Many homeowners are not familiar enough with their insurance policy to ensure they get all the compensation they deserve when they file a hurricane damage claim. If your home suffered hurricane damage and you need help with a property claim, work with a Naples hurricane property claim lawyer.
Get the Money You Need to Repair or Rebuild Your Home
The process of repairing or rebuilding your home is never easy. But our goal is to make the process as easy as possible for you by recovering all the compensation you deserve so you have the resources necessary to repair or rebuild your home.
Your homeowner’s policy may cover:
- Storm loss
- Roof damage
- Water damage
- Flooding and storm surge
- Personal property damage or loss
- Disaster remediation
- Securement of the property
Your policy may also cover the cost to remove storm-related debris from the property. It may also cover the cost of a hotel or other accommodations for your family while you are unable to live at the house, as well as gas, food, and other displacement-related expenses.
Get the Help You Need When Insurers Devalue Your Hurricane Damage Claim
Unfortunately, insurance companies may diminish the value of your claim. The insurer may argue that your policy does not cover certain damage or find other excuses to deny coverage.
That is why it is so important to understand your policy from front to back. Know what it covers and what it does not cover. Know what exclusions are present. And know what procedures you have to follow.
Let us help you.
Your Naples hurricane property claims lawyer can:
- Evaluate your property claim(s) and policy
- Review insurance company letters
- Speak with the insurance company for you
- Build a case to prove your claim is covered
- Fight your case in the legal system, if necessary
Do These Four Things to Protect Your Hurricane Damage Claim
We can help you exercise your rights under your homeowner’s policy and fight back when insurers deny or devalue your claim. But you can do these four things to protect any hurricane claims, too:
- Contact the Insurance Company
Inform the insurance company that your home sustained damage in a hurricane right away. You may not decide to file a claim immediately but tell the insurance company that your home suffered damage as soon as you can.
- Start Documenting the Damage
Take photographs of anything that is damaged, including parts of your home, deck, fence, roof, etc. Even take photographs of damaged personal property. Keep a list of items that are damaged.
Do this before you start cleaning up and removing debris. Some find it most helpful to do a walk-through video documenting the entirety of the property in addition to taking photographs of specific items.
- Take Action to Prevent More Damage
Board up windows, cover roof leaks, and do anything else you can to stop further damage. The insurance company may later try to argue that some damage is not covered because it is the result of something that happened after the hurricane. So be proactive to prevent further damage and take photographs of your efforts.
- Save Any Invoices and Receipts
Save receipts or invoices related to your displacement if you cannot stay in the home. This includes hotel bills, gas receipts, food receipts, and more. These records will help you establish the value of your losses.
How to Prove the Value of Your Hurricane Damage & Losses
Your insurance company will require proof of the damage and losses your family experienced because of the hurricane. To establish this value, you may need the following:
- Homeowner’s insurance policy (keep a copy somewhere safe)
- List of damaged house contents and personal items
- Contractor estimates for repairs
- Receipts for your out-of-pocket expenses
- Photographs of damaged property
- Video walk-through footage
- Invoices, bills, and receipts for living expenses during repairs or rebuild of your home
The Law Offices of Anidjar & Levine can go through your documents and help you build a case proving your entitlement to compensation under your policy. Get a free consultation about your case. Call us at 1-800-747-3733.
Don’t Let an Insurance Company Deny You the Compensation You Deserve
You have paid your homeowner’s policy premium and deserve to file a claim to benefit from that policy. But insurers may use tactics designed to delay, undervalue, or wrongly deny hurricane claims, especially as they are inundated with claims following a hurricane.
And some homeowners accept the insurance company’s lowball settlement offer, not realizing they are leaving money on the table. If you accept a settlement offer, you may not be able to reopen the claim to get more money. You could be left footing the bill for extensive repairs.
Do not accept the insurer’s settlement offer until you first speak with an attorney.
We can help you sort through the red tape. Our team can get the documents you need, compile evidence of damage, and present an organized, well-supported argument for why you deserve coverage. If the insurer still refuses to a come to a reasonable settlement, then we are prepared to take legal action.
Contact a Naples Hurricane Property Claim Lawyer
You can secure help from a Naples hurricane property claims lawyer by calling 1-800-747-3733.
We are committed to helping homeowners and other property owners in Naples exercise their rights under their hurricane insurance policy. We have helped Floridians with hurricane claims following many storms, including Hurricane Irma and Hurricane Michael.
We offer free, no-obligation consultations about your hurricane damage case, so call now to get started.