You buy homeowner’s insurance to give peace of mind that your home will be protected in case of an emergency or disaster, but when your insurance company denies your claim following a disaster like a hurricane you might be left confused and in financial stress.
If your insurance provider is giving you the runaround on your claim or has outright denied your claim, you do not have to accept their decision as final. Rather, you should bring your case to a hurricane property claim lawyer in Coral Gables from the Law Offices of Anidjar & Levine. We can help you fight the insurance companies for the compensation you deserve. Call us today at 1-800-747-3733.
The Common Damages Covered By Insurance Companies
While insurance policies vary in what they cover, most homeowner’s insurance coverage in the State of Florida includes protections for some, if not all, of the following damages:
- Repair or replacement of the home and its contents.
- Repair or replacement of adjacent structures, such as garages or sheds.
- Repair or replacement of amenities like pools or patios.
- Coverage of expenses while your home is being repaired or your property is being cleared of debris.
The challenge for many, however, is that it can be difficult to differentiate the source of this damage. Often, in the case of hurricane property claims, there is a consideration of wind damage versus flood damage. Wind damage is commonly covered in many homeowner’s insurance policies. But for many, any flood protection comes from a separate policy designed to supplement a homeowner’s insurance policy.
What this means is that you need to examine all of the intricate language included in your homeowner’s insurance policy to be able to understand how you are covered in the case of a hurricane property claim. It also means that insurance companies will often seek ways to sidestep claims.
Denied Insurance Claims Explained
The aftermath of a hurricane can result in a massive swath of the population left devastated who will turn to their insurance company to seek the resources to reassemble their lives, especially in a state so prone to hurricanes. Given this sudden swell of claims, insurance companies often deny or limit payouts to safeguard themselves.
Their reasons for claim denial can vary. They might, for instance, claim that:
- The damage for which you filed the claim came from a source other than the hurricane.
- You are not covered for the damage claimed.
- Your policy did not cover the damages you reported.
- You filed a claim for damages over the amount for which you were covered in your policy.
While such reasons might seem impossible to overcome, it is important to know that you can challenge their denial. If you have struggled to determine the precise nature of your insurance coverage or if you believe that the insurance company has wrongly denied your claim, contact a hurricane property claim lawyer in Coral Gables to start your fight for justice.
Our team wants to help you get the settlement and the compensation you deserve. Contact us at 1-800-747-3733 for a free case evaluation.
We Build Your Case Through Exceptional Evidence Collecting
At the Law Offices of Anidjar & Levine, we believe a strong case begins with the right evidence, and a hurricane property claims case is no different. We have worked with scores of clients across South Florida who have suffered the struggles of rebuilding after a hurricane. Our legal team knows that the best way to make the case for your best compensation is to reinforce our position with strong evidence that might include:
- The language of your homeowner’s policy.
- Your documented losses/damages.
- Receipts for out-of-pocket repairs or invoices for living expenses while displaced.
- Supplementary evidence such as contractor statements or videos or photographs of the damage.
We will collect such evidence so that we can resubmit your case to your insurance provider and negotiate a settlement that comes closer to your needs and expectations. We are confident in our abilities that, if these negotiations fall apart, we will not hesitate to pursue a lawsuit.
Time Is Limited to Contact Your Hurricane Property Claim Lawyer in Coral Gables
While we work to navigate the nuances of your insurance coverage and begin a negotiation with your provider, it is important that you also keep in mind that the State of Florida has placed a three-year statute of limitations on claims against insurance companies following such hurricane property claim disputes.
Our team of hurricane property claim attorneys at the Law Offices of Anidjar & Levine can work quickly to file whatever paperwork is necessary to begin the fight for your compensation.
Do not wait, though, until the last minute to contact us. We can assess your case, discuss your options, and can start working toward getting your life back on track with adequate compensation for your hurricane losses. We are ready to help. Call the Law Offices of Anidjar & Levine today for your free case review at 1-800-747-3733.