Fire, Smoke or Lightning Losses in Florida 

Fire, Smoke and Lightning Losses can happen at any time in Florida.  According to the Insurance Information Institute, 35% of property claims filed in 2017 were fire losses.  The average loss due to lightning or fire is $79,785.00, which is substantially higher than any other typical claim you may have.  The cost of these claims without insurance would bring many people to the brink of bankruptcy.  With insurance, you are able to recover from a fire loss, but knowing what your rights under the policy and the law is the key to success.  The insurance company has obligations that it must follow as well.   

Homeowners Losses Ranked By Claims Severity (Average Claim), 2014-2018

Source: ISO®, a Verisk Analytics® business.

Knowing your rights and your insurance company’s responsibilities to you can lead to a faster and easier claim resolution.  Additionally, ensuring you receive what is owed to you makes the rebuild process smoother.  Middagh Law, P.L.L.C. has the experience you need to assist in protecting your rights and obtaining the claim settlement you need to put your home and life back together after a lightning or fire loss.  Contact us for a free initial consultation by calling (786) 395-1148 or by emailing richard@middaghlaw.com.