F.A.Q

At Cudlipp & Cudlipp, P.A. we believe all property owners should be well informed and prepared for when their property suffers a covered loss. Below are common questions property owners have regarding property insurance claims and processes. Feel free to send us an email to admin@cudlipplaw.net, should you need assistance.

• Attorneys or Public Adjuster?
  Effectively, we are “private” adjusters with the bite of a law firm to back up our bark. While public adjusters are limited in their authority to go much beyond the initial claim, law firms and lawyers like us are licensed to help you get all your rights due to you under your insurance contract and/or policy from the beginning to the end.

• What we believe you should know: Public adjusters (PA’s) are not attorneys. Although very knowledgeable as to the process of a claim, they are not licensed to practice law and accordingly, they are not qualified nor permitted to do so, limiting what they can do for you should you need to proceed legally against your insurance company to collect for your loss.

• When should I call Cudlipp & Cudlipp, P.A.?
  The instant you have secured the safety of your family and your property, call us or send us an email. We offer free inspections and claim reviews, with no obligations; so you have nothing to lose. The sooner we provide you support documenting and preparing your claim, the more beneficial it is for all parties involved. We have a reputation within the insurance industry and even though insurance carriers are prone to delaying and then denying most claims, they tend to be more responsive to professionals, such as ourselves. We bark and bite for your insurance rights!

• How do I know if I need your services?
  Every situation and claim is unique, to find out how we can help your specific situation call or send us an email to admin@cudlipplaw.net. A qualified member of our staff will be happy to help.

• What do I do after a loss?
  Protect the Property – The most important thing to do after a property loss is make temporary repairs to prevent further damage. Your carrier may cause delays or deny coverage to your property if no reasonable steps to secure the property from subsequent damage is made. You will be able to recover all reasonable costs to protect your property as long as you save receipts for any materials you buy. Payments for temporary repairs are part of the total loss settlement. Remember NOT to make extensive permanent repairs until after the carrier’s claims adjuster has been to your home and inspected the damage.

Contact us or contact your carrier – One thing is clear: the loss should be reported. We encourage you to contact us first, after making temporary repairs of course, so we may properly document and report your claim. But if you’ve decided to report the claim directly to your insurance carrier, and you’re not sure what to do next, don’t delay send us an email to admin@cudlipplaw.net, or call us at (305) 759-7704.

In most cases, we can get you results at no cost you.*

*The Florida Statutes provide for you, the insured, to have attorney’s fees paid by the insurance company when an attorney is needed.

• What if I don’t know what a loss is?
  The following are some of the types of loss that all likely to be eligible for compensation from your insurance company:

• Fire
• Floods
• Roof Leaks
• Toxic Mold
• Vandalism
• Plumbing
• Tile Damage
• What if my claim has been denied or closed by my carrier?
  NO PROBLEM! Many claims can be re-opened when you have not been paid in full for your losses.