Hurricane Damage Claims

momolawdev on March 12, 2026

Hurricane Damage Claims

The National Oceanic And Atmospheric Administration lists insured coastal properties that are vulnerable to hurricanes at $2.86 trillion. At MoMo Law, our hurricane damage claims attorneys know how important hurricane insurance is to our community because we not only represent those affected by these powerful storms — we are part of the community that is affected by these powerful storms.

Our insurance claims lawyers know that living in the path of hurricanes is part of the price we pay for the beauty we enjoy. After witnessing the destruction of Hurricane Michael take aim at our panhandle’s residents in 2018, and the powerful hurricanes before him, our commitment to serving those who are being victimized by insurance companies through unfair partial payments and outright recovery rejections has only deepened.

If you have suffered property damage from any hurricane, and your insurance company is denying the financial recovery you deserve, our Hurricane Damage Claims Lawyers can help you pursue your coverage provider for the proper reimbursement you deserve for your losses.

What Are The Most Common Types Of Damage Caused By Hurricanes?

At MoMo Law, our hurricane damage insurance claims lawyers know that hurricane season in our state is accompanied by property owner anxiety that is caused by the unknown. We can track the storm with near precision, but there is no way to know the exact damage that is going to occur once it arrives.

The unpredictable nature of these large and dangerous storms sends most residents from their homes, seeking safety. And when they are able to return, the extent of the damage that is left behind can be devastating.

Common types of hurricane damage can include, but are not limited to:

Broken windows
Compromised or destroyed doors on homes, garages, and other structures
Damage from projectiles
Destruction of personal items and interior home goods including furniture or appliances
Fire damage from downed wires
Flooding
Harm to boats, cars, and other vehicles
Moisture damage
Property damage to costly outdoor fixtures including pools, sheds, and landscaping
Roof lifting, destruction of shingles, gutters, and siding
Structural damage to the home’s walls, porches, and outer buildings

There is no limit to the amount of damage a hurricane can cause to your home or property, and when your insurance company is unwilling to provide you with the full financial recovery you deserve as a result of the damage or complete loss you have suffered, our hurricane damage claims attorneys can help you pursue the policy’s details for maximum payout.

What Are The Major Causes Of Hurricane Damage?

Most states are perfectly situated to endure some form of hurricane damage each year. While the severity of these storms may vary, the purpose of having hurricane insurance is to protect you in times of need. When damage occurs to your home or property, you expect your insurance company to make you whole again. Unfortunately, they may have other plans.

When your home and property are impacted by the hurricane’s conditions, including high winds, storm surges, and torrential rains, the damage can penetrate every part of your home, business, or other structure requiring the complete replacement of the components therein, including the walls, floors, ceilings, and everything in between.

Insurance companies often delay payments, submit partial payments, or reply with outright rejections to the claims you fully expected them to pay after hurricane damage has changed your life. And the emotional toll that takes on you and your family can cause severe stress, anxiety, and grief.

You do not have to face the insurance claim process alone. Whether you are surveying your hurricane damage to submit a claim to your insurance company, or if you have already been met with resistance, our hurricane insurance claims attorneys can help you pursue the total financial recovery you deserve.

What Are Common Tactics Insurance Providers Use To Avoid Paying Policyholders?

Hurricanes cause billions of dollars in damage, and once the storm has passed, insurance companies revert to their all-too-common tactics that leave home, business, and property owners in a compromised position.

Those tactics can include:

Citing preexisting damage, prior to the hurricane, to avoid payment
Delaying claims dangerously close to the filing deadline
Denying payment for repairs they deem unnecessary
Insisting policyholders provide unnecessary paperwork and documentation for recovery
Stating the damage sustained was not included in the policy
Underpaying the value of claims

Whether your claim was delayed, underpaid, or denied, our hurricane damage insurance claim lawyers can help you pursue an optimal outcome by preparing, negotiating, and litigating a wide range of hurricane claim damages that allow you to hold the insurance company responsible for the policy they wrote, and you agreed upon by paying your premium.

Call Our Hurricane Damage Lawyers Now

At MoMo Law, our hurricane damage claims attorneys work on a contingency basis, which means you do not pay for our legal services unless we win your case. Contact our accomplished hurricane damage law firm at (512) 640-5138 to learn how we can help you face the insurance company with confidence today. MoMo Law is a Hurricane Damage Claim law firm. Our Hurricane Damage attorneys offer a free consultation in a safe, trusting, comfortable environment. Call our law firm now to learn how a Hurricane Damage claim attorney can help you confront the insurance company for the financial recovery you deserve.

Homeowner Insurance Claims

momolawdev on March 12, 2026

Homeowner Insurance Claims

At MoMo Law, our homeowner insurance claims attorneys know that the valuable protection your policy provides delivers peace of mind when it is not in use. We also know that the states and territories where we provide our legal services have some of the highest homeowner insurance premiums in the United States.

No matter where you live, insurance coverage is designed to make you whole after you file a property insurance claim. Whether you pay your premium monthly, semi-annually, or annually, the price of coverage is more than a nominal expense, so you fully expect the outcome to work in your favor.

Paying your homeowner Insurance Claims provides the confidence you need to pursue a claim when damage occurs to your home or property after a hurricane, flooding, fire, or another unforeseen event.

The reality is when it is actually time to file a claim, homeowners are faced with intense obstacles and unreasonable requests from the insurance company before repayment is even considered. You deserve more, and our Homeowners Insurance Lawyers can help you pursue the financial recovery you deserve from your insurance provider.

Contact our home insurance claim attorney today to learn how we can help pursue the best outcome for your claim.

What Are The Most Common Homeowner Insurance Claims?

Damage from hurricanes, severe storms, or lightning can impact our community throughout the year, leading to extensive and uncontrollable homeowner claims.

Our homeowner insurance claims Lawyers know that you pay your insurance premium on time to ensure you get the coverage you deserve when your home sustains:

Damage due to vehicles
Electrical current damage
Fire or smoke damage
Flooding
Foundation or structural damage
Hurricane damage
Liability claims for dog bites or personal injuries that occur on your property
Lightning damage
Mold damage
Non-weather-related water damage including water heater, plumbing, or HVAC overflow
Property damage from falling or flying objects
Roof, window, or exterior damage
Sinkhole damage
Theft
Vandalism or intentional damage
Wind and hail damage

Homeowner’s insurance is designed to protect you, your family, and your property from the unknown dangers that can leave your home partially damaged — or completely lost. When your homeowner’s insurance company is delaying payment, issuing a partial or unfair payment, or rejecting your claim altogether, you are going to need help pursuing the financial recovery you deserve. The homeowner claims lawyers at MoMo Law will aggressively represent you during financial negotiations or in a courtroom to pursue the outcome you deserve.

If we do not win your case, you do not pay for our services.

How Frequently Are Homeowner Claims Submitted Each Year?

Each year, each state and each policyholder’s overall insurance claims will differ. Hurricanes and other natural disasters like sinkholes and hailstorms that surprise our community throughout the year can lead to costly damage. This is exactly why insurance exists, so we are prepared for the worst and protected from the fallout.

According to the Insurance Information Institute, throughout the U.S. approximately:

One in 15 insured homes file a claim each year
One in 40 insured homes has a wind or hail damage claim each year
One in 50 insured homes has water damage claims each year
One in 250 insured homes have theft damage claims each year
One in 325 insured homes have a fire and lightning damage claim
One in 750 homeowners’ policies has a liability claim related to the cost of lawsuits for bodily injury or property damage that the policyholder or family members cause to others

Our insurance claims attorneys know that you have coverage to protect your best interests if or when something goes wrong.

The bigger question is, will your insurance company be there to provide the financial support you need as it is outlined in your policy?

How Much Homeowners’ Insurance Coverage Do I Need?

The amount of home insurance coverage you need depends on multiple factors, including the cost of your home, your possessions, where you live, and the risks your property faces. Most of the states and territories our homeowners insurance attorneys cover are often subjected to hurricanes and wildfires, so it is important that property owners amend their coverage to fit those types of natural disasters, so they are covered if the very worst happens.

If you need help understanding exactly what type of coverage you need, talk to our skilled homeowners insurance claims attorneys today to learn more about being proactive, instead of reactive.

Can I Change My Property Damage Insurance Policy At Any Time to Ensure All My Assets Are Covered?

Yes! You should assess your policy and coverage options annually, so you can ensure all your assets are covered through a risk assessment exercise that allows you to understand what happens if the unthinkable actually happens.

That can include someone getting hurt at your home or understanding what happens if a vehicle crashes into your garage. When it comes to insurance coverage, you can never ask too many questions, or reevaluate your coverage needs too often.

Our property damage lawyers know that the worst time to learn your home is not covered by your policy is after the damage occurs.

Contact our property insurance lawyers can help you understand what your policy means, what is covered, what is not, and how to make up for the coverage you need.

Why Would My Insurance Company Refuse To Pay My Homeowner Claim?

Insurance companies collect tens of billions of dollars each year on homeowner policies alone. The cost of your coverage and your prompt payments lead to the assumption that when you need them, your insurance provider is going to step up and pay your claim.

While that would be a reasonable expectation, it is often a misconception. Insurance companies profit from your premiums and increase their revenue by rejecting claims outright, or partially paying for the damage your home endured because they can.

Insurance company representatives have the power of a large corporation, bureaucracy, and in-house attorneys behind them 24/7 which are no match for the average consumer.

The small print of your policy and the paperwork necessary to appease the insurance company’s claim processes is overwhelming and exhausting, which is exactly how they want it. You will tire of fighting before they do. And they are counting on that being the case.

If you believe your insurance carrier is delaying, undervaluing, or denying your claim, contact our homeowner insurance disputes lawyers today for help. You do not have to take the insurance company’s word for what your home’s damages are worth. We can help set the record straight.

Why Do I Need a Public Adjuster to Evaluate My Home’s Damages?

When our clients file property insurance claims, they are typically met by the insurance company’s claims adjuster who will review the damage and estimate the costs to fix the issues.

The adjuster is an employee of the insurance company, so it is in his or her best interest to undervalue your claim, so the employer does not lose money. While that may not be fair, it is true.

You deserve to have an unbiased third party assess your damages where your best interests are put first. At MoMo Law, P.A., our property damage claims attorneys are policyholder advocates who will fight for the best outcome for each of our clients.

What If My Homeowner’s Insurance Claim Has Already Been Denied?

If your homeowner’s insurance claim has been denied by your insurance provider, that does not have to be the final word on the matter. Partnering with a skilled insurance claims attorney will allow us to investigate your damages, review your claim, and understand the facts behind its denial, so we can reopen your claim.

Once we have the opportunity to align the facts of your case with the supporting evidence and documentation necessary to pursue your policy, we will fight for your rights, so you can pursue the best outcome for your claim.

When you have homeowner’s insurance, it should protect you. We can help ensure that it does. Contact us today to learn more about your legal rights and options to take back control of your claim, and get the outcome you deserve.

Whether you are assessing your home’s damage to pursue a claim or have already received a rejection letter from the insurance company, our experienced insurance claims Lawyers will help you pursue the financial recovery that is rightfully yours simply by scheduling a free consultation now.

Contact Our Homeowners Insurance Claims Attorneys Now

Contact our accomplished homeowner insurance claims attorneys at MoMo Law today by calling (512) 640-5138 to learn how we can help you hold your insurance company accountable for the financial protection that is outlined in your contractual agreement.

MoMo Law is a Homeowner Insurance Claim law firm that offers free consultations in a safe, trusting, comfortable environment. Call our law firm now to learn how our Homeowner Insurance claim attorneys can help you confront the insurance company for the financial recovery you deserve.

Frequently Asked Questions for Our Homeowners’ Insurance Claims Attorneys

Do I Need to Keep an Inventory of the Possessions in My Home?Yes! Creating a home inventory list is one of the smartest things you can do to ensure your property and its value are accounted for in case it is damaged or stolen. A home inventory will also help you and your agent determine how much coverage you actually need, so you are protected from all angles.

Does My Mortgage Lender Get to Decide Which Homeowner’s Insurance Provider I Use?The policyholder – you – decides which insurer and coverage is right for you. If your coverage meets the minimum requirements set by your mortgage company, you can make the decisions.

Am I Required to Have Homeowner’s Insurance?By law, you are not required to have home insurance, but banks do require it as a condition of your mortgage. However, homeowner’s insurance can help you protect yourself from enormous financial loss in case disaster strikes, so it is important to have coverage that surpasses your overall property’s value.

Does My Homeowner’s Insurance Policy Cover Personal Injuries That Occur on My Property?Personal liability coverage can help protect you if you are found responsible for bodily injury to someone or damage to their property. Accidents happen, and if they occur on your property, you can be held liable for the associated costs, like medical expenses or lawsuits. Personal liability coverage can pay for those expenses, so you are not left paying for them out of pocket.

Will My Homeowner’s Insurance Coverage Pay My Expenses If I Cannot Live in My Home During Its Repairs?Yes. If your home is unfit for habitation due to a covered loss, your insurance coverage should help pay for additional living expenses — such as food and a hotel — while repairs are being made.

What Can I Do To Lower My Homeowners’ Insurance Premium?Depending on who your insurance coverage is with, they may have multiple options for you to lower your premium. Some insurance companies provide discounts for policyholders who install qualifying smart home devices or by combining their home and auto coverage.

Will Filing a Homeowners’ Insurance or Property Claim Affect My Premium?There are several factors unique to your area, coverage requirements, and claims history that go into whether your premiums will increase. Talk to an insurance provider to learn more about what factors will impact the cost of your policy.

How Long Will It Take For My Insurance Claim To Be Settled?The honest answer is, that it depends on how long it takes to repair/rebuild/replace their home and possessions after a large loss. The more complete your insurance claim is when you submit it, the smoother the process will be. That is why it is important to discuss your claim with an insurance claims attorney before you get started, so the insurance company has little reason to delay, undervalue, or deny your claim.

Home Vandalism

momolawdev on March 12, 2026

Home Vandalism

At MoMo Law, P.C., our experienced home vandalism insurance claims attorneys know that no one expects their house to be intentionally targeted for damage.

The reality is, home vandalism and malicious mischief fall into 7.4% of all property damage claims in the nation, which means it happens more than most think.

Home vandalism can occur for multiple reasons, including someone or a group of people randomly targeting properties for destruction, or intentionally trying to intimidate homeowners or occupants. No matter the case, your insurance coverage should pay for the damages — whether you were home, running errands, or out of town when it happened — without issue.

Whether it is broken windows, spray paint, light smashing, or general property damage and defacement that is intentionally caused to someone’s home, the repairs and replacement costs can be overwhelming.

As experienced home vandalism insurance claims attorneys, we know that is not always true and we want to help.

You Do Not Have to Face Your Insurance Company Alone

At MoMo Law P.A., our dedicated insurance claims attorneys help homeowners throughout the state evaluate their damages, understand their policy details, and file the necessary paperwork to pursue the best results for their vandalism claims.

You do not have to face your insurance company alone and worry about your home vandalism claim being delayed, undervalued, or denied. We can help provide legal solutions that demand results.

Contact Our Skilled Home Vandalism Insurance Claims Lawyers Now

Do not let filing an insurance claim intimidate you. Request a free consultation with our home vandalism insurance claims attorneys at MoMo Law, P.C. today at (512) 640-5138 . If we do not produce a positive outcome for your claim, you do not pay our legal fees.

Hail Damage Claims

momolawdev on March 12, 2026

Hail Damage Claims

The impact of hail can range from minor cosmetic damage to significant structural harm to properties. This variance in hail impact necessitates a thorough understanding of the potential risks and appropriate preventative measures. As residents, this means not only safeguarding your properties but also ensuring you have adequate insurance coverage to mitigate the financial implications of hail damage. This is where our team of hail damage claims lawyers at MoMo Law step in, offering unparalleled expertise in handling hail damage insurance claims

Insurance Laws and Hail Damage Claims

Insurance laws are designed to protect both the insured and the insurance companies, ensuring a fair and equitable process for all parties involved. Key aspects of these laws that are crucial for hail damage claims include:

Policyholder Rights
Law provides specific rights to policyholders, including the right to receive a clear explanation of why a claim was denied if that is the case. Policyholders also have the right to dispute a hail damage claim denial through various means, including mediation, arbitration, or litigation.
Burden of Proof
In hail damage claims, the burden of proof often lies with the policyholder. This means it’s the responsibility of the insured to provide adequate evidence of the damage and its cause. Detailed documentation, such as photographs, repair estimates, and weather reports, can be crucial in substantiating a claim.
Filing Deadlines
law sets specific deadlines for filing hail damage claims. Policyholders must be aware of these time limits to avoid missing the opportunity to file a claim. Late filings can often lead to denied claims, leaving the policyholder without recourse for damage recovery.
Replacement Cost vs. Actual Cash Value
Replacement cost provides for the cost to repair or replace the damaged property without depreciation deduction, whereas actual cash value takes depreciation into account.

Given the complexity of these laws and the nuances involved in navigating hail damage claims, legal assistance becomes invaluable.

Is Hail a Covered Peril?

Hail damage is typically considered a covered peril under most homeowner’s insurance policies. This coverage is a crucial aspect of property protection in a state where hail can strike unexpectedly and cause substantial damage.

However, insurance policies are not uniform and can differ greatly in terms of what they cover and to what extent. Some policies may have specific limitations or exclusions when it comes to hail damage, affecting the extent of coverage available.

For homeowners, it’s vital to closely review your insurance policy’s terms and understand how it addresses hail damage specifically.

Is Your Hail Damage Covered in Your Insurance?

While most policies do cover hail damage, the specifics of what is included and excluded can vary significantly.

Roof Damage
This is often the most significant aspect of hail damage coverage. Insurance typically covers repairs or replacement of roofs damaged by hail. However, the extent of coverage can depend on the age of the roof and the type of policy.
Siding and Window Damage
Hail can also cause considerable damage to siding and windows. Many insurance policies cover the costs associated with repairing hail-damaged siding and windows.
Personal Property
If hail damages personal property inside the home (such as through a broken window), this may also be covered under most policies.

These aspects of your insurance policy are crucial in determining whether your hail damage is covered. Reviewing your policy in detail or consulting with knowledgeable hail damage insurance claims attorneys is advisable.

How to Prepare Your Hail Insurance Claim

Efficiently preparing a hail damage claim is key to ensuring a successful and fair settlement from your insurance company. Here are the vital steps to follow:

Document the Damage Thoroughly
1. Photographs and Videos:Take clear, detailed photos and videos of all hail damage. This should include wide shots to show the extent of the damage and close-ups for specific areas like roofs, windows, and siding.
1. Date and Time Stamp:Make sure all documentation is date and time-stamped to validate the occurrence of the damage in relation to the hailstorm.
Review Your Insurance Policy
1. Understand Coverage:Familiarize yourself with what your policy covers in terms of hail damage. Note any specific clauses, deductibles, and limits.
1. Check Deadlines:Be aware of the timeframe for filing a claim, as most policies have strict deadlines.
Gather Necessary Information
1. Collect Receipts:Keep receipts of any immediate repairs done to prevent further damage, such as covering broken windows.
1. Record Expenses:Document any additional living expenses if the damage has made your home temporarily uninhabitable.
Contact Your Insurance Company Promptly
1. Notify Insurer:Inform your insurance company about the damage as soon as possible. Provide them with the initial documentation.
1. Filing the Claim:Follow the insurer’s process for filing the claim, which may include filling out claim forms and providing detailed information about the damage.

By following these steps, you can prepare a comprehensive and effective hail damage claim, enhancing the likelihood of a favorable outcome with your insurance company.

Are Hail Insurance Lawyers Needed When Filing a Claim? Hail damage can be a stressful and overwhelming experience for any property owner. Partnering with MoMo Law, a seasoned insurance claim law firm, can make all the difference. With our comprehensive understanding of hail damage claims for over 25 years, our hail damage claims lawyers stand ready to guide you through the process and ensure your rights and interests are protected. Contact us today for a free consultation, and let us help you navigate the complexities of your hail damage insurance claim.

Fire Damage

momolawdev on March 12, 2026

Fire Damage

At MoMo Law, our fire damage claim attorneys know how devasting a property fire can be. Even if the flames were extinguished quickly, the smoke and ash damage can lead to expensive repair bills and even complete loss. Property insurance coverage protects home and condo owners from having to pay for these damages out of pocket, which provides confidence when it’s time to file a claim. You have paid your premiums. You know the coverage is included in your policy. Why wouldn’t the insurance company pay for your losses?

Unfortunately, our clients know that fire insurance claims are more complex than submitting your expenses and receiving a check for the damages. That is where our fire insurance claim lawyers come in.

Insurance companies will do everything in their power to discredit your fire’s cause, so they do not have to pay for the damage that occurred. When they do not pay for your complete damages, you may not get the full amount you need to successfully recover from the property fire damage.

We can help you pursue the maximum financial recovery that is outlined in the policy your insurance company wrote, using our experience, skill, and legal resources to ensure your property is repaired or replaced in the way you deserve.

Contact our dedicated home and commercial fire damage claim attorneys today to learn how we can help you face the insurance company with confidence.

How Many Fires Occur Each Year in The United States?

According to the U.S. Fire Administration, there were 1,319,500 fires last year in the United States.

Those fires caused:

3,400 deaths
14,670 injuries
$23 billion in losses

The USFA describes residential fires as the leading property type for:

Nearly 77% of all fire injuries
Over 73% of all fire deaths
More than 54% of all the financial losses from fires

What Are The Most Common Causes Of Residential Fires?

At MoMo Law, our fire damage insurance claims lawyers know that fires can happen anywhere, including your home, condominium, garage, shed, backyard, or other property.

When a fire does occur, it only takes seconds for the damage to follow, and the fallout of a lingering flame can devastate your home, property, and possessions.

The most common causes of residential home and property fires can include, but are not limited to:

Appliance failures
Arson
Barbecues
Candles
Children playing with fire
Christmas trees and decorations
Cooking equipment and accidents
Defective wiring
Electrical equipment
Flammable liquids
Gas Leaks
Lighting/lamps/lampshades
Lightning
Smoking

No matter how the fire on your property occurred, our fire damage claims attorneys can assist you in preparing your fire damage claim and negotiating the financial requirements necessary to make you whole again.

If you have already submitted a fire damage insurance claim and it has been delayed, undervalued, or denied, we would like to help you get the financial results you deserve by pursuing the insurance company for the full coverage you have paid for.

What Are The Most Common Causes Of Commercial Fires?

At MoMo Law, our skilled commercial fire damage claim attorneys know that fires can happen anywhere. And when they occur at your business or another commercial property, your livelihood is immediately jeopardized.

Unfortunately, the insurance companies treat commercial fire damage insurance claims the same way they do residential fire damage claims: By doing everything they can to pay as little as possible for the damages.

We want to help you get the most from your property fire damage claim from the beginning of the claim process.

Some of the most common causes of commercial fires include, but are not limited to:

Arson
Cooking equipment
Electrical and lighting equipment
Flammable risks
Heating equipment
Smoking materials

If you would like to submit a commercial fire damage insurance claim, you must account for any inventory, machinery, and other property that has been destroyed by the flames or impacted by the smoke, ash, or sprinkler systems.

Our skilled fire damage claims attorneys can help ensure your claim is completed and submitted properly to include all the necessary details, so you can pursue the best outcome from the insurance company.

What Types Of Fire Damage Insurance Claims Can MoMo Law P.A. Help With?

Fire damage requires specialized care and cleanup, and depending on the structure that was damaged, different parties and their insurance companies may be responsible for the damages.

At MoMo Law, our fire damage insurance attorneys represent:

Home or condo owners
Homeowners’ or Condominium Associations
Business and commercial property owners
Vehicle owners

No matter where your fire damage occurred, if your property is insured, and your premiums are up to date, the insurance company owes you a fair evaluation of all damages. We can help ensure that is true, starting with a free consultation.

Should I Take My Insurance Company’s Word For Partial Damage Payouts?

The basic rule of thumb when dealing with insurance companies is that they are never going to value your losses at the proper rate that is covered by your policy. Their objective is to pay as little as possible, or even reject payment altogether.

If your insurance company offers a partial payment for the damages their adjuster has assessed, it is important to do your own investigation to ensure the overall damage is accounted for, and our fire damage claims lawyer can help ensure you have covered all your bases.

Those losses can include:

Hidden damage from water sprinklers, smoke, and ash can cause mold, diminished air quality, and damaged ducts.
Inadequate or improper cleaning and repair methods.
Disputes over a replacement part matching and line of sight repairs that should return your property to a “uniform and consistent appearance” — even if that means replacing undamaged items like carpeting or roof tiles.

At MoMo Law, our fire claims attorneys will thoroughly assess your property damage using an unbiased, third-party public adjuster who is experienced and skilled in outlining all your home or commercial property’s issues.

This is important because the insurance company’s claims adjuster works directly for the insurance company, which means they are protecting their employer’s best interests by undervaluing – or even outright denying – your claim.

Our public adjusters only have your best interests at the forefront of our investigation, so you know each of your damages is precisely outlined.

Next, our experienced fire damage claims lawyers will aggressively negotiate with the insurance company to ensure your legal rights are protected, and your options respected throughout the claims process.

You do not have to face the insurance company alone. Contact our dedicated fire damage insurance claims attorneys today for help.

What Happens if My Fire Damage Claim Has Already Been Denied?

Insurance companies often deny claims for multiple reasons, which can include when the home or property owner files an incomplete claim. While that can be fixed rather easily, and then resubmitted, other reasons can keep you from getting the coverage you need quickly.

Common reasons insurance companies deny fire damage claims may include:

Lack of coverage or exclusion clauses
Missed filing deadline
Non-disclosure of facts
Insufficient documentation
False statements or questionable claims

If your fire damage claim has been denied, you have the right to appeal the decision. Our skilled insurance claims attorneys will review your coverage, the claim, and the insurance company’s reasons for denying it, so you get a second chance at getting the financial recovery you are entitled to.

Contact our dedicated fire damage insurance claims lawyers to get the help you need today, so you can start rebuilding your home or business without any further delays.

How Can MoMo Law P.A. Help Me Recover The Full Value Of My Fire Damage Insurance Claim?

Being involved in a dispute with your insurance company can be time-consuming, emotionally taxing, and feel like a no-win situation.

The reason you have fire damage insurance outlined in your policy is so you will be completely protected from those damages when they occur. You do not pay thousands of dollars in home or commercial insurance coverage to be bullied by the insurance company when their only goal should be to help protect you.

Stop trying to fight the insurance company on your own. You deserve more, and our experienced fire damage claims lawyer will pursue your insurance company for the best financial outcome available for your case.

Our fire damage claims law firm’s negotiation and litigation skills are second to none in property damage claims recovery, and if we do not win your case either through a settlement or jury verdict, you pay us nothing.

Contact MoMo Law Today for a Free Consultation

Contact our accomplished fire damage claims attorneys at MoMo Law, P.C. today by calling (512) 640-5138 to schedule a free consultation.

Our Fire Damage Claim lawyers will provide a full assessment of what your claim is worth quickly and effectively, so we can begin holding the insurance company responsible for the repayment you deserve.

MoMo Law is a Fire Damage Claim law firm that offers free consultation in a safe, trusting, comfortable environment. Call our law firm now to learn how our fire damage insurance claim lawyer can help you confront the insurance company for the financial recovery you deserve.

Frequently Asked Questions for Our Fire Damage Claims Attorneys

How Do I Know if My Fire Damage is Covered?

To understand what is covered in your insurance policy, review the specific terms outlined therein. If you do not have a copy of the policy available, contact the insurance company and get one sent to you. The insurance policies declarations page will give you some basic information regarding your coverage.

What Should I Do After My Home or Business Has Suffered Fire Damage?

If your home or business suffered fire damage, be proactive.

Gather all documents and records related to the property damage.
Take extensive photographs of your damage and the surrounding areas.
Take pictures before and after the debris is removed, as well as of the cleanup process itself.
Provide the insurance company with an inventory of the property that was lost in the fire.
Allow the insurance company to investigate the fire before cleaning up any damage.

Talk to our skilled fire damage insurance claims attorneys to ensure your rights are protected throughout the claims process.

Will the Insurance Company Cover My Damages If My Home or Business Fire Was Caused by Arson?

All business and house fire insurance claims will be thoroughly investigated by the insurance company before any valuation or payment is made. That includes claims that are caused intentionally or accidentally by a third party.

The insurance company may partner with fire investigators, law enforcement, and other specialists to determine how the fire started, so they can rule out any suspicious activity that may have led to the fire, including arson. They must do their due diligence to ensure the insurance claim is not fraudulent, so they can pay for the damages.

Will the Insurance Company Cover Smoke Damage Claims?

Not all house or business fires evolve into roaring flames. Some can be caused by smoldering, which can lead to heavy smoke damage. Smoke damage claims require an experienced assessment, so all the details are included in your claim. Smoke damage can cause significant damage and require home and business owners to throw away possessions, inventory, or machinery. It can also require multiple cleanings to ensure the premises are safe for use going forward.

Our dedicated fire damage insurance claims attorneys can help outline each loss, so you can pursue your coverage for the maximum amount.

Can My Insurance Provider Dispute a Legitimate Fire Damage Claim?

Yes. And the reality is, they probably will. Insurance companies are in the business of making money, not giving it back to its policyholders. That means they will make you prove your home or business fire was not intentionally set by you before potentially undervaluing or denying your claim outright. You do not have to face the insurance company alone. We can help you negotiate your fire damage claim, so you can pursue the best outcome without being intimidated by the insurance company. We will take the lead.

How Long Will My Fire Insurance Claim Take To Settle?

Most fire claims, if handled correctly, should settle within 90-120 days, but all states and territories have different guidelines as to when the claim MUST be settled. Working with a fire claims insurance attorney will help expedite the process, so you can take back control of your home or business without further delay.

Should I Hire a Public Adjuster If the Insurance Company Discourages It?

The insurance company wants you to take their word for what your fire damage is worth, so they will not publicly announce that you need a second opinion. You are, however, entitled to one. Our skilled public adjusters will provide an unbiased appraisal of the damages, so we can begin negotiating with the insurance company from a place of influence.

How Much Does it Cost to Hire a Public Adjuster? Most public adjusters charge a small percentage of the negotiated settlement. That means if we do not win your case with the insurance company, we do not collect our legal fees.

Earthquake Damage Claims

momolawdev on March 12, 2026

Earthquake Damage Claims

While seismic activity is not widely known, it is not immune to the effects of earthquakes. Historically, the state has experienced several minor tremors, with the potential to cause unexpected and significant property damage.

The rarity of these events often leads to a lack of preparedness among residents and property owners. Therefore, understanding the potential for such natural disasters is crucial. MoMo Law, with over 25 years of experience, stands at the forefront of providing legal assistance for earthquake damage claims.

Types of Earthquake Damages Covered in Insurance Policies

Earthquake insurance policies are designed to provide comprehensive protection against various types of damages caused by seismic events. The coverage typically includes:

Structural Damage
This includes any harm to the physical structure of a building, like cracks in walls, damaged foundations, or collapsed roofs. Structural damage is typically the most significant and costly aspect of earthquake damage.
Non-Structural Damage
These damages refer to harm that does not affect the overall stability of the building but includes broken windows, damaged doors, and interior wall cracks. Non-structural damage, while less severe, can still be costly to repair.
Personal Property Damage
This covers damage to personal belongings such as furniture, electronics, clothing, and other household items. The coverage extends to items inside the home that are damaged as a result of the earthquake.
Living Expenses
If an earthquake renders a home uninhabitable, insurance policies often cover additional living expenses (ALE). This includes costs for temporary housing, meals, and other necessary expenses incurred while the primary residence is being repaired.
Business Interruption
For commercial properties, earthquake insurance can cover business interruption losses. This includes lost income and operating expenses that occur when a business is closed for repairs after an earthquake.

Each type of coverage has its specific terms and limits, and it is essential for policyholders to thoroughly understand their policy to ensure comprehensive protection against earthquake damages.

Exclusions in Earthquake Insurance Policies

Earthquake insurance policies, while providing crucial coverage, also have several common exclusions that policyholders need to be aware of:

Sinkhole Damage
Often confused with earthquake damage, sinkhole-related damages are typically not covered under earthquake insurance policies. Differentiating between these two types of damage is crucial for claims.
Flooding
Post-earthquake flooding, whether from natural sources or burst pipes, is generally excluded from standard earthquake insurance policies.
Landscaping and Exterior Damages
Damages to landscaping, gardens, and external structures like sheds or fences are usually not included in earthquake insurance coverage.
Fire Following Earthquake
If a fire is ignited as a result of an earthquake, the resultant damages might not be covered under an earthquake policy, but rather under a standard property insurance policy.
Intentional Damage or Negligence
Any damage that is a result of intentional actions or negligence is not covered in earthquake insurance policies.

Understanding these exclusions is key to assessing whether one’s earthquake insurance provides adequate coverage.

Common Reasons for Disputes in Earthquake Damage Claims

Disputes often arise due to discrepancies in the assessment of damages or disagreements over policy coverage terms. Policyholders may find themselves facing challenges such as:

Discrepancies in Damage Assessment
Differences in the valuation of damages between the policyholder and the insurer can lead to disputes. This is often a result of varying interpretations of damage severity or repair costs by the parties involved.
Ambiguity in Policy Coverage
Misunderstandings or ambiguities in the terms of the policy often result in disagreements over what is covered. These ambiguities can stem from complex policy language or differing expectations between the insurer and the insured.
Delayed Claims Process
Delays in the claims process can lead to frustration and disputes, especially if policyholders are in urgent need of funds for repairs. Extended waiting times can exacerbate financial strains and heighten tensions.
Denial of Claims for Technical Reasons
Insurers may deny claims based on technicalities, such as failing to meet certain claim filing deadlines or not providing sufficient evidence of damage. This often leads to policyholders feeling unfairly treated or misled.
Underinsurance
If the property is underinsured, disputes may arise when the insurance payout is insufficient to cover the full extent of the damage. Such situations highlight the importance of accurately assessing the value of the insured property.
Exclusion Clauses
Disagreements often occur over the application of exclusion clauses, especially in cases where the cause of damage is disputable. The interpretation of these clauses can significantly impact the outcome of a claim.

Navigating these disputes requires a nuanced understanding of insurance law and policy language.

Dedicated Team of Lawyers for Earthquake Damage Claims

When facing the aftermath of an earthquake, considering the services of an insurance claims law firm, like MoMo Law, can be a crucial step in ensuring fair and adequate compensation for damages. Our earthquake damage insurance claim lawyers bring several key advantages:

Advocacy in Disputes
Disagreements with insurance companies over the value and scope of damages are common. Our earthquake damage claim lawyers act as powerful advocates, challenging undervaluations or unjust denials and negotiating for a fair settlement.
Legal Expertise in Claims Process
Our insurance claims lawyers are well-versed in the procedural aspects of filing and pursuing an earthquake damage claim. They ensure that all necessary documentation is correctly submitted and deadlines are met, reducing the chances of technical denials.
Representation in Litigation
If a fair resolution cannot be reached through negotiation, our earthquake damage claim attorneys can represent you in court, presenting a well-structured case backed by legal analysis and evidence.
Stress Reduction and Time Saving
Dealing with earthquake damage claims while recovering from the disaster can be overwhelming. Our lawyers take on the burden of these negotiations and legal processes, allowing you to focus on recovery and rebuilding.

If you are challenged handling your earthquake damage claim, MoMo Law will not just be your legal advisor but a trusted ally. Contact us today for a free consultation and ensure that your rights and interests are protected in the wake of earthquake damage

Business Insurance Claims

momolawdev on March 12, 2026

Business Insurance Claims

At MoMo Law, our business insurance claims attorneys have worked tirelessly to build a firm with the integrity and experience necessary to successfully represent other business owners— and we know you have worked equally hard to create success for your business, too.

Whether you are a retail business owner with an inventory to protect or a service provider that has taken all the necessary steps to ensure that their insurance coverage matches their business’s needs, your future and its protection could lie in the hands of your insurance company should something go wrong.

Our business insurance claim lawyers know that insurance coverage is designed to protect your company from the unknown. And when the unknown becomes a reality, and the insurance company is suddenly unwilling to uphold its portion of the policy and its protection, you do not have to take it lying down. Our business insurance claim lawyer firm will aggressively pursue the financial recovery you deserve — that you have paid a premium for — so the damages your business sustained will be covered without you paying out of pocket.

What Type Of Damage Does My Business Insurance Policy Cover?

Depending on the type of business you are in, how large it is, and how many employers you have, your insurance coverage needs will differ from another company’s requirements. Insurance companies design policies that protect both common and unlikely damages, and you agree to the coverage because it is better to be safe from all angles than to lose the business you worked so hard to build.

Business insurance coverage can include, but is not limited to:

Property damage insurance, including:
- Fires
- Hurricane and storm damage
- Mold
- Sinkholes
- Vandalism or deliberate property damage
- Water damage
Company vehicle insurance
Product liability insurance
Professional liability insurance
General liability insurance
Business interruption insurance, including:
- Lost clientele/lost income
- Moving or temporary relocation costs
- Rental fees and leases
Workers’ compensation insurance

Commercial insurance coverage is designed to protect your business in good times and bad, and when something happens that requires you to submit is claim, it should never be met with rejection or an unfair offer from the insurance company.

At MoMo Law, P.A., our business insurance claims lawyers will take the lead in pursuing the highest financial compensation possible from the policy and insurance company you have to help you protect your business or rebuild it entirely.

How Can MoMo Law, Help My Business With Insurance Claims?

Our business insurance claim Attorneys can assist businesses before, during, and after they submit their claims to the insurance company to ensure that your personal and commercial rights are protected throughout the process.

We will prepare your claim to ensure the coverage that is outlined in your insurance policy is reflected in the submission, creating fewer obstacles for you and giving the insurance company very little room to deny the claim.

Next, we will negotiate the claim if – or more likely when – the insurance company makes a counteroffer that is simply not up to the financial standard you deserve. Should negotiations fall apart at any time during the process, we will litigate your claim in a courtroom.

Our business insurance claims attorneys have the resources, experience, skill, and confidence to assess your needs and to substantiate the damages that your business incurred, so we can pursue the maximum compensation you deserve.

What If I Have Already Filed A Business Insurance Claim And Was Denied?

Insurance litigation is one of our strongest assets at MoMo Law Our accomplished business insurance claims attorneys are simply not interested in taking no for an answer, and neither should you.

Your business is the lifeblood of your future, and without it – or the proper financial recovery to rebuild it – your financial livelihood could be devastated. If you have received a denial for your business insurance claim, contact our law firm at (512) 640-5138 right away to learn how we can protect your rights while countering the insurance company’s response.

If your insurer is conducting your claim in bad faith, we will work aggressively to hold them accountable. It does not matter how complex your insurance claim may be, our Business Insurance Claims Lawyers have more than two decades of combined experience in producing results for our clients, and we can pursue the same for you and your company.

Contact Our Business Insurance Claim Attorneys Today To Schedule A Free Consultation

No matter why you are filing a business insurance claim, it is important to pursue the full amount of the coverage outlined in your insurance policy, and with our effective legal guidance, you will gain the confidence you need to produce results.

Contact our skilled business insurance claim lawyers at MoMo Law today at (512) 640-5138 to schedule a free consultation and learn how we can help you get the results you need.MoMo Law is a Business Insurance law firm. Our Business Insurance attorneys offer free consultation in a safe, trusting, comfortable environment. Call our law firm now to learn how our Business Insurance claim attorney can help you confront the insurance company for the financial recovery you deserve.

Broken Pipe Damage Claims

momolawdev on March 12, 2026

Broken Pipe Damage Claims

Insurance laws establish a clear set of guidelines for handling broken pipe claims. These laws define the obligations of both insurance carriers and policyholders, ensuring a fair and efficient resolution of claims. Central to these regulations is the principle of ‘good faith,’ mandating that insurers must handle claims responsibly and promptly.

However, the intricacies of these laws can be complex. For instance, the specific conditions under which a broken pipe claim is valid can vary. This is where MoMo Law’s broken pipe damage lawyers become invaluable. Our insurance claims lawyers are adept at navigating the nuances of insurance laws, ensuring that the claims process adheres to legal standards, and advocating for the policyholder’s rights while ensuring compliance with regulatory obligations.

Scope of Broken Pipe Insurance in Homeowners’ Policies

The scope of insurance policies for broken pipes typically encompasses several key areas, each with its nuances and conditions.

Coverage for Pipe Repairs
Generally, many policies do include coverage for the cost of repairing the actual broken pipe, which can be a significant relief for homeowners facing such issues. However, it’s important to note that there are exclusions in certain policies. For instance, repairs might not be covered if the breakage results from negligence on the part of the homeowner, such as failing to properly maintain the plumbing system, or if it’s attributed to normal wear and tear over time.
Mold Remediation
While some policies do offer coverage for mold removal and remediation as a direct consequence of water damage caused by a broken pipe, it’s essential to be aware that such coverage often comes with its own set of limitations. Typically, insurance policies may impose a cap on the amount they will pay for mold-related claims. This means that while some financial relief is provided for mold remediation, the extent of this coverage is bounded by predefined limits.
Water Damage Coverage
It usually includes damage to various parts of the home, such as walls and floors, as well as personal property that may have been affected by the water from the broken pipe. However, the extent to which the damage is covered can be subject to the specific limits outlined in the policy.

This detailed analysis is vital to determine the validity of a claim and the amount that can be rightfully claimed under the policy. Our broken pipe insurance claims attorneys can meticulously review and interpret policy documents, identifying the coverage limits, exclusions, and conditions that apply to broken pipe damages.

Common Causes of Broken Pipes

Several prevalent causes of broken pipes are not only limited to climatic characteristics. Some of the common causes of broken pipes include:

Aging Infrastructure
Many buildings, especially older constructions, have plumbing systems that have deteriorated over time. This natural wear and tear can lead to weakened pipes that are more susceptible to breaking.
Saline Air Corrosion
Proximity to the ocean means that the air is often laden with salt. This saline air can accelerate the corrosion of metal pipes, making them prone to breakages.
Ground Shifts
Areas built on reclaimed land can experience subtle ground movements. These shifts, although often minor, can put additional stress on pipes, leading to fractures or breaks.

Understanding these common causes helps in the early identification of potential risks and informs the appropriate maintenance strategies to prevent pipe breakages, and determine whether it is covered within the insurance policy.

Steps to File Broken Pipe Claims

Filing a broken pipe insurance claim involves several critical steps:

Immediate Reporting
As soon as a broken pipe is detected, it’s important to report the incident to the insurance company. This prompt action is crucial for a swift response and claim processing.
Documentation
Gathering evidence is essential. This includes taking photographs of the damage and obtaining repair estimates. Detailed documentation aids in substantiating the claim.
Policy Review
Understanding the specific terms of your insurance policy is vital. Our broken pipe insurance claims lawyers can assist in interpreting the policy’s coverage and limitations, ensuring a clear understanding of what is claimable.
Professional Assessment
Having a professional assess the damage can provide an objective viewpoint on the extent and cause of the damage, which is valuable for the claim.
Claim Submission
Once all evidence and assessments are gathered, the claim must be submitted with the necessary documentation. This step is crucial for the initiation of the claims process.
Legal Consultation
Seeking advice and representation from our broken pipe insurance claims attorneys can guide you through the complexities of the claims process and advocate on your behalf for a fair and just resolution.

Each of these steps plays a crucial role in the successful filing and processing of a broken pipe insurance claim, ensuring that the policyholder’s rights are protected and the claim is handled efficiently and effectively.

We Are Your Advocates in Broken Pipe Insurance Claims

MoMo Law occupies a pivotal position in the realm of broken pipe claims, providing unmatched expertise and support to policyholders. Our team of experienced broken pipe claims attorneys is well-equipped to offer unrivaled guidance and representation in these complex cases.

Our approach to handling broken pipe claims is both strategic and client-focused. We assess each case individually, developing a tailored strategy that maximizes the likelihood of a successful outcome. This personalized approach is key in addressing the unique aspects of each claim. With our profound legal acumen, our broken pipe insurance claim attorneys are skilled negotiators who will advocate fiercely on your behalf. Contact MoMo Law today for a free consultation, and experience the peace of mind that comes from having a formidable ally in your corner.

Boat Insurance Claims

momolawdev on March 12, 2026

Boat Insurance Claims

If you are a boat owner, you know that boating requires comprehensive insurance coverage that covers the boat itself, the people enjoying its use, and the other vessels and their passengers who share our waterways, lakes, and seas.

At MoMo Law, our boat insurance claims attorneys understand that just because you have an insurance policy to protect you in case of an accident, storm, or third-party negligence, the insurance company is not always going to pay the maximum amounts they have outlined in your policy. Insurance companies have long been notorious for writing policies they never plan to cover, and when our residents fall victim to insurance denials, partial payments, or slow-paying recovery methods, our boat insurance claims lawyers are here to force their hands.

What Type Of Boat Damage Will My Insurance Policy Cover?

Each boat owner’s insurance policy will differ and is based on many factors, including the type and value of the boat. Depending on what type of coverage you require, and whether the boat is used for commercial or private use, the policy will be unique to your needs.

The purpose of boat insurance is to protect you and your financial standing should any of the following occur:

Collisions with another craft
Dock damage
Hurricane or storm damage
Injury to a passenger, including:
- Amputation
- Back injury
- Broken bones
- Burns
- Contusions
- Drowning
- Head injury
- Hypothermia
- Internal injuries
- Lacerations
- Neck injury
- Shock
- Spinal injury
- Sprain/strain
On-the-water accidents, including:
- Capsizing
- Collision with a fixed object
- Flooding/swamping
- Grounding
- Sinking

The Cost of Boat Accidents

The property damage total does not include the costs associated with the personal injuries or wrongful death cases that were brought forth by those who were hurt or the families who lost their loved ones. If an injury occurs aboard your boat or as a result of a collision with your boat, and you are sued by the passenger or another boater, the financial fallout can be life-changing.

Insurance coverage is designed to protect you from the worst-case scenarios during boat ownership, which can include everything from losing your vessel completely during a hurricane to another boater colliding with your vessel and sinking it fully.

Our boat insurance claims attorneys know that while these are instances you cannot control, your insurance policy is in place to protect you from the unknown. And when your insurance company fails to make good on the policy that they wrote, you do not have to accept their deflated offer. And you should not compromise your position.

Why Is My Boat Insurance Company Unwilling To Pay What I Deserve?

When your boat has been damaged for any reason, whether it was docked and hit by another negligent boater or was run aground while at sea, insurance companies are going to estimate the damages at much less than they are actually worth to avoid paying the full amount that you deserve.

Your insurance company may offer several reasons as to why they are giving you a less-than-fair offer for your damage, including possibly that the cause of the damage could not be determined or confirmed.

While this tactic is upsetting to policy owners, insurance companies will play hardball with their clients to disprove their obligation to pay for the damages that occurred.

At MoMo Law, our boat insurance claims lawyers know all the insurance company’s tactics for offering a compromised payout that leaves many boat owners paying out of pocket to cover the actual expenses.

Do not allow the insurance company to intimidate you. Call our boat insurance claim law firm to learn how we can help you pursue the proper settlement of the jury verdict you deserve.

How Can MoMo Law Help Me Recover From A Boat Insurance Claim?

At MoMo Law, our boat insurance claims attorneys provide free case assessments that allow our Boat Insurance Claims Lawyers firm to learn more about your boat, its damage, and the policy that was written to protect you.

Once we have reviewed your claim, we will protect your rights fully inside or outside a courtroom to ensure you get the compensation you deserve from the insurance company which is fully responsible for covering the damages that are outlined in your policy. You have paid your premiums, and upheld your end of the insurance policy they wrote — now it is their turn to provide the services and financial coverage protection that was agreed upon.

Call Our Boat Claims Lawyers For Free Consultation

If you have suffered damage to your boat in any capacity, and are getting payment resistance from the insurance company, contact our boat insurance claims lawyers at MoMo Law, today at (512) 640-5138 to discover how we can help you win this fight. Because if we do not win your case, you do not pay. MoMo Law is a Boat insurance claims law firm. Our Boat claims attorneys offer free consultation in a safe, trusting, comfortable environment. Call our law firm now to learn how our Boat claims attorneys can help you confront the insurance company for the financial recovery you deserve.

Assignment of Benefits

momolawdev on March 12, 2026

Assignment of Benefits

At MoMo Law, our Assignment of Benefits attorneys have been protecting the rights of our residents and others throughout the state for more than four combined decades.

Our Assignment of Benefits lawyers focuses on representing those who are struggling with homeowner’s insurance claims and are considering making the decision to assign the collection of those claims to contractors amid distressed times when repairs must be made to their homes quickly. Assignment of Benefits contracts may seem straightforward when you need immediate repairs, but the complexity lies in your insurance coverage itself, and our lawyers can help you separate the allure of these contracts versus the reality of your responsibilities after signing the legally binding agreement.

What is An Assignment of Benefits?

An Assignment of Benefits contract is a document signed by the policyholder — the property owner — that allows a third party to seek direct payment from the insurance company for services rendered in the policy owner’s stead.

Assignment of Benefits, or AOB, is a popular resource for homeowners and other property owners who suffer damages from storms, water damage, or structural damage and need immediate repairs, but do not want to shoulder the costs of the renovations while their insurance policies lag in covering the overall expenses.

By signing the AOB, the property owner gives the roofer, plumber, or another third-party contractor the ability to bill the insurance company directly for the repairs, theoretically taking the policyholder out of the equation.

Why Would I Need A Lawyer Before Signing A Contract?

At MoMo Law, our Assignment of Benefits attorneys understand that immediate repairs to your home may be more than a want, but an actual need. Broken pipes, water damage, or even fires can disrupt your family’s quality of life in many ways, and when you cannot wait for the insurance company to pay before contracting the repairs, stress will begin to take over.

Consulting with an attorney before signing an Assignment of Benefits contract is imperative because insurance companies are balking at repayment, and the contractors who hold the benefits from your contract may stop work on your home immediately until the outstanding costs are paid.

Worse, you could become personally responsible for the total costs of the repairs if the insurance company denies the claim altogether, due to a technicality in your policy’s verbiage or coverage agreement.

Are Insurance Companies Legally Allowed To Deny Claims?

In December 2018, the Florida Supreme Court accepted the review of a case presenting the question as to whether the Assignment of Benefits restrictions should be permitted in homeowner’s policies.

In short, the case under review claims that the insurance policy in question states that “all” insureds, all additional insureds, and all mortgagee(s) named in the policy must sign the Assignment of Benefits before it can be enforced.

In this case, the wife was the only person who signed the AOB. The husband, whose name is also on the policy and the mortgage, did not sign the contract, making it void — according to the insurance company.

The result of this lengthy argument will likely change the way AOB are handled going forward, which further requires an attorney’s representation before any contract is signed.

You do not want to be held personally responsible for costly repairs simply due to the confusing verbiage in your insurance policy. Contact MoMo Law Assignment of Benefits lawyers by calling (512) 640-5138 before you sign any contract that may hold you liable for the expenses.

What If I Have Already Signed A Contract?

Our Assignment of Benefits Attorney understands that some repairs simply cannot wait and that an AOB contract may have been your only option in getting your home back in working order.

If you have already signed the contract, the control of the rights and benefits provided by your policy in resolving the claim may belong to the third-party contractor.

Contact our AOB law firm today and allow us to review the contract while supplying the legal representation you need to ensure the agreement is being fulfilled.

Keep in mind, that the breakdown in AOB contracts typically begins with the insurance policyholder, as most insurance companies are not in a hurry to pay a claim. What’s more, is that insurance companies are claiming that third-party contractors are taking advantage of their position as the collector, and are often unwilling to pay the full amount required for your repairs.

It is important to understand your rights during these circumstances, and our Assignment of Benefits lawyers in can help protect you before and after a contract is signed.

Contact Our Skilled Assignment of Benefits Lawyers Today For A Free Consultation

At MoMo Law, P.A., our boutique law firm has more than 25 years of experience representing policyholders as our Assignment of Benefits lawyers work tirelessly to protect your rights against large insurers and third-party contractors. If you have questions regarding your insurance policy and how signing a contract will affect you, call our skilled lawyer today at (512) 640-5138 to schedule a free consultation to ensure your rights are protected. MoMo Law is an insurance law firm. Our attorneys offer free consultation in a safe, trusting, comfortable environment. Call our law firm now to learn how our Assignment of Benefits claim attorney can help you confront the insurance company for the financial recovery you deserve.