Homeowners insurance typically covers some hurricane damage, though you may need flood insurance to cover water damage from a hurricane. Generally, though, your homeowners insurance policy should cover wind- and rain-related damage.
A hurricane damage lawyer in Florida can review your homeowners insurance policy and any other insurance policies that may cover hurricane damage.
Homeowners insurance policies typically cover hazards associated with hurricanes, including:
Between dwelling coverage and other features of a homeowners insurance policy, you may seek compensation for damage to:
If wind causes damage to home features that protect the rest of the dwelling (such as the roof and underlayment), water may enter the home and cause extensive damage. Homeowners insurance may cover all damage you can link to wind, rain, or a combination of both hazards.
Though homeowners insurance policies generally cover hurricane-related damage, hurricane claims often have a higher deductible than a non-hurricane-related homeowners claim.
Even with this higher deductible, a homeowners insurance claim can provide substantial compensation that mitigates the cost of a hurricane.
In addition to the cost of a deductible, anyone affected by a hurricane must also consider policy coverage limits.
Homeowners typically purchase insurance that covers between 50 percent and 70 percent of their home’s value. An attorney will obtain the maximum compensation you deserve, which may mean exhausting your policy’s coverage limits.
Regular homeowners insurance policies usually do not cover events that qualify as flooding.
Therefore, homeowners in hurricane-threatened areas should purchase flood insurance through the National Flood Insurance Program (NFIP), which generally covers water damage to:
Flood insurers understand the types of damage that come with floods. Therefore, your policy should provide comprehensive coverage of your property expenses. Your policy may also cover some or all of the below flood-related services, including:
Always review the fine details of each home and flood insurance policy. These details will dictate the items and services that entitle you to compensation. Your lawyer will analyze and cite your policy as they negotiate for compensation with a liable insurance company.
Depending on the nature and cause of hurricane-related damage, you may need to file separate insurance claims for:
A single insurance claim can be complicated, requiring you to oversee several responsibilities at once. Twice the insurance claims can mean twice the communications, paperwork, negotiations, and claim-related responsibilities.
When you hire a lawyer, you allow an experienced attorney to oversee the claims process on your behalf. Whether you’re dealing with one claim or two, hiring a lawyer means reducing your responsibility to zero—your lawyer will handle the claim(s) for you).
Each hurricane claim has a different value, and the cost of your hurricane-related losses may depend on:
Your lawyer will work with contractors, disaster cleanup specialists, and any other party who may have insight into the cost of your losses. Once your lawyer understands the cost of returning your property to its original state, they will know how much money to seek from any liable insurers.
Anyone who suffers property damage during a hurricane wants to hire an attorney.
Some of the most common reasons why hurricane victims hire lawyers include:
When a hurricane strikes, there is no way to predict how difficult the claims process may be. Rest assured that you will face your fair share of headaches and challenges if you attempt to handle your own claim(s).
A lawyer is a logical person to lean on post-hurricane because:
Law firms that handle hurricane-related insurance claims will have systems for processing your claim. Your legal team will keep records safe and organized, document your covered losses, and maintain frequent contact with the insurer.
You can hire an attorney as soon as you decide to pursue compensation for hurricane-related property damage. There is no reason to wait before hiring an attorney, as they will take over the claims process wherever it currently stands.
Some choose to hire an attorney once signs of bad-faith tactics emerge.
Hire a lawyer if:
Everyone has reasons for hiring a hurricane claim attorney, and you may have more than one reason.
A lawyer will oversee every detail of your hurricane-related insurance claims(s), including both large and small details. Some of the most notable services your lawyer will provide are:
Your attorney may document your hurricane-related losses by:
Your lawyer may work with various experts to explain the necessity of every item or service you seek compensation for.
While documenting your losses, your lawyer will create an itemized record of those losses. This record will include the financial cost of each item and service. The total value of these losses will guide your lawyer to a fair settlement value.
Your attorney will closely review your insurance policy, highlight and bookmark portions that explain covered losses, then highlight portions that discuss excluded losses and any conditions that may void the policy.
Insurers cannot ignore or run away from their insurance policies. The policy is, in many ways, the final word in a hurricane claim. Therefore, your lawyer will lean on the details of your insurance policy when seeking your financial recovery.
Your attorney will negotiate with the insurance company that owes you compensation, which may require them to:
Your lawyer will aim to convince the insurer to pay you a fair settlement. If the insurer refuses to offer a fair settlement, your attorney will discuss the possibility of suing.
Hiring an attorney means avoiding the challenges and headaches insurers often pose to claimants.
These challenges may include bad-faith negotiating tactics, such as:
Insurers have financial reasons for engaging in such bad-faith tactics. Generally speaking, an insurer will pay you less than you deserve if they can get away with doing so. By hiring a competent attorney experienced in resolving hurricane-related claims, you will not let an insurer get away with underpaying you.
Lawyers who handle hurricane claims generally offer free consultations. Use the free consultation process to ask law firms about their experience, willingness to take cases to court, and any other questions you have.
As a general guide, seek a law firm that:
Use your judgment to identify a law firm you believe is capable and trustworthy. If you ever become unsatisfied with your lawyer, you may transfer your case to a different law firm.
Do not wait to hire a law firm to lead your hurricane insurance claim. Your personal injury lawyer likely needs to document your property damages right away, and they may face multiple legal deadlines related to your claim.
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