If a hurricane causes damage to your Dania Beach home or property, you expect your insurance company to cover your losses under the terms of your insurance policy. In some cases, the insurance company may put their bottom line ahead of doing what is right.
You paid for insurance coverage, and your insurance company is legally obligated to meet the terms of that coverage. If they wrongfully deny your claim or try to undervalue your damages, our team can help.
A hurricane property claim lawyer in Dania Beach from the Law Offices of Anidjar & Levine can review your coverage and help you pursue the compensation you deserve after a hurricane. Call 1-800-747-3733 to discuss your claim and get legal help.
Damages You May Recover in Your Dania Beach Hurricane Damage Claim
The amount of hurricane damages you are eligible to recover may vary based on the type of coverage you have and whether you have additional coverage for damage such as flooding or items such as expensive art or high-value jewelry. There is no way to make an accurate estimate of the amount you may recover without reviewing the specific details of your situation.
While your coverage may vary, many policies cover the following types of hurricane damage:
Structural Damage Repair
You may recover the cost to repair or rebuild your home as well as other structures on your property that were damaged in the hurricane. For example, your policy may cover a separate garage, barn, patio, or outdoor kitchen.
Personal Property Replacement
Many Dania Beach insurance companies will also cover the cost to replace personal property lost as a result of hurricane damage. This coverage may pay to replace items such as your furniture, clothing, appliances, electronics, toys, and bedding.
Clean Up Costs
You may also recover the cost of cleaning up your property after a hurricane. Many insurance policies will cover debris clean up, tree removal, and other clean-up costs. If a tree from your neighbor’s property causes damage, we may be able to pursue their insurance company for clean-up costs as well.
Securing Your Property
After the hurricane passes, the damage may leave your home exposed to the elements. For example, broken windows or a missing roof may leave your home susceptible to additional damage from rain or pests.
Depending on the details of your coverage, your insurance policy may cover the cost of a hotel stay, rent, and transportation costs if you are displaced from your home due to the hurricane damage.
Keep in mind that your policy may cover more or less, depending on the details of your coverage. A hurricane property claim lawyer in Dania Beach can review your policy and help you understand the damages you are entitled to.
What You Need to Know Before You File a Dania Beach Hurricane Damage Claim
The claims process may seem overwhelming. Your policy may be filled with legal jargon that is difficult to understand. Before filing a claim on your own, there are several things you need to know about the process.
The Insurance Company Is Not on Your Side
The insurance company is a business, and they may take steps to decrease their financial obligation to you in an effort to protect their profits. For example, they may outright deny your claim, or they may say you have to pay an additional deductible not listed in your policy. You may want a legal advocate who is on your side to help protect your legal rights.
You Might Have an Additional Deductible
In some situations, you may have to pay an additional hurricane damage deductible. This requirement must be clearly stated in your policy paperwork and must meet specific requirements as outlined in Florida Statute 627.701.
Your Homeowner’s Insurance May Not Cover Flood Damage
Most traditional homeowner’s insurance policies do not cover damage caused by flood waters. Often, they do cover damage caused by wind-driven rain. However, flooding is a common concern after a hurricane. You may have an additional policy that does cover flood damage.
For a better understanding of the damages, your insurance policy may cover, speak with a hurricane property claim lawyer in Dania Beach. We can review your claim and recommend your next step.
Understanding Florida’s Statute of Limitations for Hurricane Damage Claims
You have three years from the date of the hurricane to file a hurricane property damage claim with your insurance company. This limit applies to all claims, including supplemental claims or reopened claims.
If you do not discover the hurricane damage and file a claim during this period, you may be unable to recover damages.
Contact a Hurricane Property Claim Lawyer in Dania Beach Today
At the Law Offices of Anidjar & Levine, our team understands how devastating hurricane damage can be. You and your family do not have to face the claims process on your own.
Our team is here to offer compassionate legal guidance and protect your right to compensation under your insurance policy. Let us take over the claims process and fight the insurance company on your behalf. We understand how insurance companies work and are not afraid to face off in a courtroom, should it be necessary.
If your Dania Beach home sustained hurricane damages, we can help. Call the Law Offices of Anidjar & Levine at 1-800-747-3733 for a free review of your hurricane damage case.