Most homeowners do not know exactly what their insurance covers until the time comes to file a hurricane damage claim. These contracts with the insurance company are often complicated and hard to understand, and leave homeowners unsure what they can recover after a hurricane or other storm caused significant property damage.
We encourage homeowners to contact a hurricane property claim lawyer in Florida as soon as possible after a hurricane to ensure you receive the full payout you deserve.
At the Law Offices of Anidjar & Levine, we can review your insurance policy and offer advice on getting the coverage you need and deserve. We can help you dispute a denial or solve a disagreement, and recover the money you need to repair or rebuild your home.
Our team of attorneys will fight for the full value of your claim. Call us today at 800-747-3733 to get started.
For a free legal consultation with a property claim lawyer serving Florida, call (800) 747-3733
Compensation Available from a Hurricane Property Damages Claim
It is never easy to rebuild after the devastation of a hurricane. For many families, it feels like starting over with nothing. We strive to make this process easier for our clients by explaining their rights and aggressively advocating for you. We fight to get you the full compensation you deserve based on your insurance policy and your damages. In general, your insurance policy may cover:
- Repair or replacement of your home
- Repair or replacement of detached garages, sunrooms, out buildings, etc.
- Repair or replacement of fences, decks, pools, and other structures
- Replacement of the contents of your home
- The cost of a hotel or other arrangements while you are unable to live at home
- The removal of storm-related debris around your home
We can help you understand the true range of your expenses and losses related to your hurricane property damage. It is probably more than you realize, and your insurance company likely owes you more than it is offering.
Florida Property Claim Lawyer Near Me (800) 747-3733
The Complexities of the Florida Hurricane Property Claims Process
Most people take their homeowners’ insurance for granted until a hurricane strikes and they need to make a claim. Then, they all too often face an uphill battle to get the money they need to rebuild their home. They need money quickly, especially if the damage forces them to live somewhere else during repairs. However, the claims process can take weeks or even months to get them the money they deserve — if they get the full amount at all.
And in many cases, they find their homeowners’ insurance policy does not cover all types of damage that a hurricane might cause.
Understanding your homeowners’ insurance policy and your legal rights outlined in the policy is key to getting the payout you deserve. Of course, even then it can be difficult to get the insurance company to approve your claim and pay you the full amount of compensation due to you.
It is not unusual for an insurance company to attempt to pay out only a fraction of the money a policyholder needs and deserves. If you settle for this amount, you may be left paying for the rest of the repairs out of your own pocket.
If your insurance company attempted to undervalue your claim, deny your claim, or otherwise not pay you what you believe you deserve, we can help you understand your options. We may be able to appeal the denial, negotiate a better settlement, or file a bad faith lawsuit against the insurance company to recover the full payout. We will not allow the insurance company to mislead you or cheat you out of the coverage you paid for.
Know What to Do After a Hurricane to Protect Your Right to Compensation
By following a few best practices in the hours and days after a hurricane, you can help protect your right to full compensation. Try these tips:
Contact Your Insurance Company
You should let your insurance company know your home suffered damage as soon as possible following the hurricane. You do not have to file a claim immediately, but let your insurer know to expect one. It will likely offer advice on repairs and how long it may take to reach an adjuster. There could be a delay if the hurricane caused widespread damage.
Document Your Losses
Make notes of destroyed personal property, and take pictures of every piece of damaged material before you begin cleanup or repairs. Walk-through videos may also help you take inventory and observe the extent of the damage. Also take notes, writing down each item that suffered damage.
Prevent Further Damage
You should take action as soon as possible to prevent further damage to your home and possessions. The insurance company may try to deny expenses caused by weather or other factors after the initial storm. Be sure to use tarp to cover holes in the roof, board up broken windows, and take other efforts to prevent further damages as soon as possible.
Keep All Receipts
Keep the receipts from all your evacuation expenses, as well as any expenses incurred because you cannot stay in your home. This may include gas, hotel rooms, meals, and even clothing. If possible, make notes about each expenditure and file it with the receipts.
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Evidence to Support a Florida Hurricane Property Claim
When a storm destroys your home and you have very little left, it can be difficult to prove your losses that resulted from the storm. We can help you with this process, collecting any available evidence to show the value of your items, what you lost, and the cost to replace it. The evidence to support a hurricane property claim might include:
- A copy of your homeowners’ insurance policy
- A comprehensive list of damaged items
- Any estimates for repair or replacement of your home
- Receipts for out-of-pocket costs to replace damaged personal property
- Photographs or video of the property before and after the hurricane
- Receipts for temporary repair needs, such as tarps for a damaged roof or plywood for broken windows
- Receipts for any alternative living arrangements, such as hotel rooms
Areas Served by The Law Offices of Anidjar & Levine
Port St. Lucie
West Palm Beach
Contact a Hurricane Property Claim Lawyer in Florida Today
At the Law Offices of Anidjar & Levine, our team of attorneys, investigators, and support staff are not afraid to take on any insurance company if that is what it takes to get our clients the payouts they deserve. If your insurance company unfairly delayed, undervalued, or denied your claim after a Florida hurricane, we can help you get the compensation you deserve. Call 800-747-3733 for a free consultation.