Experienced Insurance Attorneys Helping Restore Your Home
Home invasions can turn a family’s world upside down. Aside from all the emotional turmoil experienced as a result of a burglary, homeowners often have to deal with expensive property losses and an increasingly-convoluted insurance filing process. Like any other for-profit business, insurance companies prioritize their margins over their customers. They routinely subject theft and burglary loss claims to excessive levels of scrutiny, especially during difficult economic times.
If your theft or burglary claim has been denied or your compensation settlement is not enough to cover your losses, contact an insurance lawyer at the Law Offices of Michael B. Brehne, P.A., right away to schedule a free case consultation. We can provide you with valuable legal advice regarding your case and represent you during disputes and negotiations, so you can get the compensation you rightfully deserve.
Theft Vs. Burglary
Theft and burglary tend to be used interchangeably in conversation, and most insurance companies don’t make clear distinctions between them very often. Regarding the law, however, they are not the same. For instance, theft may not involve anyone breaking into your home. Instead, Florida Statute §812.014 defines theft as the act of depriving an owner of their property.
On the other hand, Florida Statute §810.02 defines burglary as the act of entering or remaining inside a structure (not just a home) without permission from the owner and with the intent to commit a crime. Thus, a burglary may happen even when the perpetrator does not commit any other crime, such as theft.
Common Items Stolen From Homes
The following includes a list of some of the most common items stolen in thefts and burglary cases. Remember to check your insurance policy periodically, making sure your homeowner’s insurance policy covers your most valuable items, and keep receipts for all major purchases.
- Office Equipment
- TVs, Radios & Electronics
How Can An Insurance Attorney Help Me?
An insurance dispute attorney can help you navigate the complex insurance filing process, file all necessary paperwork in a timely manner, and prevent you from accepting low settlement offers. More importantly, we know all the tricks and strategies that insurance companies use to minimize how much compensation they award — we know how to stand up to insurance companies that try to pressure policyholders into inadequate settlement agreements.
Gather & Submit Evidence
When processing theft and burglary claims, insurance companies avoid awarding full coverage by refusing to acknowledge losses unsupported by store receipts or similar documentation. An attorney can help you collect and submit all the necessary evidence on time, as well as help you prove ownership, value, and loss even without supporting documents.
Appeal Unfair & Denied Claims
A common strategy employed by insurance companies is to deny theft and burglary claims on the basis of fraud. Your insurer is likely to investigate your financial history, looking for any excuse they can use to limit liability and deny your claim. Leveraging years of litigation experience, we can help you challenge and appeal denied and unfair settlements.
Bold Litigation Strategies. Maximum Compensation.
Based in the Orlando suburb of Altamonte Springs, we have worked with policyholders on disputed casualty cases, including theft and burglary claims, throughout Florida. Our goal for every insurance dispute case we take is to find a way to convince the insurer that the proof provided is accurate and correctly valued, so the insurer has no choice but to accept coverage and pay for the insuree’s losses on fair terms up to the policy limits.
For more information about our experience winning favorable resolutions for theft and burglary insurance claims, contact our insurance claim attorneys in Orlando to receive a free case evaluation.