Property Damage Insurance Claim Problems

Homeowners and Condo Owners:
Know Your Rights

Insurance Claim ProblemsHave you experienced property damage insurance claim problems after your insurance company invoked its “right to repair” your property and required the use of its “preferred” contractors? This is called MANAGED REPAIR and when an insurance company uses that option, you have certain rights, the most important of which is:

Under the law, you are not required to pay any deductible or out-of-pocket payment for the repairs to be completed.

Our firm’s experienced attorneys and investigators work on behalf of homeowners, condo owners, and condo associations to make sure that your rights were not violated.  Here are several recent cases where we helped to expose the problems of “managed repair” with local news media:

WPTV in West Palm: Homeowners concerned after Florida insurance companies manage repairs

WEAR TV in Pensacola: Homeowner blasts Right to Repair policy for insurance companies

WINK TV in Ft. Myers: Locked out of repairs: a clause that may impact your home insurance claim

WINK TV in Ft. Myers: Homeowner sues insurance company over alleged deceptive practices

WFTS TV in Tampa: More Managed Repair Problems: Policy Holders Describe Devastating Practice
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Below is a list of Florida property insurers that regularly invoke their “right to repair” residential property claims and also some of their “preferred” or affiliated repair contractors.

Insurance CompaniesPreferred Contractors
People's Trust Insurance CompanyRapid Response Team
Tower Hill Insurance Company, including:

Tower Hill Signature Insurance Company

Tower Hill Preferred Insurance Company

Tower Hill Prime Insurance Company

Tower Hill Select Insurance Company
CastleCare through Alacrity Services (a Lowe’s Company)

Rytech and others
Florida Peninsula Insurance CompanyManaged Repair Program

Contractor Connection
Heritage Property & Casualty Insurance CompanyPlatinum Prepared Savings Program

Contractor Connection and others
Prepared Insurance CompanyConcierge Claim Program

Our firm is investigating claims that these insurance companies and/or their repair companies violated Florida law when they invoked the “right to repair” and still made people pay out-of-pocket for deductibles, supplies, or other amounts for repairs to homes, condos, or condo common areas, which should have been covered.

What You Should Do If Managed Repair Causes You Insurance Claim Problems

Fill out the contact form below. Each submission is read by an attorney or investigator. We will contact you as soon as possible based on the information you give. If you’re a homeowner, condo owner, and/or condo association, then please share your story about what you experienced when the insurance company invoked the “right to repair” your property.