Call Us Today Your home is damaged or destroyed in a hurricane, and you have no idea what to do next. If you file a homeowners or renters insurance claim by yourself, your insurer could dispute your request for compensation or deny it altogether. Work with a Florida residential hurricane damage claim lawyer to receive legal guidance during this challenging time in your life.
Viles & Beckman has more than four decades of combined legal experience on staff. Let a Florida hurricane damage claim lawyer from our team serve as your legal representative. Schedule a consultation with our attorneys.
How Hurricane Damage Insurance Works
You purchase homeowners or renters insurance, which could cover a portion of your hurricane-related losses. A standard policy will protect you financially against hurricane wind damage. However, it may not help you if you suffer losses due to flooding that occurs during a hurricane.
Meet with a Florida personal injury lawyer to review your homeowner’s or renter‘s policy in depth. Your lawyer can explain your coverage and how much compensation you could recover via a claim. They can help you submit your claim promptly.
The team at Viles & Beckman provides legal support that feels like family. Our lawyers for insurance claims in Florida give our clients the attention they deserve, and we will help you deal with the aftermath of a hurricane. Contact us to get started.
Expect More, Receive More: Legal Support That Feels Like Family
How to File a Florida Residential Hurricane Damage Insurance Claim
In spite of the fact that you committed time and resources to preparing your Florida property for a hurricane, a storm strikes and damages or destroys your residence. It is daunting to consider how you and your family will recover. Use these steps to file an insurance claim that can help you get compensation for your losses.
Notify Your Insurer
Typically, you have one year to submit your claim. A residential hurricane damage insurance claim lawyer in Florida can help you initiate this process. You can begin the process even if you have been evacuated from your home due to a hurricane.
Gather Evidence
Saying you deserve compensation for losses you suffered in a hurricane is not enough to get your claim approved. Take photos and videos of property damage and collect other evidence to support your claim. If you have an abundance of proof, it becomes difficult for an insurer to contest your request for compensation.
Make Temporary Repairs
Your insurer expects you to take reasonable measures to prevent further property damage. As such, you should fix broken windows, board up broken doors, and complete other temporary property repairs. Your lawyer can provide insights into what it means to mitigate damages for your hurricane claim.
Track Your Receipts
If you spend money to prevent additional damage to your property, collect receipts highlighting your repair costs. A residential hurricane damage insurance claim attorney in Florida can add these to your body of proof. They work diligently to help you get fair compensation for these and other hurricane-related expenses you incur.
In addition to these things, cooperate with your insurance company throughout the claims process. Your lawyer will answer frequently asked personal injury questions and others relating to your hurricane damage insurance claim. If your claim is denied or you receive a lowball settlement offer, your lawyer can help you determine the best course of action from here.
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Why an Insurer Will Deny a Residential Hurricane Damage Claim
You and your lawyer work together to show your insurance company that your residential hurricane damage claim is valid. Unfortunately, your insurer can still reject your claim. Common reasons why hurricane damage insurance claims are denied include:
- You did not file your claim within a reasonable time frame.
- You did not submit all required documents when you filed your claim.
- You chose not to take steps to protect against additional damage following a storm.
- You may be dealing with pre-existing damage that did not occur during a storm.
- The hurricane damage you suffered is excluded from your policy.
You have 60 days from the date you receive an insurance claim denial letter to appeal. Your lawyer can ask the Florida Department of Health and Human Services (HHS) to review your claim.
Also, they can share Florida Office of Insurance Regulation (FOIR) hurricane season resources with you and submit a complaint relating to your claim to this office on your behalf.
Click To ContactOur Florida Residential Hurricane Damage Claim Lawyers Prioritize Your Case
Hurricane damage can impact you and your family long into the future. As you repair damage to your home and deal with other losses following a hurricane, help is available. A Florida hurricane damage claim lawyer simplifies the process of getting your insurer to cover your storm-related losses.
Viles & Beckman is a Florida law firm focused on blending compassion with legal experience. Our lawyers will assist you throughout the hurricane damage insurance claims process. Request a consultation with our attorneys.
Call or text (239) 334-3933 or complete a Free Case Evaluation form
