Storm Damage Insurance Claims

Florida is recognized for its sunny weather year-round but also the unpredictability of its storms and hurricanes. It is also known that the damage caused by these storms can be quite extensive, not only destroying the home and its structure but forcing homeowners to find alternative living arrangements while their properties are fixed. That is why making storm damage insurance claims is also quite common.

Unfortunately, homeowners probably never expect to be treated by their insurance companies as they are: with claims that take forever to be resolved and when they are, the payout is insufficient, or with claims that are denied outright.

This is when calling Florida Home Claim is the best thing you can do. You need a legal professional that focuses their expertise on fighting for your rights and resolving your claim in the most favorable and most expeditious manner possible. Our lawyers know that your only priority is to have your house back to the way it was before the storm and your life back to its regular routine.

photo of wet floor

Filing a Storm Damage Claim

The damage caused by storms in Florida tends to be quite extensive. No matter how much care you take in protecting your home before a hurricane, it may not save your house from all damage. Also, some storms arrive unexpectedly, giving you no time to prepare.

Ultimately, the best preparation you can do before a storm is to purchase a homeowner’s insurance policy that covers storms. Once you have that document, you may believe you have just purchased peace of mind because you have been proactive and made a wise decision.

When a storm damages your home, the last thing you expect is to find yourself embroiled in what seems to be a never-ending struggle with the insurance company. Trying to navigate through this time-consuming process can be more stressful and frustrating than you could have ever imagined. To the point that all you may be getting are excuses and delays. Or maybe an offer that is so low that it leaves you trying to figure out how to restore your home with so little money because you know that this amount will not begin to address the devastation caused by the storm.

Damage Your Policy Should Cover

Reading your insurance policy, you may discover that certain items should be covered, such as:

  • Damage to your roof
  • Fixing ceilings, walls, and floors
  • Repairing or replacing personal property like clothing, jewelry, furniture, electronics, appliances, and more
  • Removal of all debris
  • Fire and explosion damage due to cars or other flammable items being struck during the storm
  • Damage sustained by trees and landscaping

Once you add all of this up, it may be pretty easy to realize that the amount the insurance company is offering you is not enough. And once you say yes to that lowball offer, your case will be considered closed, and there won’t be anything else you can do to get any more. Do not accept an offer by your insurance company without talking to your storm damage insurance claims lawyer from Florida Home Claim. We will fight to get you fair compensation, and we will not get paid until you do. Give us a call today, and let us take over your worries over the storm damage.

Photo of damaged roof
Roof damage from tree that fell over during hurricane storm

Take Action After the Storm

Although you expect your insurance company to take care of all the damage, the insurance company expects some things from you as well. This means mitigating the risk of additional losses after a severe storm. Some steps you should take include:

Take a look at your policy to find out your responsibilities after a storm; you don’t want your storm damage claim denied over something that you could have quickly taken care of. And once you have the policy in front of you, find the information on how to file a claim and make a note of any deadlines mentioned. You don’t want your claim denied for not filing it on a timely basis.

Dealing with Bad Faith Practices

It is expected that all insurance companies will deal with their customers in good faith. If you are not being treated this way, you may be entitled to a greater financial recovery than the cost of the damages you suffered. Some things that may qualify as bad faith practices include:

  • Not conducting a proper investigation of the incident
  • Misrepresentation of items like the statute of limitations
  • Not being transparent and open with all the information
  • Being unwilling to negotiate while the claim is still open
  • Denying your claim without providing you with a written explanation of the reasons for the denial

Some actions may be harder to define as harmful practices, but that does not necessarily translate into fair treatment. Our lawyers will make sure there are no misrepresentations of the policy coverage and that no mistakes have been made. We have experience dealing with storm insurance damage claims, will take the time to read and understand the intricacies of your policy, and will talk to you about your property to have a clear image of all the damage you are dealing with and the funds you will need to restore your property.

Contact Florida Home Claim Today

When your home suffers storm damage, you need an experienced professional dedicated to advocating on your behalf. Your insurance company has plenty of tactics at their disposal to delay or deny your claim, and you need the right tool by your side to even out the playing field. At Florida Home Claim, our storm damage insurance claim attorney will be dedicated to fighting to get you the compensation you deserve and protecting your interests. And remember that we work on a contingency basis which means no out-of-pocket costs to you because we will only get paid once you do. Give us a call today.