Morgan Law Group
Miami, Florida

Windstorms and hurricanes can be absolutely devastating, and the process of submitting an insurance claim after the storm can take a further toll.

If your insurance company has denied your claim for property damage following a hurricane or windstorm, you are not alone. Insurance companies often deny or lower damage claims based on hurricane or windstorm damage.

The insurance company may claim that the damage existed prior to the hurricane or windstorm, or was caused by water instead of wind, or was caused by long-term neglect.

Assistance From Attorneys Experienced in Handling Insurance Claims Following Hurricanes and Windstorms

The professional law firm of Morgan Law Group, located in South Miami, Florida, is one of only a small handful of law firms in South Florida with a legal practice focusing on bad faith insurance claims, especially those relating to damage claims after windstorms and hurricanes.

We provide knowledgeable and aggressive advocacy on your behalf with your insurance company, no matter what stage of the dispute you find yourself in. We represent homeowners, business property owners, and condominium associations.

We handle insurance claim cases on a contingency fee basis. This means that we do not accept attorneys’ fees up front, nor do we require our clients to pay in advance for the teams of experts that are often required in hurricane and windstorm damage cases. We do not accept payment unless and until you receive a check from the insurance company.

Is an Appraisal in Your Best Interest?

If you disagree with your insurance company about the amount offered in settlement of your damage claim following a hurricane or windstorm, you have the legal right to get an appraisal of the damage. You should, however, seek legal advice about your claim before choosing to participate in appraisal.

If you choose appraisal, you lose your right to a jury trial in a lawsuit against your insurance company to determine the amount of damages to your property, and you agree to abide by an umpire’s ruling. In some cases, an appraisal may be the best option, but talk to an experienced lawyer before making the decision.

Contact Our Office Today

If you are seeking legal advice regarding a property damage claim after a windstorm or hurricane, we invite you to contact our office to schedule a free and confidential appointment. Call us at 305-569-9900. Or, send us an e-mail for a prompt response.

Experienced Insurance Bad Faith Attorneys
Miami, Florida

As homeowners, we pay our insurance premiums in good faith, trusting that our insurance company will hold up its end of the contract in the event that our homes are damaged or destroyed.

Too often, however, homeowners find themselves embroiled in fierce conflict with their insurance companies when they submit a claim for property damage under their homeowners’ insurance policies. The insurance company may claim that the damage is pre-existing, or is not covered under the specific terms of the residential property policy. If the insurance company offers any money at all to settle your homeowners’ claim, it may seem insufficient.

The South Miami law firm of Morgan Law Group, has fought homeowners’ insurance companies on behalf of our homeowner clients for more than 15 years. Our lawyers help you seek timely and accurate settlements of damage claims, whether the damage is the result of hurricane, fire, water, mold or any other cause.

If Your Home Has Been Damaged, You Need a Quick Result

We litigate homeowners’ insurance claim cases aggressively and quickly, setting them for trial as soon as possible. If your family has had to relocate out of the home due to the damage, we are always sure to include your family’s living expenses in the insurance demand.

You will not be dropped from your homeowners’ insurance policy if you dispute the amount your insurance company offers to settle your claim.

Contingency Fees, Free Consultations and On-Site Visits

We litigate homeowners’ insurance claims on a contingency fee basis only. This means that we accept no attorneys’ fees up front, neither do we ask you to put up the cost of any experts we need to build a strong case on your behalf. We do not get reimbursed for our time or expenses unless and until you receive a settlement of your homeowners’ insurance claim.

The contingency fee structure means that our attorneys are your partners; we present a united front on your behalf against the insurance company.

Contact Our Office Today

If you are seeking legal advice regarding your homeowners’ insurance dispute, we invite you to contact our office to schedule a free and confidential appointment. Call us at 305-569-9900. Or, send us an e-mail for a prompt response.

South Miami, Florida: Personal Injury Attorneys

Serious Injuries, Wrongful Death, Uninsured Motorist Claims

The professional law firm of The Morgan Law Group, is a boutique practice representing victims and families of accidents resulting in serious personal injury. In those unfortunate circumstances were the accident results in fatality, our firm can assist on behalf of the family members in seeking a claim for wrongful death against the wrongful party.

In a very important sense, personal injury lawsuits are controlled by the insurance companies whose policies cover the people involved in the accident. Without insurance, most personal injury victims would recover very little compensation to reimburse them for medical bills, lost wages and pain and suffering.

Our law firm has established a successful practice representing individuals and business owners against insurance companies, and we bring our knowledge to bear when we take on personal injury cases.

Uninsured Motorist Claims

Our personal injury practice has dealt extensively with automobile accidents, which means that our lawyers have substantial experience handling uninsured or under-insured motorist claims.  The majority of drivers throughout Florida, and especially within the South Florida area, do not carry the necessary or adequate insurance that will provide you with compensation when they are at fault.

If you are in an accident with an uninsured driver, your own uninsured motorist insurance coverage may provide compensation for some or all of your injuries. However, like many insurance claims, you may find that your insurance company is only willing to offer a low settlement amount or deny the claim altogether.

If your insurance company has denied or minimized your claim for uninsured motorist benefits, an experienced insurance claims attorney can build a strong case on your behalf and force your insurance company to take another look at your claim.

Legal Representation in Personal Injury Cases
Contact Our Office Today

Our law firm handles personal injury cases on a contingency fee basis. This means that we do not accept attorneys’ fees up front, nor do we require our clients to pay in advance for any experts that may be required.  We do not accept payment unless and until you receive compensation.

If you are seeking legal advice following an injury accident, we invite you to contact our office to schedule a free and confidential appointment. Call us at 305-569-9900. Or, send us an e-mail for a prompt response.

An insurance policy is a contract between the insurance company and the insured. Both parties are bound to the terms of the contract and must act in good faith. If a legitimate claim is filed but denied by the insurance company, then the insurance company has violated the terms of the contract and acted in bad faith.

The insurance policyholder can file a legal claim against the company for the damages that should have been paid and may be able to collect additional expenses that arise out of suing the insurance company. Such a legal action is often called an “insurance bad faith lawsuit.”

The lawyers at Morgan Law Group, have substantial knowledge of insurance bad faith lawsuits and wrongful denial of insurance claims. For more than 35 years, our law firm has focused on insurance law, and for the past 15 years we have limited our practice to representing insurance policyholders rather than the insurance companies.

Our clients include individual homeowners, businesses and condominium associations. All of our clients have suffered property damage or total property loss and have been denied just compensation from their insurance company.

When To Consult an Attorney About Insurance Bad Faith

There are several stages of the insurance claim process at which you should consider consulting an attorney:

• The insurance adjuster informs you that the loss will not be covered under your policy
• After a series of communications between you and your insurance company, the insurance company still refuses to pay, or offers a payment amount that is significantly lower than the value of the damage
• The insurance company suggests that you use an appraisal service to determine how much you should be reimbursed — it is very important to consult an attorney before going to appraisal, because you may give up your right to a jury trial

No matter where you are in the insurance claim process, we can step in and take over negotiations. In addition to using our own legal knowledge to interpret your insurance policy, we work with a variety of experts to build a strong argument on your behalf. Depending on the case, we may call in weather experts, insurance policy language experts, damage assessment experts, professional business evaluators, or land surveyors.

Contact Our Office Today

If you are involved in a dispute with your insurance company over a claim you have already submitted, or if you have suffered a loss that you believe will be difficult to prove, we invite you to contact us to schedule a free and confidential appointment with one of our lawyers.

Call us at 305-569-9900. Or, send us an e-mail for a prompt response.