Getting Fair Payouts On Hurricane And Storm Damage Claims
Getting your insurance company to pay a claim for damage caused by a hurricane or a tropical storm can be a difficult and tedious process. Sometimes, insurance companies will exhaust every possible means to deny claims. Most insurance policies require you to make reasonable efforts to prevent further damage, such as covering broken windows with plastic or plywood or tarping your damaged roof.
In Florida, most insurance companies mandate a separate deductible for hurricanes that are officially named by the National Weather Service. This deductible is a fixed percentage of your overall policy.
Once that deductible is met, policyholders generally do have coverage for damage from hurricanes and tropical storms.
Work With An Experienced Storm Damage Lawyer
If your home or business has been damaged in a hurricane, tropical storm or tornado and you have insurance, get in touch with us at Stockham Law Group, P.A. Our storm damage attorneys handle denied and underpaid property damage claims of all kinds. Contact us online or call 844-957-1486.
Tactics Insurance Companies Sometimes Use To Deny Claims
Insurance companies have used various tactics to deny claims over the years. These tactics can leave homeowners feeling frustrated and helpless. Here are some common strategies:
- Wrongly denying wind-related damage by blaming the damage on excluded events such as wear and tear
- Undervaluing the cost of repairs
- Misclassifying the coverage category to reduce the amount of your claim
- Delaying the claims process
These tactics can make an already stressful situation even more challenging and may indicate bad faith insurance tactics. That is why having a hurricane and storm damage claim lawyer can make a significant difference.
Frequently Asked Questions About Hurricane And Tropical Storm Damage Claims
Here are some common questions and answers we hear from clients:
What does hurricane insurance cover in Florida?
Hurricane insurance in Florida covers damage caused by a named hurricane. It may also cover additional living expenses if your home is uninhabitable. However, coverage details can vary, so it is essential to review your policy carefully.
What should you do if your hurricane or storm damage claim was denied or underpaid?
If your claim was denied or underpaid, you should first review the denial letter and your policy. Next, gather all documentation related to your claim, including photographs and repair estimates. Then, contact a hurricane and storm damage claim lawyer to help you understand your options and fight for your rights.
Do you need an attorney for hurricane and storm damage claims in Florida?
A hurricane damage lawyer is not legally required to make a claim against your insurance company. However, having an attorney can be beneficial for hurricane and storm damage claims in Florida. A storm damage lawyer can help you understand your policy, gather necessary evidence and negotiate with the insurance company on your behalf. This can increase your chances of receiving a fair settlement.
Contact Our Hurricane And Storm Damage Lawyers Today For A Consultation
If you are dealing with a hurricane or tropical storm damage claim, contact Stockham Law Group, P.A., at 844-957-1486 to reach a hurricane damage lawyer. We have offices in Tampa, Florida, and we are ready to assist you. Let our hurricane and storm damage claim lawyers help you obtain the insurance benefits you paid for.