In Homestead, like the rest of Florida, we are no strangers to hurricanes and the damage that can result. When the high winds and rain from a hurricane causes damage to your home, you expect your insurance company to pay for your losses.
After all, you paid your premiums on time for years, yet now that you are in a position to use your coverage, you face a daunting process. The truth is, insurance companies are looking out for their bottom line, not the best interests of your family. We might have to file a bad faith lawsuit if it means receiving the full payout you deserve. A hurricane property claim lawyer in Homestead will fight on your behalf.
Common Property Damage Caused by Hurricanes
Major hurricanes have winds in excess of 110 miles per hour. However, even relatively low wind speeds of 90 miles per hour can topple trees, cause roof damage, and rip siding from your home.
Common types of property damage you might experience after a hurricane passes may include:
- Damaged or sheared off roof
- Broken windows
- Torn or missing siding
- Damaged walls
- Damage from fallen trees or branches
- Water damage caused by wind-driven rain
- Mold and mildew
- Power outages
- Debris in your yard
- Missing or damaged fencing
Nothing quite prepares you for the destruction hurricanes can cause. After the storm has passed, the recovery period begins. For many Homestead residents, this is an incredibly challenging process. We can help.
Damages You May Recover After a Homestead Hurricane
The losses you experience after a hurricane are, in most cases, covered by your property insurance policy. However, each policy is different. For example, some may require you to pay an additional hurricane deductible or may cap your losses at a certain amount.
To understand the details of your coverage, we highly recommend consulting with a hurricane property claim lawyer in Homestead who can review your case and advise you on your next steps.
In most cases, you can expect to recover the following losses:
Cost to Repair or Replace Your Home
You may recover the expenses to fix broken windows or walls, replace your roof, and repair any other damage caused by the hurricane. You may also recover compensation to repair or rebuild smaller buildings, such as a guest house or workshop.
Personal Property Losses
In addition to the physical structure of your house, you may recover the cost to replace items in the home, including furniture, clothing, toiletries, electronics, toys, bedding, and appliances.
If you are unable to return to your home for a period of time, your insurance may cover the cost of a hotel or a short-term rental. Other related expenses, such as meals, may also be included.
Other Out-of-Pocket Expenses
You may also claim other out-of-pocket expenses, such as food, toiletries, and other necessities you purchased as a result of your home’s damage.
For a clear picture of the amount of damages you may be eligible for, contact a hurricane property claim lawyer in Homestead for a free consultation at 1-800-747-3733.
How Our Firm Can Help with Your Homestead Hurricane Damage Claim
The hurricane has passed, but now your family faces an uncertain future. Our firm is here to protect your interests and ensure your insurance company does their part.
Here is how we help with your Homestead hurricane damage claim:
- Review your coverage to determine what losses are covered.
- Look for additional policies that may cover other losses.
- Collect evidence to support your claim.
- Calculate your total losses.
- File the claim with your insurance company.
- Push for a quick resolution of your claim.
- Appeal a denial of your claim, if necessary.
- Negotiate for a fair settlement.
- Take your claim to court, if required.
- Protect your rights by ensuring you meet all deadlines.
- Keep you updated throughout the process and answer any questions.
The weeks after a hurricane passes can be traumatic. Our goal is to make the process as painless as possible so you can focus on getting your life back. For help with your Homestead hurricane damage claim, call us today at 1-800-747-3733. We offer all Homestead residents a free claim evaluation.
Statute of Limitations for Florida Hurricane Damage Claims
The state of Florida limits the amount of time Homestead residents have to pursue a claim following hurricane damage. In most cases, residents have three years from the date of the storm to file a court case related to their hurricane losses.
While you may be able to file a claim after this time, in most situations you will be barred from recovering damages after this period has ended. Do not delay, consult with a hurricane property claim lawyer in Homestead today to begin the claims process.
Contact a Hurricane Property Claim Lawyer in Homestead Today
Hurricanes can cause severe damage to your property. When this occurs, you expect your Homestead insurance company will cover your losses.
Unfortunately, sometimes they are more concerned with protecting their bottom line than doing what is right. We can help you recover the compensation you are entitled to through the terms of your insurance policy.
If a hurricane or windstorm damaged your Homestead property, you may be eligible to recover your losses through your property insurance policy. If you need assistance filing a claim or appealing a denial, we can help. Call now at 1-800-747-3733.