SINKHOLE CLAIMS

SINKHOLE CLAIMS/DENIED CLAIMS/FAILED OR INCOMPLETE REPAIRS?

 

IF YOUR CLAIM WAS FILED WITHIN THE PAST 5 YEARS, YOU MAY HAVE LEGAL OPTIONS!  KNOW YOUR RIGHTS BEFORE TIME RUNS OUT! 

Has your claim been denied because your home did not have “structural damage”?

Did your insurer hire a company to perform testing to determine the cause of damage?

Did you follow your insurers requirements to repair your home and now see more cracking or other damage starting once again?  

PERHAPS THE RECOMMENDED REPAIR WAS INCOMPLETE OR HAS FAILED!  THERE IS A LIMITED TIME TO ACT, CALL NOW!

Since 2011, Insurers have been taking full advantage of the laws that changed that year which govern sinkhole insurance. Before you make a claim, make sure you have the coverage. Also look to see if you have a specific deductible for a sinkhole loss which can be a staggering number.

A new trend I have noticed is that Insurers are performing only a visual inspection when a damage claim is reported. It appears that claims for possible sinkhole damage are being denied without any testing at all. When you followed your Insurers instructions and had your home “repaired” according to the engineer hired by your company and you finished all of the “cosmetic” damage repairs only to see new or additional damage? The recommended repair may have failed or be incomplete.

Don’t wait, call to discuss your rights today! Free Lawyer Consultation (727) 372-7595

 

SINKHOLE CLAIMS/DENIED CLAIMS/FAILED OR INCOMPLETE REPAIRS?

I MAY BE ABLE TO HELP!

CALL ME TODAY (727) 372-7595 or email John@mytrinitylawyer.com

 

IF YOUR CLAIM HAS BEEN DENIED FOR ANY REASON WITHIN THE PAST FIVE YEARS, MAKE SURE YOU KNOW YOUR RIGHTS!

Background information

As of 2011, the Florida Legislature revised Florida Statutes §627.706:

(http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0627/Sections/0627.706.html )  which defined what constitutes a “sinkhole loss” as well as other terms used in the policy.

No longer does cracking damage on the walls, floors or ceilings create a requirement for the Insurer to do sinkhole testing.  A visual inspection to determine if there is “structural damage” likely caused by sinkhole activity is all that is required for the initial step.  If no structural damage is found according to the definitions in Florida Statute §627.706, then the Insurer has no requirement to do further testing. The property Owner can then demand further testing but must pay for ½ of the cost of testing up to $2,500.00.  However, even if sinkhole activity is found, the insurer may continue to deny the claim because a determination of “structural damage” is required in addition to sinkhole activity affecting the structure to meet the criteria for coverage for a “sinkhole loss”.

ALTHOUGH STRUCTURAL DAMAGE IS DEFINED BY FLORIDA LAW, THERE ARE STILL SOME DIFFERING OPINIONS ON HOW THESE CRITERIA ARE MET. 

Sinkholes Information from the Blog

Sinkholes Warning Signs

Once again sinkholes are a hot topic in Central Florida.  From the huge hole that opened in Seffner last week to the several non-disclosure issues in real estate sales being reported by the news and even being prosecuted in Federal Court.  The article below "Sinkhole...

read more

TAMPA AREA SINKHOLE MAP

Call (727) 741-3913

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McMenamin Law Group, P.A.

2150 Seven Springs Blvd. New Port Richey, 35655

Phone(727) 372-7595

Email:  John@themcmenaminlawgroup.com

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