If your property was damaged in a recent Miami Lakes hurricane, you may be unsure of what your legal options are to recover damages. In most cases, your property insurance will cover your losses. However, filing a claim can feel overwhelming, and sometimes the insurance companies try to pay you less than you are entitled to.
The Law Offices of Anidjar & Levine can help. Our team of hurricane property claim lawyers in Miami Lakes understands how the insurance companies operate and are here to guide you through the entire process. Call 1-800-747-3733 to speak with a team member.
Typical Damage Caused by Hurricanes in Miami Lakes
A hurricane’s power is measured based on the speed of its winds. Even a minor hurricane can bring winds over 100 miles an hour. At this speed, your property may sustain significant damage. The damage you may sustain will depend on the category of the hurricane, the type of property you live in, and whether there are trees near your home. The most common types of damages you can expect after a hurricane include:
- Broken windows
- Damaged roofs
- Missing roofs
- Fallen trees
- Destruction of mobile homes
- Mold and mildew damage
- Damage to walls
- Flooded or wind-blown cars
If you experienced property damage to your home after a Miami Lakes hurricane, you have the right to recover damages through your property insurance policy. How much can you expect to recover?
Damages You May Recover in Your Miami Lakes Hurricane Damage Claim
The amount of damages you recover after a Miami Lakes hurricane will vary based on several factors. For example, your insurance may not cover flood damage, which means those losses fall to you. In some cases, your insurance may have a deductible which requires you to pay a portion of the overall damages.
Most insurance companies cover the following losses:
Repair or Rebuild Costs
Most insurance policies will cover the cost to repair your home or rebuild if the hurricane destroyed your home. This portion of your settlement generally covers debris cleanup, roof repair, water damage caused by the rain, and damage to structures outside your home, such as a workshop or standalone garage.
Loss of Personal Property
Most insurance policies will also cover the loss of personal items in the home that were destroyed, including clothing, kitchen items, couches, bedding, televisions, computers, and mobile devices.
Be sure to take pictures of any damaged personal property before the cleanup begins. This will make it easier to prove the damage to your insurance company.
Relocation or Housing Costs While Displaced
In addition to replacing or repairing your physical property, the insurance company may cover your inability to use the covered property.
If your home in uninhabitable after the hurricane, you may recover the cost to stay in a hotel or rental home as well as meals and other incidentals, such as toiletries. Many policies will cover these fees for up to a year or until your home is repaired.
A hurricane property claim lawyer in Miami Lakes can review your coverage and estimate the amount of damages you may recover. Contact our team at 1-800-747-3733 for a free review of your claim.
Exploring All Coverage Options After a Hurricane
In most situations, your primary insurance policy will cover most if not all of your damages. If this is not the case, we will pursue all options for compensation under insurance, including the following:
You may be surprised to find out that most homeowner’s and rental insurance policies do not cover damage caused by flooding. However, you may have purchased an additional policy specifically for flooding.
Your home insurance may not cover flooding damage, but most car insurance companies do. If your car is damaged by flooding, we may be able to recover losses through your car insurance company.
Insurance riders are add-on coverage. For example, you may have purchased additional coverage for expensive camera equipment or jewelry. These items would be covered under the rider and would not count towards your basic policy limit.
Your Neighbor’s Insurance
In some situations, you may be able to recover damages through your neighbor’s insurance policy. For example, if a tree from your neighbor’s yard falls and causes damage to your property, you may be entitled to compensation through their insurance company.
To better understand how we may pursue hurricane damages on your behalf, contact our team at 1-800-747-3733. We can explore all your legal options.
Contact a Hurricane Property Claim Lawyer in Miami Lakes Today
After the hurricane passes, you want a legal team who understands the financial and emotional impact hurricanes can have. We understand this is a challenging time. Let us be your voice in this legal battle.
Our team will review your situation, gather proof to build your claim, calculate your damages, and file your claim. We can also handle the appeals process if your claim is denied.
You have a limited amount of time to file your Miami Lakes hurricane property damage claim. Florida law gives you three years to pursue compensation for hurricane damage. After that time passes, you may have to cover the losses yourself.