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What You Need To Know About First-Party Insurance Claims

When you insure your home, vehicle and other valuable assets, your insurance premiums can be costly. But this can be money well spent in the event of an accident or disaster. As Floridians, we have lived through natural disasters and know devastating they can be and how they can impact our lives.

When you pay expensive insurance premiums to protect you and then you suffer property damage from a hurricane, flood or fire, you rightfully expect that you will be fully compensated for your losses. But that is not always the case, and some first-party insurance claims are denied or not paid in full by insurance companies.

Anybody who has gone through these situations knows that insurance companies can come up with a long and creative list of reasons not to pay you the full value of your claim. If this happens to you, GGM may be able to help you recover more than the insurance companies offer to pay so that you are justly compensated for your losses.

What Is A First-Party Insurance Claim?

When you purchase damage insurance, you agree to pay a set premium to the insurance company for coverage to replace your property in the event of a covered event. This is a contract, and it entitles you to be the “first party” to be paid when a covered event damages your property. When you file a claim for storm or fire damage to your home or business that will be paid directly to you as the insured, you are filing a first-party insurance claim.

But, rather than paying all your damages, insurance companies often have teams of lawyers working to figure out any way to pay you as little as possible and shortchange you on your claim. Your insurance company may offer you less money than what is covered by your policy or even deny your claim altogether. These denials and refusals to pay the full value of your claim may be in “bad faith” as they attempt to cheat you out of thousands of dollars that you rightfully deserve.

If you have a first-party insurance claim that is denied or you are offered a lower payout than expected, our attorneys at GGM will fight for you. So, if you are fighting to have your first-party insurance claim paid by your insurance company in Florida, you should contact us to discuss your legal options.

We Are Here To Help You Get What You Paid For

GGM‘s First-Party Insurance Claim Practice Group is lead by Ryan D. Gesten. GGM can help you navigate residential and commercial insurance claims, including, among others:

  • Hurricanes
  • Natural Disasters
  • Storms and Windstorms
  • Water Intrusion
  • Roof Damage
  • Fires
  • Floods
  • Vandalism
  • Mold

We can also advise you on first-person insurance claim problems involving:

  • Purchase Protection Insurance for a Car, Major Appliance or Another Product
  • Business Interruption Insurance

Get Started By Calling Today

GGM‘s First-Party Insurance Practice Group is ready to fight for your rights. Contact GGM by calling (833) FIND-JUSTICE or sending an email to schedule your free consultation. Do not delay. There are important deadlines associated with every case, including statutes of limitations. There may also be notice requirements under your insurance policies that you must comply with to preserve your rights.