At the Law Offices of Anidjar & Levine, we know how frustrating and overwhelming it can be when you are trying to get your property repaired and get back on your feet after a natural disaster. The last thing you want to deal with is the insurance company’s efforts to short-change you. If your home or business suffered damage in a Key Largo hurricane, you do not have to try to navigate this process on your own.
Our team can review your case for free. A Key Largo hurricane damage claims lawyer will document your losses, file your claim, and help you fight if an insurance company refuses to provide the coverage you deserve based on your policy. Call us today at 1-800-747-3733 for a no-cost evaluation. We will handle your claim on a contingency basis. You pay nothing out of pocket, and our attorneys do not get paid unless you do.
The Law Offices of Anidjar & Levine Can Help Key Largo Hurricane Victims
The Law Offices of Anidjar & Levine can help residents throughout Key Largo fight for the payout they deserve.
In October 2018, Key Largo took a significant hit from Hurricane Michael. The Category Four storm made landfall in Mexico Beach with sustained winds in excess of 155 miles per hour. During powerful hurricanes like Michael, Key Largo residents can expect damage that includes:
- Roof damage
- Downed power lines
- Trees falling on structures, cars, and fences
- Structural damage to buildings
- Broken windows and doors
- Damage to homes, businesses, garages, sheds, and fences
If this happens to you and your family, the Law Offices of Anidjar & Levine is here to help. We can file your claim and help you pursue the settlement or award you deserve based on your insurance policy. Call us at 1-800-747-3733 for a free evaluation of your case.
Let the Law Offices of Anidjar & Levine Handle Your Key Largo Hurricane Damage Claim
At the Law Offices of Anidjar & Levine, we know how hard it can be to juggle all the necessary tasks to get your life back to normal after a hurricane. The last thing you have time to do is fight the insurance company for a fair settlement. Let us take care of navigating the insurance claims process on your behalf.
When you enlist our help after your Key Largo, FL, property suffers damage in a hurricane or other storm, we will:
- Review your insurance policies and explain your coverages
- Document your storm-related damages and losses
- File your hurricane damage claim
- Negotiate with the insurance company, pursuing a fair settlement
If you already filed your claim and now the insurance company does not want to pay out the coverage owed to you based on your policy, we can step in and represent you in this fight. You can focus on making repairs while a Key Largo hurricane damage claims lawyer goes toe-to-toe with your insurer to pursue the payout you deserve.
Call the Law Offices of Anidjar & Levine today at 1-800-747-3733. We will review your case for free and manage your hurricane damage insurance claim at no cost to you. Let us get started right away.
Recoverable Damages in a Key Largo, FL Hurricane Damage Claim
In general, your homeowner’s insurance policy should provide coverage for much of the damage your home receives during a hurricane. Unless there is specific verbiage that excludes hurricane damage, you should be able to recover a payout if damage occurred because of:
- Downed trees
- Downed power lines
It is important to note that homeowner’s policies generally do not include flash floods or other flooding related to a storm surge. Flood insurance is available through the National Flood Insurance Program (NFIP), sometimes called NFIP insurance or FEMA insurance. If you carry this type of coverage, we can help you file those claims, as well.
What Homeowner’s Insurance Typically Covers
Some of the most common damages that your homeowner’s insurance will likely cover following a hurricane include:
- Roof repair or replacement
- Replacement of broken windows
- Repair of structural damage to buildings from wind or downed trees
- Garage, shed, or fence damage repair
- Siding damage replacement or repair
- Repair or replacement of doors and garage doors
- Remediating damage that occurs because of a leaking or missing roof
- Replacement of spoiled food following a long power outage
When we meet to discuss your case, our team will conduct an in-depth review of your insurance policy and its coverage. We can help you understand not only what your policy covers, but how your deductible works, as well.
In many cases, homeowner’s insurance providers charge a special deductible for hurricane damage. This may be a percentage of your property value instead of your normal flat-rate deductible.
How Insurers Calculate Your Damages
Another factor that can complicate a homeowner’s insurance claim is how your insurer chooses to calculate your damages. When choosing a policy, homeowners usually have two options: actual cash value and replacement cost value. Your choice of coverage can greatly affect the settlement you receive.
Actual Cash Value
Many homeowners opt for actual cash value policies because they typically lower their premiums. However, this policy may not provide as much coverage. Actual cash value policies pay for the real depreciated cost of your losses as if they were undamaged. This will usually end up being much less than what you originally paid for them.
For example, if your computer was damaged in a hurricane, the insurer will take a look at what it originally cost when you purchased it. Then, the adjuster will calculate how much the exact same computer may be worth today. For example, if it cost $1,500 back in 2015, it may now only be worth $500. Under this policy, a homeowner would have trouble affording a new computer at the current market rate.
Replacement Cost Value
While a policy including replacement cost value may be more expensive, it usually offers better coverage. Under this policy, an insurer pays for the replacement cost of your damaged property. Issues can still arise with this policy, though.
For example, if you need your roof replaced but you failed to make necessary repairs before the hurricane, an insurer may deny coverage for this damage. Similarly, if your house flooded partially because of a leaky roof that existed before the storm, an insurer can deny your claim.
Replacement cost value plans also come with damage caps. An insurer may only pay you 100% of the original cost of the damaged property. With the rate of inflation, you may still have to pay something out of pocket to replace your property. Sometimes, homeowners have to purchase additional coverage for more protection under a replacement cost value policy. For example, extended coverage may allow you to receive up to 150% of the original cost of the damaged property.
Our Attorneys Can Help When Insurers Undervalue Your Claim
Analyzing insurance policies can be difficult. They usually contain lengthy subclauses with complicated jargon. Instead of combing through pages of your policy, our legal team can handle the research.
We can take a look at your homeowner’s insurance policy and determine which method insurers should use to calculate your damages. From there, we can advocate on your behalf if they try to offer you less than what you deserve.
Talk to a Key Largo Hurricane Damage Claims Lawyer
If your Key Largo, Florida, property sustained damage in a hurricane, the team from the Law Offices of Anidjar & Levine can help. We can:
- Explain your insurance policy and coverages
- Evaluate and document your losses
- File your claim and navigate the claims process
- Negotiate with the insurance company
- Appeal a denial or low-ball offer
- Take legal action, if necessary, to recover the payout promised in your policy
Let a Key Largo hurricane damage claims lawyer review your case for free and take on your insurer at no out-of-pocket cost to you. We only get paid after we recover the compensation you need and deserve. Call us today at 1-800-747-3733 to learn more.
We Can Help.