What is Renter’s Insurance?
Renters, or tenants, take on a certain level of risk when they move into a new property. Typically speaking, these risks are not extended to the building, or unit itself, but rather to the renter’s belongings housed within.
More often than not, property owners will have protection against the structure and amenities of the building, and that means if a fire destroys the unit, or if a flood damages its floors, the unit itself will be covered. But what if that same fire, or flood, destroys everything inside; everything you, the tenant, owns? Without renter’s insurance, your belongings will not be covered under the property owner’s policy. The only way to ensure the protection of your material belongings as a tenant is to purchase renter’s insurance.
Renter’s Insurance Claims Denials
Negligence is often the primary cause for renter’s insurance claims denials. And to help you better understand what a negligent act entails in this instance, consider the following example. If you have renter’s insurance to protect your belongings in the event of a fire, but you, the tenant, caused the fire by falling asleep with a cigarette in your hands, that is deemed a negligent act, and it is unlikely that the insurance company will cover the loss of your personal property.
It is important to keep in mind that not all renter’s insurance denial claims are rooted in negligent acts. Sure, insurance companies may try to say that the fire in question was your fault (it is in their best financial interest to dispute claims in an effort to avoid a hefty payout), but if you know that the fault is not yours, then you need to fight the denial with the help of seasoned attorneys like those at Pacin Levine P.A.
Whether you are a tenant or a property owner, insurance is supposed to exist to protect you. Often times, however, the protection you expect is not the compensation you receive when a claim is filed, reviewed and otherwise acted upon. If your claim is being disputed for any reason, you have a choice. You can either accept what the insurance provider is telling you, or you can seek help from a team of seasoned litigators who care.
At Pacin Levine P.A., our clients are our family. We know how hard it can be to endure property damage, experience theft or suffer significant loss of personal goods. At Pacin Levine P.A., our team of attorneys has been working hard on behalf of South Florida tenants for years, and we will work diligently on your behalf to ensure that your renter’s insurance claim receives the time, attention, and care it deserves.
Why Choose Pacin Levine?
1. Free, No Obligation Case Evaluations
Truly understanding the merits of your case, your legal rights, and the options that you have is important. With the attorneys at Pacin Levine, our free, no obligation case consultations give you an opportunity to discuss your case with a legal professional and to hear how we can help you.
2. Our Attorneys
Pacin Levine handles a variety of accident, personal injury, wrongful death and product liability cases. Whether you or a loved one have been involved in an accident, attacked by a dog or another animal, involved in workplace accident, injured in a mass transportation incident, or any number of other types of accidents: boat; bus; plane; train; slip and fall; bicycle; truck; motorcycle; defective product or wrongful death; we are here to help.
3. Awards & Accolades
The Florida legal industry has recognized the outstanding and consistent work of the Pacin Levine law firm, awarding a number of honors and accolades. While thankful for the recognition we have received, our team is most proud of the incredible verdicts and settlements that we have been able to achieve for our clients.
4. Care and Sincerity
We understand that the journey following an accident and/or injury can be overwhelming. We are compassionate to the challenges that you are confronted with and are here to walk with you through this difficult time. We are in your corner with integrity and compassion to help you navigate dealings with insurance companies, hospitals, doctors, repair shops and the legal system, so that you can focus on your recovery.