You may face devastating losses when a hurricane damages your Cutler Bay home. Your home and personal possessions may be destroyed, or you may face expensive property repairs.
You expect your insurance company will cover your losses under the terms of your contract. Unfortunately, some insurance companies try to get away with paying less or not paying at all. If this happens to you, work with a legal team that holds your insurance company responsible for paying what you deserve.
Contact a personal injury lawyer in Cutler Bay to review the details of your home or business insurance and help with your insurance claim.
How an Insurance Claims Lawyer Can Help With Your Cutler Bay Hurricane Damage Claim
The weeks after a hurricane can be disorienting. You may not be able to live in your home, and you may be facing catastrophic losses. Roads may not be clear, and you may have no idea when power will be restored.
This difficult time can be even more challenging when your insurance company refuses to pay or attempts to delay the process. Here is how our experienced attorneys can help with your hurricane claim property damage claim.
Review All Possible Coverage
You may have insurance policies covering damages, including standard homeowner’s or renter’s insurance, but you may also carry additional coverage for hurricane damage or flooding.
For example, according to the Insurance Information Institute (III), regular homeowners insurance does not cover many types of flooding; therefore, you would need a separate policy.
Our team will review all possible avenues for compensation, including replacement cost coverage, following hurricane damage. We will then gather information to support your claim.
File Proof Of Loss
If your insurer denies your claim, you must file proof of loss within a limited time of receiving notice of denial. This document provides evidence of your claim and helps us prove it later if necessary.
We will provide you with a copy of the proof of loss form, so you know exactly what to do.
Collect Evidence and Documents
After filing your proof of loss, we will begin gathering documents and other evidence to support your case. Our team will collect photos, receipts, invoices, estimates, letters from contractors, appraisals, and other relevant documentation.
Prepare an Expert Report
An expert report is a detailed analysis of the damage done by the storm. It explains why your claim should be paid and includes supporting documentation.
An expert report is required when your insurance company seeks to reduce or eliminate your claim. The report allows us to explain why your claim should be honored.
Negotiate a Settlement
Sometimes, we can settle your claim without going to court. In these cases, we negotiate a settlement on your behalf.
Settlements are usually based on your deductible amount and often include money for repair costs, lost wages, and other expenses related to the storm. However, they may vary depending on the severity of the damage.
In most cases, settlements are reached before trial.
Prove Your Case At Trial
At trial, we present your case to a jury. We use experts to testify about your property’s value and the damage caused by the storm.
A judge or jury decides whether you are entitled to compensation. If you win, you receive the full amount of your claim.
Fight Back Against Denial
Insurance companies often attempt to avoid paying claims by denying them outright or delaying payment. Our team has experience fighting back against these tactics.
We will fight on your behalf to ensure you receive fair compensation for your losses.
Protect Your Right to Compensation
Our team will ensure you meet all deadlines and provide the required proof to recover your losses. This will protect your right to recover the maximum compensation you deserve.
If the insurance company denies your property insurance claim or refuses to offer fair compensation, we will review the case and take steps to fight for what you deserve.
Our team takes over your claim so you can focus on healing and rebuilding your new normal. Call us for more information about how we can assist with your Cutler Bay hurricane property damage claim.
Covered Losses in Your Miami Beach-Area Hurricane Damage Claim
High winds and driving rain can cause devastating damage to homes and businesses. Rebuilding or repairing property can be an expensive and time-consuming process for property owners.
How much can you expect to recover from your insurance company? It depends upon the details of your coverage. Many policies cover the following types of damage after a hurricane:
Compensation to Repair or Rebuild Your Home
You may recover the cost of repairs minus your deductible. The insurance may cover water damage, mold damage, smoke damage, and wind damage to the structures on your property. This likely covers separate garages or workshops, debris clean up, and boarding up costs.
Compensation to Replace Personal Property
Your insurance policy may cover the cost of replacing personal property in your home. This may include furniture, bedding, toys, electronics, tools, clothing, toiletries, decorations, and other items.
You may not be able to recover the cost of expensive art or high-end jewelry unless your policy includes additional coverage.
Relocation and Temporary Housing Costs
If you cannot stay in your home while repairs are made, your policy may cover the cost of staying in a hotel or a short-term rental, meals, and incidentals.
Call to speak with a member of our team. We offer a free hurricane claim review to all Cutler Bay residents.
How the Insurance Companies May Try to Pay You Less
You do not need a lawyer to file a hurricane damage claim. However, some insurance companies try to avoid their obligations using underhand tactics. A lawyer can push back and protect your right to compensation if your insurance company tries to pay you less.
Tactics the insurance may employ include:
- Undervaluing your covered losses
- Claiming your policy expired when it did not
- Insisting your plan does not cover flood damage when the damage was caused by wind-driven rain
- Claiming you must pay a hurricane deductible without proper notification
- Delaying the process, which allows evidence to disappear
- Requiring you to sign a waiver absolving them of additional damages down the road
You deserve to recover losses under the terms of your insurance policy. If the insurance company tries to pay you less, we can help hold them accountable. Call for a free claim review.
Speak to a Hurricane Property Claim Lawyer in Cutler Bay
You have three years to file a claim for hurricane damage. Our team can help you navigate the claims process and recover the losses you need to rebuild your life. We have helped families after Hurricane Michael and Hurricane Irma, and we can help you too.
Call the Law Offices of Anidjar & Levine to discuss your hurricane damage claim.
We Can Help.