While Florida is blessed with more than its fair share of natural beauty, it is also the scene of disastrous hurricanes year after year, with the result that making a storm damage claim to an insurance company is a common occurrence.
Unfortunately, insurance companies do not always deal fairly with their policyholders. Their representatives look for ways to save the company money, which frequently means paying out as little as possible on claims. In the worst cases, these claims are denied outright.
As the largest property damage insurance claims law firm, the experts at Your Insurance Attorney can fight on your behalf to recover the compensation you may deserve if you experienced damage from a storm or hurricane.
HURRICANE DAMAGE CLAIMS
Statistics suggest that hurricanes cause the most expensive property damage in the United States. Home and business owners across the state have become accustomed to preparing for hurricanes and severe weather events. However, when a storm does strike, policyholders often find themselves in a far more complex, challenging, and time-consuming process than they envisioned. They thought their insurance company would be there for them. Instead, they get delays and excuses, as well as lowball offers that can’t begin to address the devastation they have experienced.
WHAT KIND OF DAMAGE IS AN INSURANCE POLICY SUPPOSED TO COVER?
Typically, a hurricane or similar insurance policy is supposed to cover losses such as:
- Roof Damage
- Water damage to floors, walls, and ceilings
- Windows and doors that are damaged by water and wind
- Water or wind damage to jewelry, clothes, electronics, furniture, and appliances
- Any damage sustained by aluminum porches or sheds on the property
- Damage caused by trees and their branches or shrubbery
- Debris removal
- Damage related to fires or explosions that are the result of a hurricane or other severe weather event
The sad reality is that many insurance company adjusters will look for excuses to pay an insufficient settlement or not pay anything at all, but we can help.
HOW CAN YOU PROTECT A CLAIM FOR HURRICANE DAMAGE?
Recovering from hurricane damage can be expensive. With damage coming from wind, water, flooding, tree branches, and more, it’s difficult to assess all of the losses.
You want to move the claims process along as quickly as possible, which may mean that you have to take specific steps. For instance, you will want to examine how you can mitigate the risk of additional losses.
Take a close look at your policy for information regarding how to file a claim, including any deadlines you must meet. This is critical because insurance companies may deny a claim based on its timeliness
CONTACT A HURRICANE DAMAGE CLAIMS LAWYER
Before you pick up the phone to call your insurance company, it’s wise to contact Your Insurance Attorney. We can help you throughout the claims process so that you can avoid many of the most common pitfalls that delay or derail other people’s claims.
Suppose your insurance company engages in certain bad faith practices. You may be entitled to compensation above and beyond the actual cost of the damages your property suffered from the storm.
Common bad faith practices in insurance include:
- Failing to conduct a proper investigation
- Making a misrepresentation about the statute of limitations
- Withholding information
- Failing to negotiate when there is a legitimate, open claim
- Declining to provide a written explanation of a claim denial
CONTACT YOUR INSURANCE ATTORNEY
Insurance company representatives may be polite, but they work for the insurer. We work only for you.
To demonstrate this commitment, Your Insurance Attorney doesn’t receive any compensation unless you do. Whether your hurricane or storm claim hasn’t been filed yet or you’re in the middle of the claims process, contact Your Insurance Attorney to fight on your behalf.