When a hurricane damages your Palmetto Bay home, you expect your insurance company to cover your losses. In some cases, they do. Other times, they try to pay less or, worse, wrongfully deny valid claims.
You do not have to face the hurricane claim process on your own. The team at the Law Offices of Anidjar & Levine understands how the process works, including all the ways insurance companies try to get out of paying what you deserve.
Contact a hurricane property claim lawyer in Palmetto Bay. If we decide to work together, we can gather the information needed and file your claim for you. We can even file an appeal if you have been denied. Call 1-800-747-3733 to discuss your claim today.
Losses Your Insurance May Cover in Your Hurricane Damage Claim
The actual damages you are eligible to recover will depend on the details of your policy. For example, it may exclude certain damages, or you may have policy riders that expand coverage for specific items.
However, in most situations, you can expect your plan to cover the following:
The Cost to Repair or Rebuild Your Home & Other Structures
Most plans will cover all costs associated with repairing your home, including labor and supplies. For example, if your roof is damaged, they should cover the cost to repair the roof itself and any other damage caused by the leaking roof.
Most homeowner’s or renter’s policies do not cover flood damage, but you may have an additional policy that will.
Property Cleanup and Securing Your Home
Your plan may also cover the cost to clean up debris and fallen trees in your yard. Landscaping costs may also be covered. If your home needs to be secured after the damage, for example, by boarding up broken windows, most policies will cover these costs as well.
The Loss of Personal Items
The loss of personal property may be emotionally and financially devastating. While no amount of compensation can bring back priceless family heirlooms, you may recover the cost the replace furniture, clothing, toys, and other personal items.
Your plan may cover the cost of finding alternative housing if your home is uninhabitable. For example, they may pay for you to stay in a hotel for a period of time and cover meals and other incidentals while you are displaced.
Understanding what your plan does and does not cover can be complex. Speak with a hurricane property claim lawyer in Palmetto Bay for a deeper understanding of your coverage. Call us today at 1-800-747-3733.
How Our Team Can Help with Your Palmetto Bay Hurricane Damage Claim
Filing a Palmetto Bay hurricane damage claim does not require legal assistance. However, there are many benefits to working with a legal team that understands the claims process and the laws that impact it.
For example, our knowledge of the law can be an asset when facing insurance companies. They understand you will not be taken advantage of because we’re on your side and may be less likely to use strategies to pay you less.
Our team is here to help in the following ways:
- Handle all communication with the insurance company and adjusters so you can focus on recovering.
- Keep you updated on the progress of your claim.
- Look for additional options for coverage, such as a flood policy or car insurance that may cover some of your damages.
- Prevent the insurance company from using unfair tactics to pay you less.
- Gather the required documentation and file your claim.
- Negotiate with the insurance company to recover as much compensation as possible.
- If needed, file an appeal if the insurance company wrongfully denies your claim.
Filing a hurricane claim just weeks after your home was damaged can be an overwhelming task. You do not have to face the claims process by yourself. Our legal team offers compassionate legal care designed to make your life as peaceful as it can be during this difficult time.
Call our team today at 1-800-747-3733 to discuss your options for compensation.
The Statute of Limitations for Palmetto Bay Hurricane Damage Claims
The state of Florida outlines a statute of limitations for all legal action. These time limits ensure legal actions are filed in a reasonable amount of time. For hurricane damage claims, Palmetto Bay residents have three years from the date of the storm to file a lawsuit.
This limit also applies to damage you uncover later. For example, say your roof gets damaged in a hurricane. You file a claim, and insurance covers the cost of the repairs. Then say you discover mold growth hidden behind wallpaper a year later that was also caused by damage in the hurricane. You are within the three-year statute and can file an additional claim.
Speak with a Hurricane Property Claim Lawyer in Palmetto Bay Today
After the hurricane has passed, you and your family should focus on rebuilding your life. Whether your property sustained minor damage or was totally destroyed, you deserve to be treated with respect and kindness through this process.
Let us guide you through this challenge. Our team can review your property damage coverage, look for additional paths for compensation, and ensure the insurance company deals with you fairly.
For a free review of your Palmetto Bay hurricane damage claim, call the Law Offices of Anidjar & Levine at 1-800-747-3733.