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Important rights that you possess as a policyholder.
You have the right to choose your own contractor, attorney, or representative during the claims process unless you forfeit that right when you buy your insurance policy. Some insurance contracts have clauses that give the insurance company the right to choose which contractors repair your property damage. They call these vendors "preferred" contractors. Often, these "preferred" contractors make minimal repairs, and do not repair your home with the same quality of workmanship originally offered in your property before your loss. Avoid buying insurance from these companies. (Reference: Section 627.7016, Florida Statutes)
In the State of Florida, there are laws that protect consumers against being trapped in expensive agreements by giving them a "cooling off" period before they are legally obligated to certain contracts. You have 72 business hours (3 business days) to cancel an agreement between you and your contractors or representatives without penalty or obligation. This rule applies to services that are to be completed in the future. It also applies to services that where offered to you by soliciting you at your home or away from the main location of the business. Cancelling a contract before the expiration of this cooling off period is best done in writing or by email. *Certain contractors are exempted from this rule*
Public Adjusters can not charge you more than 20% of the money received in settlement from the insurance company.
You have the right to know the qualifications, permits, and licenses of the attorneys, representatives, and contractors working on your case.
You have the right to know how much you are going to be charged for a service.
You can cancel your insurance policy at any time, for any reason!
The insurance company have to pay or deny your initial claims request within 90 days. Insurance companies must also affirm or deny coverage of claims, the dollar amount or extent of coverage, or to provide a written statement that the claim is being investigated, upon the written request of the insured within 30 days after proof-of-loss statements (Reference: Section 627.70131, Florida Statutes)
The appraisal process is a dispute resolution tool, however, you have the right to bring a suit against the insurance company without going through the appraisal or mediation process.
Common claim issues
Denials
If your insurance company fails to pay you the full cost of repairing your property after you suffer a loss, call RORX. We can help. A denial is not the end of the claims process. As a policyholder you have rights! At RORX, we work with a team of specialist who are waiting to fight on your behalf to make sure that you recover the maximum settlement for any property damage that is covered by your policy.
Bad Faith
F.S. Section 624.155, provides, in part, that “[a]ny person may bring a civil action against an insurer when such person is damaged [by an insurer] not attempting in good faith to settle claims when, under all the circumstances, it could and should have done so, had it acted fairly and honestly toward its insured and with due regard for her or his interests . . .”.
Mold and Fungus
Due to Florida’s humid climate, mold is a common problem for Florida’s residential property and business property owners. Mold is a fungus that grows best in areas with more moisture, such as the bathroom, and can develop as a result of a leaking roof, flooding or a pipe burst.
In some cases, mold can cause adverse health effects such as coughing, difficulty breathing, nasal congestion, eye irritation, headaches and fever. It can also aggravate existing conditions such as asthma and allergies. People with low immune systems, such as children and the elderly, are especially at risk. Some types of mold are toxic and especially harmful to the health, such as stachybotrys (commonly known as “black mold”). Black mold produces a type of toxin called mycotoxin, which, if inhaled for an extended period of time, can even cause death.
If you find mold damage in your home or business property as a result of a leaking roof, flooding or a pipe burst, you may be able to get compensation from the insurance company for the costs of cleaning the mold and replacing any damaged property. You may also receive compensation for yourself or another occupant for any adverse health effects that was caused by the presence of the mold.
Flood Insurance
The National Flood Insurance Program (NFIP) is a federal insurance program that offers flood insurance and is administered by the Federal Emergency Management Agency (FEMA). Although it is a federal government program, the insurance is actually purchased and serviced through private insurance companies and agents. Because the service is typically provided through private insurers, claims against the federal government may be limited if a problem arises under one of these flood programs.
You have the right to choose your own contractor, attorney, or representative during the claims process unless you forfeit that right when you buy your insurance policy. Some insurance contracts have clauses that give the insurance company the right to choose which contractors repair your property damage. They call these vendors "preferred" contractors. Often, these "preferred" contractors make minimal repairs, and do not repair your home with the same quality of workmanship originally offered in your property before your loss. Avoid buying insurance from these companies. (Reference: Section 627.7016, Florida Statutes)
In the State of Florida, there are laws that protect consumers against being trapped in expensive agreements by giving them a "cooling off" period before they are legally obligated to certain contracts. You have 72 business hours (3 business days) to cancel an agreement between you and your contractors or representatives without penalty or obligation. This rule applies to services that are to be completed in the future. It also applies to services that where offered to you by soliciting you at your home or away from the main location of the business. Cancelling a contract before the expiration of this cooling off period is best done in writing or by email. *Certain contractors are exempted from this rule*
Public Adjusters can not charge you more than 20% of the money received in settlement from the insurance company.
You have the right to know the qualifications, permits, and licenses of the attorneys, representatives, and contractors working on your case.
You have the right to know how much you are going to be charged for a service.
You can cancel your insurance policy at any time, for any reason!
The insurance company have to pay or deny your initial claims request within 90 days. Insurance companies must also affirm or deny coverage of claims, the dollar amount or extent of coverage, or to provide a written statement that the claim is being investigated, upon the written request of the insured within 30 days after proof-of-loss statements (Reference: Section 627.70131, Florida Statutes)
The appraisal process is a dispute resolution tool, however, you have the right to bring a suit against the insurance company without going through the appraisal or mediation process.
Common claim issues
Denials
If your insurance company fails to pay you the full cost of repairing your property after you suffer a loss, call RORX. We can help. A denial is not the end of the claims process. As a policyholder you have rights! At RORX, we work with a team of specialist who are waiting to fight on your behalf to make sure that you recover the maximum settlement for any property damage that is covered by your policy.
Bad Faith
F.S. Section 624.155, provides, in part, that “[a]ny person may bring a civil action against an insurer when such person is damaged [by an insurer] not attempting in good faith to settle claims when, under all the circumstances, it could and should have done so, had it acted fairly and honestly toward its insured and with due regard for her or his interests . . .”.
Mold and Fungus
Due to Florida’s humid climate, mold is a common problem for Florida’s residential property and business property owners. Mold is a fungus that grows best in areas with more moisture, such as the bathroom, and can develop as a result of a leaking roof, flooding or a pipe burst.
In some cases, mold can cause adverse health effects such as coughing, difficulty breathing, nasal congestion, eye irritation, headaches and fever. It can also aggravate existing conditions such as asthma and allergies. People with low immune systems, such as children and the elderly, are especially at risk. Some types of mold are toxic and especially harmful to the health, such as stachybotrys (commonly known as “black mold”). Black mold produces a type of toxin called mycotoxin, which, if inhaled for an extended period of time, can even cause death.
If you find mold damage in your home or business property as a result of a leaking roof, flooding or a pipe burst, you may be able to get compensation from the insurance company for the costs of cleaning the mold and replacing any damaged property. You may also receive compensation for yourself or another occupant for any adverse health effects that was caused by the presence of the mold.
Flood Insurance
The National Flood Insurance Program (NFIP) is a federal insurance program that offers flood insurance and is administered by the Federal Emergency Management Agency (FEMA). Although it is a federal government program, the insurance is actually purchased and serviced through private insurance companies and agents. Because the service is typically provided through private insurers, claims against the federal government may be limited if a problem arises under one of these flood programs.
