When Should You Sue Your Homeowners Insurer For Storm Damage?
When a hurricane or tropical storm occurs in Florida, it can often cause extensive damage to a home. Hurricanes can regularly result in 90 + mile-per-hour winds, heavy rain, and hail which can take its toll on the structure of a house. As many homeowners and businesses learned from Hurricane Irma in 2017, damage occurs to homes from water and wind. Damage from wind-driven rain can occur during or after a storm event, when the wind creates a new opening in the home and allows water to enter the property. Many instances of water damage to properties happen days later when further thunderstorms occur after the hurricane.
While many of the residents in 2017 had hurricane insurance, they were unable to recover for the damages they incurred. Their insurance companies frequently denied the claim altogether or underpaid the claim. It’s fairly common for Florida insurers to deny or under pay property claims after a storm without undertaking a proper investigation. These insurers will often deny the claim based on the homeowner’s failure to comply with the terms of the policy. An example of this is a denial for reporting the claim late, even if you were forced to evacuate. Additionally, many insurance companies will acknowledge the damage should be covered; however, they will send a check in an amount that is insufficient to fix the damages. When this happens, you are not alone. An experienced insurance attorney can ensure you get the benefits to which you are entitled.
If you are a victim that is facing damages on your home, there is a chance that your coverage may be denied. If you are stuck in a situation where your insurer has denied a claim for hurricane, wind, or water damage, contact us today!
This post was written by Kelly-Ann Jenkins of Jenkins Law P.L. Kelly-Anne is a property damage attorney. She focuses on insurance claims and property damage. The information on this site is not intended to and does not offer legal advice, legal recommendations or legal representation on any matter. Hiring an attorney is an important decision, which should not be based on advertising. You need to consult an attorney for legal advice regarding your individual situation.
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