As a homeowner, you may be eligible to receive compensation for damages to your property after a hurricane. Your insurance company may have denied your claim, however, leaving you to cover the costs of restoring your home. If so, you have the right to explore your legal options and get a fair settlement from your insurance provider.
A hurricane property claim lawyer in Pembroke Pines from the Law Offices of Anidjar & Levine is here to help you get compensated for your expenses and rebuild your home. If you feel that you have been mistreated by your insurance provider, then contact us today by calling 1-800-747-3733.
What Your Insurance Policy Should Cover for Hurricane Damage
What you can claim for hurricane damage depends on your homeowner’s insurance policy and the amount of coverage it provides. Your insurance company should provide coverage for two types of damage:
Almost every type of homeowner’s policy in Florida should cover wind damage up to a certain amount. Wind can damage your roof, windows, siding, and other areas of your property. Keep in mind that you may have to meet a deductible before your insurance provider pays the rest.
A standard homeowner’s policy will typically not cover flood damage. If you purchased a separate flood policy, though, the same principle applies like a regular homeowner’s policy. The insurance company should pay up to a certain amount specified in the policy once you reach your deductible.
If you have paid your premiums every month, met all the criteria for reimbursement, and still, the insurance company does not pay out, then contact the Law Offices of Anidjar & Levine today. We will reach out to the insurance company on your behalf to get you fair compensation. We offer a free, no-obligation case review when you call 1-800-747-3733.
Why Insurance Companies Try to Deny Your Claim
After a hurricane, homeowners across South Florida try to collect reimbursement all at once. Therefore, the insurance companies will attempt to minimize each claim to keep from paying out. There are various reasons an insurance company may give for denying your claim, such as:
- Coverage does not exist for certain damages in your particular policy;
- Your claim is excluded under your homeowner’s insurance;
- You failed to prove that the hurricane is what damaged your home; or
- The value of your claim is higher than the actual value of your damages.
Regardless of what excuse your insurance company gives for not paying out, you do not have to accept their first offer or final offer. A local hurricane property claim lawyer in Pembroke Pines can take on the insurance company on your behalf and fight to get you the insurance payment you deserve for damages to your home.
Types of Hurricane Damage You May be Entitled to Claim
One of the ways to make sure your insurance company pays you what you deserve is to review your policy carefully. If you have a difficult time understanding what your policy covers, we can sit down with you and go over the details so that you know what you can claim.
Most insurance policies in Florida cover the following:
- Home repair or replacement;
- Sunrooms, garages, or detached buildings on the property;
- Other items on the property such as a pool, deck, or fence;
- The contents inside your home;
- Temporary living expenses while the contractor repairs your home; and
- Storm debris removal around your home.
Do not let the fine print and intricate details of your insurance policy keep you from full compensation for your damages. If you need legal assistance, your hurricane property claim lawyer in Pembroke Pines is here to help you navigate the legal process. If you have any questions about your insurance policy or why the insurance company denied your claim, call us today at 1-800-747-3733 for a free consultation. We are here to help you get back into your home.
Evidence We Can Use to Build Your Case
Our hurricane property claim attorneys have worked with homeowners in Pembroke Pines and across South Florida to help them recover losses from previous hurricanes. We can also guide through the process by obtaining evidence that clearly shows the value of your claim. The evidence we can use may include:
- The details of your homeowner’s policy;
- An inspection report and estimate from a licensed contractor;
- A complete list of all damages inside and outside of your home;
- Invoices and receipts for your out-of-pocket expenses;
- Photographs or video footage of the destruction; and
- Receipts of temporary living expenses you incurred.
Our legal team will gather all the evidence and re-submit your claim to the insurance company. If the adjuster still denies your claim or tries to offer an unsatisfactory settlement, you may have the option of filing a lawsuit against the company.
Statute of Limitations for Property Damage Claims
Since insurance companies are notorious for delaying claims or payouts, the State of Florida gives you three years to file a lawsuit against your provider. This statute only applies to windstorm and hurricane property damage claims.
If you have been disputing the insurance companies for several months, now is the time to file your lawsuit before the deadline. Our law firm can help you move forward with your lawsuit and expedite all the paperwork on your behalf so that you are still eligible to receive compensation.
Contact Your Hurricane Property Claim Lawyer in Pembroke Pines
The Law Offices of Anidjar & Levine is here to help you with your insurance claim in Pembroke Pines. The insurance company does not have the final say in how much your case is worth. We can help you determine the value of your damages and negotiate with your insurance provider for you. Call a hurricane property claim lawyer at our law firm today for your free case review: 1-800-747-3733.