A Law Firm You Can Count On

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2101 W Commercial Blvd #2800
Fort Lauderdale, FL 33309

Consultation

Call Us 305-935-8986

David Low & Associates, P.A.

A Law Firm You Can Count On

Our skilled attorneys care about each client’s legal challenges and personal concerns. We work tirelessly to meet our clients’ needs when storm damage, water damage fire damage or vandalism destroys a home or commercial property — and insurers fail to abide by their own homeowners insurance policies.

Additionally, we represent clients alleging insurance agent negligence, those who suffer business interruption and others who may want to appeal a negative outcome in court. Learn more about our lawyers, their backgrounds and career accomplishments below.

Call (305) 935-8986 to arrange your initial consultation at David Low & Associates, P.A., plus a free home inspection and policy evaluation. Don’t forget to call our office before you call the insurance company.

Types of Claims

HOMEOWNER INSURANCE CLAIMS

If your home recently suffered damage from a hurricane or storm, or through water or fire damage, you rely on your insurance company to provide you with the money you need to fix the problem. You have been paying premiums on your insurance policy, so when you need them to provide you with assistance, they Read More

COMMERCIAL PROPERTY CLAIMS

Has your business or commercial property been damaged or destroyed beyond repair due to a flood, fire, act of God or vandalism? Contact the experienced attorneys at David Low & Associates, P.A. the commercial property claims attorney in Fort Lauderdale, FL before you call the insurance company. Many property owners are unsure of what their Read More

HURRICANE DAMAGE INSURANCE CLAIMS

Hurricanes form over warm ocean waters and turn into large swirling storms. They can produce winds of 85 miles per hour or even higher. When a hurricane forms, their winds can damage buildings and trees. Heavy rain also occurs during a hurricane, which can cause flooding. If you own a property that has been suffered Read More

WINDSTORM DAMAGE INSURANCE CLAIMS

A windstorm is a storm with heavy winds but little or no rain. Windstorms can last for a few minutes, a few hours or even several days. Their winds can go as fast as 45 miles per hour or more. Windstorms can produce power outages and falling trees, often leading to property damage. In such Read More

WATER DAMAGE INSURANCE CLAIMS

Water can cause serious damage to property and create the perfect environment for the growth of toxic mold that poses a serious health risk and renders the premises unusable. Insurance policies routinely cover water damage, but often exempt flood damage from coverage. Water damage in Florida is quite common for many homeowners and it can Read More

ROOF DAMAGE INSURANCE CLAIMS

Roof Damage can be caused by several factors. Poor maintenance, age, storms or just season after season of normal wind and rain can turn minor damage into a major problem. Strong winds and hurricane storms often result in damaged roofs in Florida. Roof leaks or missing tiles can cause Home Damages and small leaks can Read More

BURST PIPES INSURANCE CLAIMS

Burst pipes are very common at home and in public areas mainly in old homes of Florida. Pipes can burst for a variety of reasons, ranging from age and damage to high pressure or misuse . A burst pipe can damage your property and lead to a water damage and mold growth that is expensive Read More

FLOOD DAMAGE CLAIMS

A flood is a natural event where a piece of land that is usually dry suddenly gets submerged under water. Flooding can occur from excessive rainfall, burst pipes, storm surge or flood from a hurricane storm, sometimes resulting in property and home massive damages. If your property had a flood and you want to file Read More

FIRE DAMAGE INSURANCE CLAIMS

Fire damage is damage caused to a building or other property during the course of a fire. The effects of fire damage can be devastating and far-reaching. Fires often lead to smoke damage, potentially water damage from firefighting efforts and extensive property damage. If you own a property that has been suffered from a fire Read More

DENIED INSURANCE CLAIMS

Immediately after a natural calamity strikes, the property might suffer extreme damage. Obviously, you expect your property insurance provider to immediately accept your claim and provide you the right compensation. Since you’ve never missed out on paying the premium on time, you expect that you would receive the genuine compensation from your respective insurance company. Read More

UNDERPAID INSURANCE CLAIM

Immediately after a natural calamity strikes, the property might suffer extreme damage. Obviously, you expect your property insurance provider to immediately accept your claim and provide you the right compensation. Since you’ve never missed out on paying the premium on time, you expect that you would receive the genuine compensation from your respective insurance company.

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815

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458

Money paids

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56
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Case Closed

8562
+

Successful

98
%
Our skilled Attorneys

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Critical matters. Critical thinking.

Why You Should Consider a Home Electrical Wiring Upgrade

Upgrading the wiring on a home can indeed be quite messy and expensive, but there are times when it becomes necessary, as a way to make sure the home is safe and to maintain its value. Even if the TV and the lights turn on as they should and the refrigerator keeps food cold, there are times when that is not sufficient in determining whether your wiring needs an upgrade. If your home is more than 40 years old, you may still need to be upgraded electrical wiring for safety reasons, or because the existing wiring no longer meets your family’s power needs.

There are Many Safety Issues with Older Wiring

According to a study by the National Fire Prevention Association, faulty wiring is the leading cause of residential fires in the United States. The older your home is, the greater the chances that the wiring might be outdated or unsafe. That doesn’t mean old wiring is inherently dangerous, but unless you were around when the original wiring was installed, you can’t be sure the electrical system is up to code. There is also the fact that some materials, especially the insulation on the wires, can deteriorate with time. The one thing to keep in mind is, you won’t necessarily get a warning that it’s about to start a fire. Also, if your wiring is old and you don’t upgrade, some homeowners’ insurers may refuse to cover the home, which could pose a problem if you decide to sell.

If you have no idea when the wiring in your home was inspected last, it’s probably worth it to pay a licensed electrician to check it out. If you have experienced any of the following, you should certainly have an inspection:

  • Fuses that blow repeatedly or breakers that constantly trip;
  • Lights that flicker or are dimmer than they should be;
  • If there is a persistent burning smell coming from a particular appliance or from a room;
  • Electrical outlets that are warm or discolored, or which occasionally spark;
  • Two-prong ungrounded outlets throughout the home;
  • No ground fault circuit interrupter (GFCI) outlets in kitchens, baths, and other rooms that are exposed to excess moisture.

 

Have Aluminum Wiring? Inspect!

Back in the 1960s and 1970s, many homes were built using aluminum wiring instead of the traditional copper wire, as a money-saving measure. These days, aluminum wiring is considered a safety hazard because connections tend to loosen up over time, which can cause overheating and possible fires when appliances are plugged into receptacles. At the very least, in a home with aluminum wiring, an inspection can determine whether it’s safe to leave the wiring in place. Short of a complete upgrade, it has been found that the addition of copper connectors called pigtails, at receptacles and circuit breakers, can fix potential problems.

 

Sometimes, You Need More Power

Whereas 60 amps used to be the standard for household power, these days it is not uncommon for a house to need to run 200 amps because some appliances, air conditioners, flat-screen TVs, computer equipment needs it. That includes many other gadgets that our parents and grandparents couldn’t envision when the electrical wiring was being installed in your home. And it’s more than just inconvenient; running with insufficient power can cause serious damage to many sensitive electronics. Even with adequate power, you may need to add outlets so as not to rely on power strips and extension cords, which can be a potential safety hazard.

So, if the electrical system in your home isn’t adequate, you face the very real possibility of a house fire or electrocution of a family member or a visitor, and your homeowner’s insurance may not cover that. Even if a disaster doesn’t happen, you could end up frying a lot of expensive electronics.

 

Law Firm of David Low and Associates, P. A. | 844-96-CLAIM

DISCLAIMER: The information in this article is purely for educational purposes, reflective of the time it was published. It is not to be understood as legal advice.

TAGS: ELECTRICAL WIRING, ELECTRICAL WIRING UPGRADE, HOME ELECTRICAL WIRING, HOME ELECTRICAL WIRING UPGRADE, HOMEOWNERS INSURANCE, HOMEOWNERS INSURANCE POLICY

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How to Properly Document Damage for a Homeowners Insurance Claim

Following a fire, flood or any type of disaster, you probably have plenty of anxiety and stress. The last thing you want to do is to be reminded of everything you lost. However, you will also want to file a claim with your homeowner’s insurance – that’s why you pay the premiums every month – so you can recover enough of your losses to feel whole again. To do that, you will have to document everything you lost before you file a claim with your insurer to recover for property damage.

 

Before you make a homeowner’s insurance claim, it is also a good idea to track every conversation with the insurance company.  Take detailed notes on every action related to your claim and keep the notes in chronological order, starting with the time and date of the loss, the cause of the loss and what was damaged. Note the exact time and date of the loss, what happened, what was damaged and other relevant details. Every time you have an appointment with the adjusters, contractors and everyone else related to your loss, take lots of notes.

 

Just as important as keeping close track of every interaction you have with your insurance company, however, is making sure you can account for the damages you have suffered, including all details and anything that may have an effect on the overall value of your claim. You can’t expect an insurance company to simply write you a check based on your quick accounting; you need to make a case for every dollar of the loss you’re claiming.

 

Damage to the Dwelling/Structures on the Property

 

The first thing you should realize is, you must report any damage you plan to claim as soon as possible after you become aware of the damage. One of the most important aspects of any successful homeowner’s insurance claim is prompt notice. You should take pictures or video of the damage as soon as possible after the event, so as to document the damage. Be as thorough as possible. When you take the pictures, use natural lighting to the extent possible and take multiple photos from various angles. You should also keep a log of all damage you find as you find it, including the date and time and a detailed description of the damage and exactly where it was found, and whether or not you contacted someone at the insurance company.

 

Damage to Personal Property or the Dwelling’s Contents

 

Once again, if personal items like furniture, electronics, art, jewelry, carpets and rugs and the like were damaged, take numerous photos of each personal item and keep a log of all items that suffered damage. No matter what, however, do not discard any items. Instead, store them in a safe space, like a garage or a shed, or rent a storage locker. You have to keep the items available for the insurance company’s inspection. Take a complete inventory of all damaged items, including descriptions of each item and the extent of its damage, and assign a value to each one. Make sure the descriptions include the date of purchase, model number, brand, serial numbers and all warranties. Any receipts from the original purchase of the damaged item are always very helpful. If possible, photos of the items before the damage usually turn out to be very useful for the insurance company, so if you have those, include them, as well. They can be family photos showing you using the item; anything to show the items before the damage.

 

Account for Lost Rent or Additional Living Expenses

 

Suppose the damage to your home is extensive enough to require you to find temporary housing and make arrangements for meals. Keep a record of every expense in those cases, including hotel bills, meal receipts, cancelled checks, text messages and email conversations detailing the arrangements you had to make. Keep several copies of these documents and make sure at least one is filed with the insurance company as evidence of your claim. The same would apply if your property is a tenant property and the damage forces you to relocate some of your tenants. You can recover in either case, but you must provide every detail to the insurance company.

 

It is important to track every expense caused by the event that led to your loss, at least until the claim is closed and you have been compensated for your losses and damages.  Until everything has been resolved, you will never know when the insurance company will ask for proof of something. Tracking every loss is a difficult prospect, so consider hiring experts to come in and evaluate your losses. It may save you money in the long run.

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