawsuit and/or a Wind Insurance Lawsuit?

YES. There are very significant differences between Flood Insurance Lawsuits and Wind Insurance Lawsuits that can have a major impact on your claim.

Most homeowners and lawyers are familiar with Wind Insurance Lawsuits. This is a claim under your homeowner insurance policy, which can be filed in Florida’s State Court System.

Under Florida law, your insurance company is obligated to pay all of your attorney’s fees and costs if (A) the insurance company denies your claim and you recover money in court through a settlement, jury trial, or judgment, or (B) if you recover in court money through a settlement, jury trial, or judgment more than 50% of the difference between the amount you demand and the insurance company offers you prior to the filing of the lawsuit. In other situations, the insurance company may have to pay less than all, or even none, of your attorney’s fees.

Flood Insurance Lawsuits are different. These lawsuits must be filed in Federal Court. This means The United States District Court for the area in which you live. For example, if you live on the west coast of Florida, which was damaged by Hurricane Ian, your Flood Insurance Claim must be filed in The United States District Court for the Middle District of Florida.

And, for Flood Insurance Lawsuits, the insurance company is not obligated to pay your attorney’s fees or costs.

What to Do If You Have More Flood Insurance Claims Questions:

Wites & Rogers has experience litigation Hurricane Claims, Flood Claims, and other insurance claims, in both State Court and Federal Court. Our consultation is free. We will review your case, and explain all of your rights and options, without any charge.

And We Will Meet You At Your Damaged Property!

Marc Wites is uniquely qualified to handle flood claims because he has substantial Federal Court experience while many insurance lawyers do not. Our consultation is FREE. If we don’t win, you don’t pay us. 

Call 866-277-8631 for a Free Consultation.  If you have a damaged property in Florida your call will be transferred directly to Marc Wites if he is available.

The post Flood Damage Versus Wind Damage In Hurricane Ian Insurance Claims appeared first on Wites & Rogers.

Hurricanes can cause catastrophic damage to homes and personal property. Many homeowners do not realize they are underinsured until after a storm hits. Understanding your hurricane insurance coverage before disaster strikes can help you avoid denied or insufficient claims and better protect your home and financial security. Check your insurance policy’s declarations page, which lists your coverages, and ask your insurance agent the following ten questions: 

1. Do I Have Enough Insurance Under Coverage A (Dwelling Coverage)?

Coverage A is known as Dwelling Coverage, and includes your home or building, and any attached structures. If a hurricane destroys your home and it is a total loss, does your policy include enough coverage to rebuild your home?

2. Do I have enough insurance under Coverage B?

Coverage B includes unattached structures, such as a detached garage or shed.

3. Do I have enough insurance under Coverage C?

Coverage C is for Personal Property, such as furniture and clothing.

4. Do I have Replacement Cost or Actual Cash Value for personal property?

A very important part of this coverage concerns whether your policy provides for Replacement Cost (which requires the insurance company to pay the cost for you to replace your damaged property with a new item) versus Actual Cash Value (which only requires the insurance company to pay the current, or fair market value of your damaged property).

5. Do I have enough insurance under Coverage D?

Coverage D is sometimes referred to as Loss of Use or Alternative Living Expenses and includes the cost for you to live in another location if your home is uninhabitable. Depending upon the severity of the damage to your property, you may have to live in another location for many weeks, months or more. 

6. Do I have wind storm coverage, and if so how much?

Most policies include coverage for damage caused by wind unless the homeowner waives such coverage. This coverage may be important in the event that your home is damaged by wind from a storm.

7. Do I have mold coverage and, if so, how much?

Most insurance policies include only limited coverage for mold, and some exclude it altogether. You may able to pay an extra premium for more mold coverage.  

8. If I use my property as a rental property am I still covered?

Some policies will provide coverage only if you, the homeowner, live in the property, and will not provide coverage if you rent the property to someone else.

9. Are any coverages excluded under my policy and, if so, what?

Insurance policies provide coverage, and they also attempt to exclude coverage for many types of losses. You should know what is excluded under your policy, and whether it is possible to pay an additional premium to purchase coverage that is excluded under your policy. 

10. How much is my hurricane deductible?

If your home is damaged by a hurricane, your policy’s standard deductible does not apply.  Rather, the hurricane deductible applies. The deductible is the amount you must pay before the insurance company has to pay you any money.  Generally, your insurance company must offer your hurricane deductibles of $500, or 2%, 5% or 10% of your Coverage A limits for your dwelling.  

These ten questions are a good place for you to start. There are many other questions you might ask, such as whether your policy will cover your claim if the property is used for rental purposes or if your policy has law and ordinance coverage (which provides coverage to build your home to meet the current building codes).

And, if your property suffers damages in a non-weather related event, such as a burst pipe, there are still other questions you might ask, such as your policy’s limits on mold coverage and emergency water mitigation. In addition, your policy includes other coverages not discussed above.

Your insurance agent has a duty imposed by law to make sure that you have the right insurance coverage to properly insure your home and personal property. But, if you have any questions, you should ask now before the next storm is upon us.

Wites & Rogers represents homeowners and commercial property owners throughout Florida in claims against their insurance companies. For a free consultation, call Wites & Rogers at 1-866-277-8631 or via email at info@witeslaw.com

The post Do You Have Enough Insurance Coverage for a Hurricane in Florida? appeared first on Wites & Rogers.

After a hurricane damages your property, the steps you take next can significantly impact your insurance claim. Knowing what to do after hurricane damage can help protect your rights, document losses properly, and improve your chances of receiving full compensation from your insurance company.

1. Report Your Hurricane Insurance Claim Immediately

You should immediately contact your homeowners insurance company and your insurance agent to report your claim.  Following hurricanes insurance companies sometimes do not answer or immediately return calls. So, you should make a record of your effort to report your claim.  Each time you call your insurance company to report your claim, take a screen shot of the call from your cell phone (in the event you don’t have access to call detail reports on your cell phone bill).  You should also email your insurance company and insurance agent to report your claim and, again, save your sent emails so that you have proof that you reported the claim.

If you live in a condominium or other dwelling with a homeowners association that may be responsible for some or all of your damages, you should immediately report the claim to the association as well.

2. Take Photographs and Video of the Damage

You should photograph and, where appropriate, video the damage to your home and personal property. This includes damage to the interior and exterior of your home.  (Hopefully you photographed your property prior to the storm, so that your pre and post storm photographs and video will show that the damage did not exist prior to the storm). 

Regarding your personal property (such as clothing, shoes, furniture, rugs, etc.), do not throw anything away.  Not only should you photograph and video such items, but you should do everything possible to preserve such items until your insurance company sends an adjuster to inspect your damages.

3. Protect Your Property From More Damage

You have an obligation under your insurance policy and Florida law to do what is called “mitigate your damages,” which means to protect your property from further damage.  So, if you have broken windows or a leak in your roof, for example, cover these areas with tarps, plywood, etc. in order to present more water intrusion and damage.

4. Stay Someplace Safe

If your home is uninhabitable, your insurance policy includes coverage for what is known as Loss of Use, which is sometimes called Alternative Living Expenses. Your insurance company is obligated to pay any increase in your living expenses so that your family can “maintain its normal standard of living.”  This means, for example, that if your home – the insured property – is a 3 bedroom, 2 bath home your insurance company must pay the reasonable expenses incurred for you to rent a property similar to your home. In other words, your insurance company is obligated to do more than put you up in a hotel room. Your insurance policy has a limit on the amount of Loss of Use coverage, which is contained in Coverage D of your policy. Check your policy, and call your insurance agent with any questions. 

5. Consider Hiring A Lawyer To Help With Your Claim

Lawyers can also obtain an estimate of your damages, and help you process and negotiate your claim with your insurance company. Most lawyers charge the same percentage of your recovery from hurricane damages as would a public adjuster. If your case goes to court, you won’t have to pay the lawyer a percentage of your recovery because Florida law requires your insurance company to pay your legal fees and costs if your case settles in court or is won at a trial. Your insurance company will have a team of adjusters, contractors, engineers and lawyers who will try to deny or minimize the value of your claim. You should have your own team of experts to ensure that you receive the full value of the insurance coverage that you paid for and deserve.

Wites & Rogers represents homeowners and commercial property owners throughout Florida in claims against their insurance companies. Our team includes lawyers, paralegals, adjusters, contractors and other experts that we hire for each case. For a free consultation, call Wites & Rogers at 1-866-277-8631 or via email at info@witeslaw.com

The post HURRICANE DORIAN DAMAGED MY PROPERTY. WHAT SHOULD I DO? appeared first on Wites & Rogers.

What Is the Difference Between Actual Cash Value and Replacement Cost?

To begin, there are a few terms to know and understand.  Personal property includes items like clothing, furniture, electronics and so forth. “Actual cash value” is similar to fair market value, and it generally means what the item of personal property is worth today and factors in depreciation.  In contrast, “replacement cost” generally means the cost to replace the property with a brand new item that is similar in kind and quality.

At first glance, the actual cash value may seem like the more appealing option. A policy owner who just sustained a loss or damage to their personal property would want the actual cash value for their belongings. But, “actual cash value” does not mean “all the cash you need” to replace your property. Rather, the actual cash value is subjective, and also can become complicated.

It incorporates a deduction for depreciation, whereas replacement cost does not. In simple terms, “actual cash value” is more like “fair market value” and it means the amount of money someone might pay at a garage sale, or on eBay or craigslist, to buy your used, 10-year-old couch!

So, from the insurance company’s view, the term “depreciation” is an important one, as it means the original value of the item minus everyday wear, tear, age, and other factors that are applied to determine the current price of the item. As a result, when insurance companies use the term “actual cash value” they really mean fair market value, which is the selling price for a used item that a buyer and seller can agree upon.

Replacement cost, to the contrary, is the amount necessary to replace your damaged property with a brand new item, whether a couch, area rug, or other types of personal property. This may be ideal for homeowners due to the fact that it pays the costs to replace the property or items without the deduction of depreciation. Essentially, the homeowner gets the item replaced with a brand new one.

Here’s An Example

When determining which coverage to get, consider this example: A homeowner purchased a high-end leather couch that they paid $3,000 for in 2007. After Hurricane Irma, the contents of the home were ruined due to water intrusion, including the $3,000 couch.

If the homeowner had replacement cost coverage, the insurance company would pay the insured to repurchase the couch or a similar model couch if the old one was not available. It does not matter that the couch was over ten years old; replacement cost does not consider the wear and tear the couch had sustained, and depreciation is not a factor.

When your policy provides for replacement cost, the item is replaced with a similar, if not the same, item at today’s cost.

However, for a homeowner who has actual cash value coverage, the insurance company may offer $500 towards a new couch. The insurance company won’t care that your couch was in mint condition, had rarely been used and that your dog or cat never peed on or scratched the couch.

In other words, “used is used.” In order to calculate the actual cash value, the insurance company will take the replacement cost and minus depreciation to roughly determine the fair market value of your used couch, and that is what would be paid to the insured.

Replacement Cost “Costs”

While replacement cost is obviously better than actual cash value, it comes with a cost. You will pay a higher premium for a policy that provides for the replacement cost because in the event of a loss your insurance company will be required to pay more money to resolve your claim. As they say, you get what you pay for.

To that end, homeowners should pay careful attention to the language in their policy about the dollar limit on personal property coverage. It is important to have enough coverage so that in the event of a total loss your policy will cover your entire claim, whether at actual cash value or replacement cost.

In some instances, policy owners still may end up paying out of pocket to cover any additional amounts if the limits have been exceeded.

Is All Personal Property Covered?

Not all personal property is the same. What about items that have a value that may increase over time, such as a rare autograph, fine piece of artwork, or one of a kind antique? Unfortunately, insurance companies do not consider increases in value. Antiques, collectibles, and artwork may not only have a cap on how much coverage is applied to them, but they may also be excluded from the policy altogether.

Individuals with these types of items should always have documentation as to the value of each item, and ideally, have an appraisal performed. Any documents indicating the value of this type of property should be kept in a safe place, and you should keep extra copies in a location other than your property, such as a safety deposit box at the bank or in the cloud.

As the values of antiques constantly change, it is important to keep your insurance coverage current and updated. Individuals with collectibles, antiques, or artwork should speak to their insurance agent to make sure that they not only have coverage for such items but that they adjust the amount of coverage as the value of such items increases over time.

Know Your Policy

Remember, policies can always be modified and changed. It is important to review the homeowner’s insurance coverage options yearly in order to obtain the best-priced premium for the individual’s specific budget while maximizing coverage.

If You Need Help

If you suffer a loss and your insurance company fails to pay the right amount for your personal property, or any other aspect of your claim, contact The Wites & Rogers. We represent homeowners in claims against their insurance companies. The consultation is free, and you won’t have to pay our attorney’s fees if your case is settled in court or won at trial as Florida law requires the insurance company to pay your legal fees.

And We Will Meet You At Your Damaged Property!

Marc Wites is uniquely qualified to handle flood claims because he has substantial Federal Court experience while many insurance lawyers do not.

Call 866-277-8631 for a free consultation.  If you have a damaged property in Florida your call will be transferred directly to Marc Wites if he is available.

The post The Actual Truth About Replacing Personal Property After An Insurance Claim appeared first on Wites & Rogers.

When an insurance company agrees to pay your claim, many policyholders expect immediate payment. In reality, the insurance settlement payment process involves several steps, including paperwork, releases, and processing timelines that can delay when you actually receive your money.

What Is an Insurance Release?

A release is a formal document that is drafted by your insurance company in order to prevent you, the insured, from pursuing further legal action on the same claim. It is common for insurance companies to require that you sign a release as a condition of the settlement.  In fact, it is common in the settlement of virtually all lawsuits.

When you sign the release you are acknowledging and accepting that the settlement amount to which you agreed is the full and final amount you will receive and that you will not make any more claims or file any more lawsuits for losses arising from the specific claim at issue in your case.

Your attorney will have reviewed your release before sending it to you to review and sign.  But, of course, if you have any questions, you should ask your lawyer before signing.

Insurance Settlement Checks

Now you’ve signed the release, and your lawyer sent it back to the insurance company. What next? As soon as the insurance company receives the executed release it should issue the settlement checks. (If they don’t, call your lawyer right away.) Whether or not you have a public adjuster, a mortgage, and one or multiple claims will determine how your check(s) will be made out.

Typically, your attorney will attempt to have the insurance company cut separate checks, one for you, the insured, and one for the attorney’s firm. Every insurance company has different customs and procedures for issuing the checks.  Here are a few things to keep in mind.

First, the insurance company likely will issue one check to you and one to your lawyer. This is because according to Florida Law (specifically, Florida Statutes Section 627.428) your insurance company is obligated to pay your attorney’s fees if you receive a settlement in litigation.  In short, your insurance company, and not you, is responsible to pay your lawyer if you obtain a recovery in a litigation settlement or judgment from a trial.  This is the most common practice for the issuance of checks.

In some cases, the insurance company may issue a single check that is made payable to both you and your attorney. Typically such a check is and should be made payable to your attorney’s trust account. In such case, your check will have to be deposited into your attorney’s trust account and once the funds clear, your attorney’s law firm will issue you a check to you from the firm’s trust account.

As previously mentioned, every insurance company is different; unfortunately, some insurance companies are more efficient than others with regards to paying their claims.

Homes With Mortgages

If you have a mortgage on your house, the issuance of the checks maybe a little more complicated.  In this event, the insurance company will list your mortgage company as a payee on your settlement check. Most policyholders are stunned to learn that their mortgage company is listed as an additional payee; unfortunately, your mortgage company has a vested and significant interest in your property based on the mortgage, and the mortgage provides them with a contractual interest in your settlement funds.

The reason is to protect the bank that lent you the money to buy your house, and the bank wants to make sure that you fix your home and maintain the value of your home. Should the property be damaged and not repaired, the value of the property would decrease which in turn puts the mortgage company at risk and possibly a loss.

The only way to avoid having your mortgage company listed as a payee on your settlement check is to provide documentation showing that you do not have a mortgage, never had a mortgage, or that the mortgage was satisfied.  Typically you can obtain this information from your mortgage company or the public records.

So, if your mortgage company is also listed on your check, you have to sign the check and – yes – send it to your mortgage company, and they will hold your funds in escrow.  This means the mortgage company will hold the funds and release them to you to cover the costs necessary to complete the repairs to your house.  First, you will need to contact your mortgage company, inform them of the situation and the amount you were awarded in your settlement.

The mortgage company will inform you of all the documents they require in order to accept the check and then they will deposit it into their account. This typically includes a copy of the settlement agreement, the estimate for the repairs, and, of course, the actual check.

In most cases, after the mortgage company receives and processes your check and documentation they will release your funds in stages as the repairs are completed.  Sometimes they will require one of their inspectors to inspect the property to make sure the repairs are being done.  Pending a satisfactory inspection, the mortgage company will release the funds.

Inspections

In other cases, an inspection may not be required.  For example, perhaps you have already completed the repairs prior to the settlement of the claim or maybe the claim is very small.  Or, maybe the money you need from the funds is to pay for materials, such as cabinets or tiles, in which case an inspection may not be required.  It may also depend on the amount of your loan balance and the value of your home.

In short, every case is different, and the manner in which the mortgage company releases your funds may vary.

Because you have to satisfy the mortgage company in order to get your money, it is very important that you use only licensed contractors to repair your home, and that such contractors pull all necessary permits and follow the building codes.  If they don’t’, you might not get your money

Also, the mortgage company likely will require the contractor to sign and submit a copy of their contract, releases for each payment, and sometimes other documents, for the checks to be released.

Don’t Cut Corners!

Many people try to cut corners in order to save money on repairs. However, if you try to deceive your mortgage company they have the right to withhold the funds from your settlement. So, it’s best to provide full disclosure in order to make sure everything is properly completed and all contractors fully paid.

Yes, it’s true that even when your insurance lawsuit is over that you will still have time-consuming issues dealing with your mortgage company to get the money you are owed to pay the contractors to whom you now owe money to fix your house.  You should be proactive and diligent in this process, and everything should work out fine.

Wites & Rogers represents homeowners and commercial property owners in claims against their property insurance companies. If you have any questions about the issues in this article or your own insurance claim, contact The Wites & Rogers.

And We Will Meet You At Your Damaged Property!

Marc Wites is uniquely qualified to handle flood claims because he has substantial Federal Court experience while many insurance lawyers do not. Our consultation is FREE. If we don’t win, you don’t pay us. 

Call 866-277-8631 for a Free Consultation.  If you have a damaged property in Florida your call will be transferred directly to Marc Wites if he is available.

The post My Insurance Company Agreed to Pay My Claim; Now, How Do I Get My Money? appeared first on Wites & Rogers.

If you are dealing with an insurance claim, you may be wondering whether hiring an insurance lawyer is necessary. In many cases, an experienced insurance claim attorney can help you recover more money, protect your legal rights, and prevent insurance companies from undervaluing or denying your claim.

The right choice could save you a lot of money you need to fix your property!

Most people hire an Insurance Attorney rather than an insurance adjuster because it is much cheaper. But there are many more reasons besides that.

First, Insurance Lawyers are experienced in fighting insurance companies, and they have a track record of winning such cases for their clients.

Second, only lawyers can give legal advice. Insurance companies have armies of lawyers advising them, and you should have a lawyer on your side too. Only a lawyer can provide legal counsel on your rights under your policy, whether the claim is covered, and how best to make your claim to maximize your recovery.

Third, in addition to providing legal advice, which is most important, Insurance lawyers also provide all of the same services as a public adjuster.

Fourth, if an insurance attorney wins your case in court, you do not have to pay us a percentage of your recovery. Florida law requires that your insurance company pay your legal fees and costs if you win a settlement or trial against your insurance company in court.

Wites & Rogers represents people whose insurance companies refuse to pay them the full value of their claim or have denied the claim and refused to pay any money. We help our clients obtain the full value of their claim, so they are fully reimbursed for their losses, and get the coverage they deserve for the premiums they have paid to their insurance companies. We have vast experience with all types of insurance and property damage claims including those arising from flood, fire, wind, mold, sinkholes, pipe leaks, hurricanes, tornadoes, water, accidents, and injuries.

How Much Does It Cost to Hire A Lawyer To Represent Me For My Insurance Claim?

People are generally surprised when we tell them that hiring a lawyer to represent them for an insurance claim usually won’t cost them anything. The reason for this is that insurance companies are legally obligated to pay all attorney’s fees and costs if we win the case or when we settle in court in your favor. In any case, you will not have to pay us any attorney’s fees or costs unless and until we recover money for you. And, if we take on your case and don’t recover any money for you from your insurance company, you will not have to pay us any attorney’s fees or costs.

What are the benefits of Wites & Rogers’ insurance claim lawyers?

There are two main things that separate us from our competition: Experience and Court Room Reputation.

Experience: We have been doing this a long time. We have been battling insurance companies for many years, and some of the lawyers and insurance adjusters that work for us – and can work for you too – used to represent insurance companies. Wites & Rogers only represents property owners; we don’t represent any insurance companies, and we know the tricks the insurance companies will use to try and minimize, or even deny, your claim. Our law firm was founded in 2001; we have done thousands of cases involving insurance companies, we own our office building, and we will be around for a long time. Whether it is a flood, fire, storm, accident or injury, we have the experience to maximize your claim, so you are fully reimbursed for your losses.

Courtroom Reputation: Many lawyers say that they have experience fighting insurance companies. Very few of them, however, have the same courtroom experience as Wites & Rogers. Insurance companies know that we don’t just settle cases. We fight cases in court, and we will take your case before a jury and fight it on appeal when necessary to get you the money you deserve.

Indeed, Marc Wites is a well-known authority on Florida law. He has authored since 1997 the widely popular Florida Litigation Guide and has obtained great success before juries and on appeals. Click here to see a video of Marc arguing an insurance coverage dispute before The Florida Supreme Court, where his opponent was a former Florida Supreme Court Justice and Marc won the case and forced the insurance company to pay all of the money available under its 2 million dollar insurance policy. We will recommend that you settle your case if the insurance company agrees to pay the fair value of your claim. But, if the insurance company won’t fully reimburse you for your losses, or has denied your claim altogether, we will fight them in court to obtain the relief that you and your family deserve.

Are there any hidden fees or costs?

No. You won’t have to pay us any attorney’s fees or costs unless we recover money for you. If we recover money for you, our attorney’s fees and costs are typically paid by the insurance company.

Call us for a free consultation. We will explain in detail how we can fight your insurance company to obtain the money that you deserve.

To Find Out More, Call Us for a Free, No-Obligation Consultation

And We Will Meet You At Your Damaged Property!

Marc Wites is uniquely qualified to handle flood claims because he has substantial Federal Court experience while many insurance lawyers do not. Our consultation is FREE. If we don’t win, you don’t pay us. 

Call 866-277-8631 for a Free Consultation.  If you have a damaged property in Florida your call will be transferred directly to Marc Wites if he is available.

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Theft and vandalism damage to your home or business can be overwhelming and deeply unsettling. Beyond the financial loss, these crimes often leave property owners feeling violated, stressed, and unsure of what to do next.

After a theft or vandalism incident, policyholders are typically required to create detailed inventories of stolen or damaged property, file police reports, and navigate complex insurance claim requirements. This process is time-consuming, frustrating, and often made worse when insurance companies delay, underpay, or deny valid claims.

At Wites & Rogers, we represent Florida homeowners and business owners in theft and vandalism insurance claims, helping them pursue the full compensation their policies provide.

Theft and vandalism damage to your home is devastating.

If you have experienced theft or vandalism to your own home or business then you are probably still reeling from this attack on your property. Any kind of crime is difficult to deal with. It leaves you feeling insecure in the very environment where you should feel the most secure – your own home or business. You are probably angry, anxious, and stressed.

After the crime occurs you will probably spend hours trying to assist the police in putting together a long list of missing or damaged items. Unfortunately, you will find it difficult to remember or identify every single item you possessed at a point in time when you feel so distressed. Each time you remember something new you know you have to inform the insurance company and the police and this means more time-consuming form filling and more stress.

Insurance policies may provide coverage for theft and vandalism-related losses, including:

• Stolen personal property or business inventory

• Damage to doors, windows, locks, and security systems

• Vandalized walls, flooring, or fixtures

• Graffiti removal and structural repairs

• Losses caused during forced entry or attempted theft

Coverage depends on your policy language, exclusions, and limits. Insurance companies frequently dispute the value of stolen items or minimize repair costs.

Is your insurance company acting in your best interests?

Carefully consider your insurance company’s offer for your loss. Insurance companies will almost always try to settle for less than you deserve and they do not always contemplate the hidden effects of theft or vandalism damage on your home when they consider your compensation package.

If you feel the offer is well below what your property and possessions are worth, or if your insurance company is denying your theft or vandalism damage claim altogether, then you should call Wites & Rogers. We will investigate your case, and consult with our team of insurance experts, to determine the full value of your claim. We will fight for you in court, to obtain the money that you deserve from the insurance company to which you have dutifully paid your insurance premiums.

Why choose Wites & Rogers for your theft or vandalism damage claim?

Wites & Rogers has never, and will never, represent insurance companies. We only represent property owners. Our lawyers have been fighting insurance companies for years. In fact, some of our lawyers previously represented insurance companies. So, we know how they evaluate claims, and what they will do to try to minimize or deny your claim. We will fight your insurance company, for as long as it takes, to obtain the compensation you deserve to fully reimburse your losses.

Contact us today for a free no-obligation quote

Your consultation with Wites & Rogers is free. If you hire us, you won’t have to pay us any attorney’s fees or costs in advance. If we win money for you and your family in court, the law requires that your insurance company pay your attorney’s fees and costs.

Call the attorneys at Wites & Rogers today at 954-933-4400, and we will help you take the first step towards moving forward with your life.

The post Theft And Vandalism Damage Insurance Claims Lawyer appeared first on Wites & Rogers.

Storm damage to your home or property can be devastating. Whether you suffered minor damage or a major loss, the financial and emotional impact can be overwhelming especially when your insurance company delays, underpays, or denies your claim.

Florida homeowners and business owners are entitled to full compensation for covered storm damage, including damage caused by wind, rain, fallen trees, flying debris, and resulting water intrusion.

If your insurance company has wrongfully denied or undervalued your storm damage claim, Wites & Rogers will fight for you to pursue the compensation you are entitled to.

Call 954-933-4400 for a free consultation.

Common Types of Storm Damage to Florida Homes

Storm damage to your property can be extremely distressing. Strong winds caused by the storm may have damaged your roof or knocked over trees, power lines or other structures onto your property. Loose debris from your neighborhood may have turned into flying projectiles and caused extensive damage to your windows, fascia, guttering or siding.

If the storm is bad enough it’s possible that you have suffered further damage within the interior of your home. Damage will affect both the internal structure as well as your belongings. You may have leaks from the roof or windows, and these can cause water damage that quickly saturates your carpets, walls and wood flooring.

Storms also increase the ocean tides and cause water surges that may lead to flooding. Floods are impossible to hold back and it can be shattering to watch filthy flood water creep towards your home inch by inch, especially when you have no means to prevent it from happening. Storm damage can cause power outages and this loss of electricity can have an effect on anything that you need to store at a certain temperature, such as food, aquarium fish and animals, or technical equipment. Additionally, the damp conditions paired with no electricity create the perfect conditions for mold growth.

Any roof, ceiling or structural work caused by the storm may make the house unsafe to inhabit and you will be forced to go into temporary rented accommodation while your work is completed. Wites & Rogers understands that your claim is about more than simply fixing the obvious damage. If your insurance company has wrongfully denied or undervalued your storm damage claim, then it’s time to call Wites & Rogers

Is your insurance company acting in your best interests?

Carefully consider your insurance company’s offer. Insurance companies will almost always try to settle for less than you deserve and they do not always contemplate the hidden effects of Storm Damage on your home when they consider your compensation package. If you feel the offer is well below what your property and possessions are worth, or if your insurance company is denying your Storm Damage claim altogether, then you should call Wites & Rogers. We will investigate your case, and consult with our team of insurance experts, to determine the full value of your claim. We will fight for you in court, to obtain the money that you deserve from the insurance company to which you have dutifully paid your insurance premiums.

Why choose Wites & Rogers for your Storm Damage claim?

Wites & Rogers has never, and will never, represent insurance companies. We only represent property owners. Our lawyers have been fighting insurance companies for years. In fact, some of our lawyers previously represented insurance companies. So, we know how they evaluate claims, and what they will do to try to minimize or deny your claim. We will fight your insurance company, for as long as it takes, to obtain the compensation you deserve to fully reimburse your losses.

Contact us today for a free no obligation quote

Your consultation with Wites & Rogers is FREE. If you hire us, you won’t have to pay us any attorney’s fees or costs in advance. If we win money for you and your family in court, the law requires that your insurance company pay your attorney’s fees and costs.

Call the attorneys at Wites & Rogers today at 954-933-4400, and we will help you take the first step towards moving forward with your life.

The post STORM DAMAGE INSURANCE CLAIMS LAWYER appeared first on Wites & Rogers.

If you have recently experienced a leak in your roof then you will understand just how devastating such an issue can be. Roof leaks can undermine the framework and integrity of your house which means that you might have to make extensive repairs. Roof leak damage can also be a cause of health issues.

Water that enters your home and gets into the wood, insulation and flooring creates the perfect haven for mildew and mold. Mold can spread throughout your home and even into the HVAC system vents where it can easily spread to your carpets, furniture and even clothing. Mold becomes an issue when you breathe it in, and in many cases this has led to illness and disease that may be life-threatening in extreme circumstances.

Roof leak damage to your home

The water that leaks through your roof and into your home can even be the cause of a fire, thanks to the amount of electrical wiring present throughout your property. Roof leaks allow water to get into the framework of the house and touch wires. This can cause power surges or outages and in some cases, fire.

Any roof, ceiling or structural work may make the house unsafe to inhabit and you will be forced to go into temporary rented accommodation while your work is completed. Wites & Rogers understands that your claim is about more than simply fixing the leak. If your insurance company has wrongfully denied or undervalued your roof leak claim, then it’s time to get in touch with Wites & Rogers.

Is your roof damage insurance company acting in your best interests?

Carefully consider your insurance company’s offer. Insurance companies will almost always try to settle for less than you deserve and they do not always contemplate the hidden effects of a Roof Leak on your home when they consider your compensation package. If you feel the offer is well below what your property and possessions are worth, or if your insurance company is denying your Roof Leak claim altogether, then you should call Wites & Rogers. We will investigate your case, and consult with our team of insurance experts, to determine the full value of your claim. We will fight for you in court, to obtain the money that you deserve from the insurance company to which you have dutifully paid your insurance premiums.

Why choose Wites & Rogers for your Roof Leak claim?

Wites & Rogers has never, and will never, represent insurance companies. We only represent property owners. Our lawyers have been fighting insurance companies for years. In fact, some of our lawyers previously represented insurance companies. So, we know how they evaluate claims, and what they will do to try to minimize or deny your claim. We will fight your insurance company, for as long as it takes, to obtain the compensation you deserve to fully reimburse your losses.

Contact Wites & Rogers today for a free no-obligation quote

Your consultation with Wites & Rogers is free. If you hire us, you won’t have to pay us any attorney’s fees or costs in advance. If we win money for you and your family in court, the law requires that your insurance company pay your attorney’s fees and costs.

For A Free Consultation, Call Wites & Rogers at 1-866-277-8631 or via email at info@witeslaw.com.

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How Mold Damage Affects Florida Homes and Businesses

Mold damage inside your home or business can be devastating—both financially and to your health. What begins as hidden moisture from a roof leak, plumbing failure, appliance malfunction, or storm damage can quickly turn into a widespread mold infestation.

Florida homeowners rely on insurance coverage to protect against mold caused by sudden and accidental water damage. Unfortunately, insurance companies frequently deny or undervalue mold claims, leaving property owners responsible for costly remediation and repairs.

Wites & Rogers represents Florida policyholders in mold damage insurance claims, holding insurers accountable when they fail to honor valid coverage.

Call 954-933-4400 for a free consultation.

Mold damage to your home

If you’ve recently discovered mold damage in your home or business you probably already know that mold will grow anywhere that the conditions allow it to. The only thing mold needs in order to grow is a food source and some moisture. The moisture can come from leaking pipes or appliances, roof or wall damage, badly maintained air conditioners, drainage problems or high humidity levels. Mold can find its food source from carpets, curtains, wall coverings, mattresses or even home insulation.

Mold can spread unnoticed for a long time, leading to serious health consequences. Chronic coughs, headaches and migraines, sinus problems, frequent sneezing, and watery, itchy eyes are all symptoms caused by the presence of mold. Some people are much more sensitive to mold than others and may suffer severely – and in some cases life-threatening, allergies or respiratory diseases.

Left untreated, mold may cause structural damage to your home and unfortunately, many insurers deny these kinds of claims. Severe cases of mold infestation will make it nearly impossible to insure or sell your home so mold should be eradicated as soon as it is spotted. Most mold growth is caused by conditions beyond your control so you may have a claim for your insurance company.

If you are dealing with mold in your home and your insurance company has wrongfully denied or undervalued your mold damage claim, then contact us to help you fight for your claim.

Is your insurance company acting in your best interests?

Carefully consider your insurance company’s offer. Insurance companies will almost always try to settle for less than you deserve and they do not always contemplate the hidden effects of Mold Damage to your home when they consider your compensation package. If you feel the offer is well below what your property and possessions are worth, or if your insurance company is denying your Mold Damage claim altogether, then you should call Wites & Rogers. We will investigate your case, and consult with our team of insurance experts, to determine the full value of your claim. We will fight for you in court, to obtain the money that you deserve from the insurance company to which you have dutifully paid your insurance premiums.

Why choose Wites & Rogers for your Mold Damage claim?

Wites & Rogers has never, and will never, represent insurance companies. We only represent property owners. Our lawyers have been fighting insurance companies for years. In fact, some of our lawyers previously represented insurance companies. So, we know how they evaluate claims, and what they will do to try to minimize or deny your claim. We will fight your insurance company, for as long as it takes, to obtain the compensation you deserve to fully reimburse your losses.

Contact us today for a free no obligation quote

Your consultation with Wites & Rogers is free. If you hire us, you won’t have to pay us any attorney’s fees or costs in advance. If we win money for you and your family in court, the law requires that your insurance company pay your attorney’s fees and costs.

Call the attorneys at Wites & Rogers today at 954-933-4400, and we will help you take the first step towards moving forward with your life.

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