Pensacola (850) 202-8522
Santa Rosa Beach (850) 608-0112
This is a distinction that is given to less than 5% of attorneys nationwide.
This is a distinction that is given to less than 5% of attorneys nationwide.
Attorney Stephen Moorhead is proud to be Board Certified by the Florida Bar.
Attorney Stephen Moorhead is proud to be Board Certified by the Florida Bar.
Stephen Moorhead has been practicing law in Florida since 1988.
Stephen Moorhead has been practicing law in Florida since 1988.
There is always something positive that can be done to improve a client’s situation and welfare.
There is always something positive that can be done to improve a client’s situation and welfare.
The Moorhead Law Group assists clients with matters relating to personal or business property damage stemming from natural disasters.
Most people would expect their insurance company to be right at their side, ready to assist when their home or property is damaged in a natural disaster such as a hurricane. When you buy property insurance, you expect that if you lose your home or deal with extensive damages, your homeowner’s policy claim would be investigated quickly so you can recover your losses fairly. Unfortunately, the insurance companies usually have one thing in mind; their profit.
If you have recently filed an insurance claim, are fighting for coverage, or pursuing a bad faith claim against the insurance company, our law firm can assist you in a large variety of insurance claim disputes.
Our Pensacola property damage attorneys are well versed when dealing with insurance companies and the tactics they use to delay, deny, and defend against insurance damage claims. It will cost you nothing to hire our firm, and we are only paid if we win your case.
Whether your property has been damaged by a hurricane, storm, or another weather-related incident, the insurance companies often deny insurance claims or will refuse to pay the total value of your damages. In Florida, there are specific laws that govern how an insurance company needs to handle your damage claim. We know how to navigate through these laws.
Insurance companies must follow laws for estimating and paying on an insurance damage claim and the investigation process involved. Unfortunately, these laws are ignored time and time again by insurance companies. With over 20 years of legal experience, we have assisted many homeowners in Florida by maximizing their insurance policy recoveries.
Our firm routinely handle property insurance claims throughout Pensacola and the surrounding counties. We know how to assist our clients by providing full-service reinforcement or execution of important processes such as filing court documents, distributing assets, and communicating appropriately with courts.
Here are a few questions to consider when selecting an attorney to handle your insurance dispute case.
To speak with an attorney experienced in insurance disputes at Moorhead Law Group, please contact us at (850) 202-8522 or send us a message via this website.
Insurance companies must follow laws for estimating and paying on an insurance damage claim and the investigation process involved. Unfortunately, these laws are ignored time and time again by insurance companies. With over 20 years of legal experience, we have assisted many homeowners in Florida by maximizing their insurance policy recoveries.
Our firm routinely handle property insurance claims throughout Pensacola and the surrounding counties. We know how to assist our clients by providing full-service reinforcement or execution of important processes such as filing court documents, distributing assets, and communicating appropriately with courts.
Here are a few questions to consider when selecting an attorney to handle your insurance dispute case.
To speak with an attorney experienced in insurance disputes at Moorhead Law Group, please contact us at (850) 202-8522 or send us a message via this website.
Few firms of our size can claim the pedigree that we have to offer. Our attorneys are effective in taking care of business and providing the knowledge and expertise our clients need.
Meet our attorneysHe and his team are so willing to help, and knowledgeable, that I would recommend anybody uses his law group for any of your real estate needs.
...in solving an issue relating to the use and enjoyment of our land. I highly recommend Moorhead Real Estate Law Group--true professionals and subject matter experts!
The experience, professionalism, and dedication that this practice commits to each deal far exceed their competitors. Working with Stephen, Andrea, and Tracy has been a delight and completely hassle-free -- AND they saved us money!!
The Moorhead Real Estate Law Group walked us through the entire process and was always responsive to our questions. They were very thorough and kept in regular communication with us. The entire staff was professional and friendly.
Always on top of my transactions and legal work. In 26 years of development and real estate, Amelia and Lindsey are the most accommodating, knowledgeable, professional, and diligent. Highly recommend.
Steve Moorhead is a true professional! He and his expert team have assisted me with numerous real estate transactions. I highly recommend Steve and the Moorhead Real Estate Law Group.
PROPERTY INSURANCE CLAIMS FOR STORM DAMAGES
There have been some significantly damaging hurricanes that have hit Florida in the past and currently. When your house, business property, or condo has suffered damage from a tornado, storm, or another natural disaster it’s important to protect your property by acting as quickly as possible. Your ability to pursue a property insurance claim for the repairs is critical and of the utmost importance. This immediate action can almost guarantee less continued damage from being further exposed to nature’s elements
If you study your property insurance policy closely, you are usually required to give notice to the insurance carrier right away once the damages have occurred. The insurance carrier could claim that it was “prejudiced” by your delay in contacting them on your claim if you wait too long to do so. They can also attempt to deny covering you as a result. Below are a few steps you can take to protect yourself in the event of damages to your property.
WHAT DOES YOUR POLICY COVER?
As a policyholder, you need to know the coverages on your policy and that they usually cover more than just damage repairs to the home. If you need to be out of your home for repairs to take place, your policy could cover ALE, Alternative Living Expenses. ALW should reimburse the cost of you living somewhere else while damages are underway.
CAREFULLY CHOOSE A REPAIR COMPANY
The insurance companies will try to limit your selection of repair contractors, don’t let them! You have the right to choose the most qualified contractors and they don’t even have to be cheap.
The insurance companies have preferred vendors that save them a lot of money but you have to do what is best for your situation.
GET EVERYTHING IN WRITING
Documentation is so critical in situations like this. If you document all communications you will avoid conflicts or other misunderstandings that can arise.
ASK FOR A COPY OF THE REPAIR ESTIMATE FROM THE INSURANCE COMPANY
You will need to review the repair estimate to make certain there are not missing damages. An evaluation can be made by a property damage lawyer along with a public adjuster or insurance claim professional to evaluate the costs in the estimate.
MAKE SURE TO TAKE LOTS OF PICTURES
How does the insurance company know what the damage really looked like right after a disaster has struck? You can have proof of the evidence and condition of your property that was damaged along with more personal property such as furniture, electronics, and clothing. That way there is no question as to what was actually damaged or not replaceable.
APPROVE VENDOR CONTRACTORS
Incurring the cost of repairs yourself is not something you want to happen. So, before signing with any vendor contractor, make sure they are approved by the insurance company. Recourse is always an option if the insurance company refuses but it is better to check with them first to avoid further steps that have to be taken.
Our Pensacola property damage claims attorney can successfully file an insurance claim for you. We have effectively represented the interests of our clients when the insurance companies, again and again, refuse to pay up on their end. This navigation process is as stress-free as possible by having one of our lawyers on your side guiding you through the process.
