Right to Repair in Florida

Right to repair in Florida is an initiative that allows property owners to turn to their insurance company and claim for repairs once their property is damaged. A “Right to Repair” allows an insurance company to invoke the clause to repair your property instead of giving you the insurance proceeds to go about the repairs by yourself. This initiative means that the insurance company can decide to repair and hire their contractors to do the work. 

There is also the possibility that the repair may not be up to standard. Therefore, it is essential to work with your lawyer to look over your insurance policy to see whether there is a “Right to Repair” clause in the policy. In addition, they will help you determine how the clause works when you need repairs on a damaged property. Farmers will also be interested in the Illinois right to repair law.

What You Need to Know About Right to Repair

Review your Property Insurance Policy

You first need to know if the right to repair clause is in your policy. The only way your insurance provider will exercise the right to repair clause is if it is in your policy. That is why it is essential to review your insurance coverage to understand your rights and responsibilities.

You see, when your property breaks down, you need to know how your policy will take care of replacement costs or repairs. So, when you purchase your insurance policy, always ask if they will include the right to repair clause. Although the clause may be present, there are instances where you cannot use it. Work with your lawyer to understand how your policy will cater to your needs. Also, try and broaden your understanding by reading the right to repair laws by state.

An Insurance Company Can Take Over Your Repairs

With the “Right to Repair” clause in your cover, your insurer may legally repair your property. So, instead of you receiving the money for repairs, the insurer will repair or replace your property.

The Insurance Will be Your Guarantor When they Invoke the Clause 

When the “Right to Repair” is invoked, the insurance company will become your guarantor. If something goes wrong with the repairs, the insurer will be responsible for taking care of the issue. Most of the time, the burden is on the insurance company. Therefore, be careful not to allow the insurance company to tell you that the contractor is the guarantor because it is the insurer’s responsibility.

“Right to Repair” is Used as a Wild Card in Insurance Negotiations 

Insurance companies avoid the “Right to Repair” topic because it exposes them to more risk. However, some insurance companies use the “Right to Repair” to get clients to agree to an unfair offer. Never agree to anything contrary to what your policy dictates and what you rightly deserve. If your insurer threatens you with its “Right to Repair,” involve the services of a lawyer.

F.A.Q.S