Evacuating during a hurricane can be very stressful. For some, it is just the beginning of a long and stressful period. When the storm is over, you may not know what you may be coming home to. Best case scenario, you only have minimal damage. Yet, depending on the strength of the storm, your home may be entirely uninhabitable.
If your home is destroyed in a hurricane, after ensuring your family’s safety, you need to contact your insurance company. Some Florida residents have hurricane insurance bundled into their homeowners’ insurance policy. Others have different types of coverage for various unpredictable events. How much you are entitled to under your insurance greatly depends on the details of your contract.
Following such a destructive weather event, many people contract legal assistance for help in dealing with the recovery process. While some insurance companies are diligent in upholding the fine print of their claimants’ policies, others enact bad faith practices designed to undervalue or deny you compensation altogether. Having a lawyer act as your advocate during this terrible time can work to have the benefits of your policy upheld, while also protecting you against unethical insurance practices.
For a free legal consultation, call (800) 747-3733
Keep Track of Your Losses
You may be able to start the cleanup process on your own. As you are cleaning, you will not want to throw anything away that has value, as this will be used to assess the extent of your losses. Try to put everything in a designated area to keep an accurate record of your losses. By holding on to these items, the insurance adjuster can review the physical extent of your damages.
If you must get rid of things, make sure that you document each item and take a picture of it to show the adjuster. These images will help you prove what you had in your home at the time of the hurricane.
Denied Insurance Claims
When your home is destroyed in a hurricane, you are likely dealing with a lot of stress. You may be wondering how you will be able to house your family or be concerned about lost items. One thing you should not have to worry about is fighting with your insurance company, especially if you have been paying monthly premiums for their services.
Unfortunately, there are times when hurricane insurance claims are denied. If your insurance claim is rejected, there is a chance that you can dispute the decision. By working with a lawyer, you can gain insight and resources while negotiating with your insurer. At the Law Offices of Anidjar & Levine, we can comb through the wording of your policy, present your claim to the insurance company, and advocate for your rights under the Homeowner Claims Bill of Rights. You have protections as a Florida resident in the wake of a natural disaster, and with us on your side, we can work to have them granted.
For a free, no-hassle case evaluation, call the Law Offices of Anidjar & Levine at 1-800-747-3733.