Miami Insurance Litigation Attorney
The law offices of Pike & Lustig, LLP is a full-service law firm meeting the needs of individuals and businesses in Miami and throughout south Florida. We understand our clients’ business litigation needs and strive to resolve disputes efficiently, affordably and satisfactorily in both State and Federal Courts in Palm Beach, Dade and Broward counties. Let our Miami insurance litigation attorneys help.
Miami Trial Attorneys Experienced in Complex Insurance Matters
Our insurance attorneys have a history of handling complex Federal and State Court matters in Miami and surrounding areas, including litigation against big insurance companies that have failed to protect their insureds’ interests. Whether denying claims, denying coverage, refusing to settle or defend, or cancelling a policy for ulterior motives, our lawyers stand up for our clients and make sure their rights under the policy are not being abused.
When an insurance company takes its interests and profits above its insureds’ interests, this may result in “bad faith” on the part of the insurance carrier. We focus our insurance bad-faith litigation practice on holding big insurance accountable for its wrongs, which may include the performance of certain duties under the insurance contract or the payment of money damages.
Homeowner’s Insurance Claims
Homeowner’s disputes can cost you time and money, and you need an attorney who will aggressively represent your interests before the insurance company. At Pike & Lustig, LLP, our experienced Miami homeowner’s insurance claim attorneys can help to resolve your disputes, while ensuring your interests and assets are protected.
At Pike & Lustig, LLP, we know that insurance companies can often put their own interests ahead of those of their clients. We represent clients in litigation against insurers and hold them accountable for the financial damage and undue hardship they have caused. If you are dealing with an insurance company who has acted in bad faith, contact our experienced Miami bad faith litigation attorneys today to discuss how we can help you.
Fighting Back Against Homeowners’ Insurance Claim Denials
Homeowner’s insurance is a vital tool that we pay into and hope to never use. The damage from a tropical storm, sinkhole, theft, mold, rot, flooding, faulty construction, vandalism, and other types of human-induced or natural disasters can cause anywhere from tens of thousands to millions of dollars in damage that few people have just sitting in the bank waiting for such a disaster. In times of disaster such as these, we turn to our insurance provider to provide the finances need to replace destroyed personal property and fix or rebuild our homes, yet they often deny claims or offer subpar financial assistance. In fact, according to Consumer Reports, the bigger the financial damage, the more trouble a customer will likely have with their insurance provider. Homeowners with damage of $30,000 or more had the most trouble with their providers in a survey by Consumer Reports. 41 percent of those claimants had one or more problems, which included disagreements in regards to damage, coverage disputes, slow payments, and delays. Only 19 percent of insured customers with damage totalling less than $30,000 had issues with their providers.
Profits Over Service, Especially During Wide-Scale Tropical Storms
The primary goal of any insurance company is unfortunately to make a profit, which often comes at the expense of the service they provide to their customers. Denials or low offers are even more prevalent during events that cause damage to many homes at the same time, such as a storm. According to Consumer Reports, 27 percent of readers who filed home damage claims due to the superstorm Sandy (in 2012) had issues with their providers. Hurricane Katrina in 2005 was even worse: 50 percent of those who filed claims had issues. The average cost of an Atlantic hurricane that hits land, according to AccuWeather, is $1.8 billion. Katrina cost $145 billion. As storms grow more fierce in the coming years, home damage will only rise and insurance claim denials and other issues will likely follow.
Hiring a Skilled Contractor Before Disaster Strikes is an Essential Step in Fighting Back Against Insurance Denials
In the case of a tropical storm hitting Miami and causing damage to your home, one of the first steps you should take is not dealing with your insurance company, but first calling skilled contractors to get an estimate. In fact, picking out a contractor before the storm hits or having a reliable contractor that you have used in the past is a good idea. After all, there will be thousands of others looking to hire contractors for estimates and repairs after a storm, just like you. A trustable, experienced contractor can also make a detailed examination of the damage to your home and put an estimate in writing, which can go a long way in proving that the financial damage to your insurance provider when the insurance adjuster eventually shows up, which can be weeks after the storm took place.
Miami Insurance Litigation Attorneys Reading and Willing to Fight for Your Rights in Court
Large Insurance knows we will take them to trial as we have done in the past, and in many cases our reputation will help bring about a fair settlement without the need for trial. When litigation is required, however, we feel right at home in a state or Federal Court setting. If you believe you have an insurance case, call us. Our Miami insurance litigation attorneys have a combined sixteen years of legal practice with some of Florida’s largest firms. We know what a courtroom looks like; not all lawyers do. We are proud trial lawyers seeking justice for you. In West Palm Beach, Boca Raton, Fort Lauderdale, Miami and surrounding areas, contact Pike & Lustig, LLP for help with your insurance law matter.