Property insurance is supposed to be your safety net in case your home or business is damaged or destroyed by a hurricane or other disaster. Some St. Petersburg property owners, however, have discovered that their insurance company does not always fulfill its obligations.
A hurricane property claim lawyer in St. Petersburg will aggressively pursue the benefits that you may be entitled to receive. If you have been turned down by your insurance company or received a lowball offer, please call the Law Offices of Anidjar & Levine. To request a free case review, please call 1-800-747-3733.
We Seek Full and Fair Compensation on a Contingency Fee Basis
As Floridians, we understand the stress, fear, and exhaustion after a hurricane or tropical storm. It is overwhelming to see your home or business severely damaged or, worse yet, swept away by storm surges or catastrophic winds. Recent hurricanes Michael and Irma left multiple areas of Florida devastated as we know.
A hurricane property claim lawyer in St. Petersburg will deal with your insurance company to get you the compensation you deserve. The Law Offices of Anidjar & Levine offers a free case review. If we can help you with a disputed or denied insurance claim, you pay us only when and if we recover compensation. You do not need more financial pressure on top of a damaged or destroyed home or business.
Insurance Companies Will Try These Tactics to Avoid Paying Your Claim
If you are a policyholder in good standing, your insurance company should do the right thing and pay you the benefits you are owed. In our experience, some insurance companies will use questionable tactics to discourage you from pursuing compensation.
Some of the excuses that insurance companies use to turn down legitimate claims include:
- Your policy does not cover the damage;
- You did not properly maintain the property;
- Your first application was inaccurate, or your coverage is somehow invalid; or
- You did not send enough proof that your home or business is damaged.
A hurricane property claim lawyer in St. Petersburg will stand up to the insurance adjuster to get you the benefits you deserve. To learn more, please call the Law Offices of Anidjar & Levine at 1-800-747-3733.
A Hurricane Property Claim Lawyer Can Tell You Which Damages Are Covered
Most homeowners do not know exactly what their property insurance covers, according to an article in the Wall Street Journal. Insurance companies know that there is a lot of fine print in their policies, and they are hoping you become discouraged and give up if your claim is denied.
A member of our legal team in St. Petersburg will read your policy and tell you exactly what damages are covered. Your attorney can also help you prepare your claim to make sure it is detailed and complete. This gives the insurance company one less excuse to turn down your claim.
Florida Statutes on Hurricane Windstorm Coverage
Since 2006, Florida statutes require insurance companies to include hurricane windstorm protection. This means that you have financial protection from damage or loss that occurs from a hurricane or associated windstorms caused by the hurricane.
Most residential insurance policies have specific requirements for hurricane windstorm coverage. You typically have a separate deductible which is a fixed percentage of the total value of your policy. Most insurance companies also require that you take steps to prevent further damage to your property once the storm has passed.
If you have questions about your property insurance coverage, how to file a property claim, or want legal help on an existing claim, please call the Law Offices of Anidjar & Levine at 1-800-747-3733.
What a Hurricane Property Claim Lawyer in St. Petersburg Does for You
Liability laws and insurance regulations are complex. If you do not have a good working knowledge of them, you may not be able to fully protect your rights. A lawyer with our firm will go the extra mile to help you get the benefits you deserve with a plan that includes:
- A review of your policy
- Professional yet firm communication with the insurance adjuster of their contractual obligation
- Expert knowledge of the state statutes on rights of property owners
- An explanation of offers from the insurance company before you sign
For more information or to request a free consultation with the Law Offices of Anidjar & Levine, please call 1-800-747-3733.
Include Proof of Damage or Loss with Your Hurricane Property Claim
Depending on the severity of the storm, it could be several days or weeks before the insurance company can send a claims adjuster. You need to have proof of your damaged or destroyed property ready. Be sure to include the following with your claim:
- Take photos and/or videos that show detail and scope of the damage.
- If you have interior damage from an opening in your walls or roof, take a written and/or photographic inventory.
- Include known model or serial numbers of damaged or defective property.
We recommend including a date and time stamp to your pictures or video. Hurricane windstorm coverage is only valid on damages and losses that happen from the time an official hurricane watch or warning is issued until 72 hours after the watch or warning expires.
We Can Help if Your Property Claim is Denied
Your insurance company must give you a reason your claim is denied. A hurricane property claim lawyer will review your policy, damages, and work with the insurance adjuster to recover potential benefits.
Hurricane season may be only a few months each year, but the damage from a major storm can affect your life for much longer. Please call a hurricane property claim lawyer in St. Petersburg if you are struggling with your property insurance carrier. The Law Offices of Anidjar & Levine offer free case reviews. Please call 1-800-747-3733.