Hurricanes are inevitable here in Florida, and the damage they cause can lead to lost property, extensive home repairs and a long road to recovery. Most Floridians have enough knowledge of hurricanes to make sure they have the right property insurance, including flood and wind, but just because you have the right policy, doesn’t always mean your insurance company will give you what you deserve after a storm.
Right after a storm hits, homeowners are left to find ways to rebuild their lives and their property. A big part of rebuilding is speaking with your insurance company to understand your claim and what you will receive in terms of compensation. Unfortunately, insurance policies are often very confusing, making it easier for the insurance company to delay or even deny your claim. If this happens to you, an attorney who is experienced dealing with insurance companies can help you understand your policy, handle your damage claim and get you the money you need to rebuild.
To help your attorney get the most out of your property insurance claim, there are steps you can take directly after the storm. The most important thing you can do is document the damage that took place. Take photos of the parts of your home that were impacted by the storm, save smaller items that have been broken or ruined, and document areas where a future problem will occur (for example, a broken pipe that will begin to grow mold). Try to take images of your home before the hurricane hits as well to prove that these new pictures are, in fact, damage caused by the most recent hurricane.
The next step is to review your insurance claim as deeply as possible alongside your attorney. They will be able to help you understand what is covered, what is not, and what you can fairly get from the insurance company. Most homeowner’s insurance policies cover any damage that occurs to the home, both outside and inside, but many, specifically homes in Florida, also include coverage for debris, wind damage, and expenses for hotel or rental living while your home is being repaired. Your attorney will take your coverage into account and document the value of all of your damage. Once they come up with a fair price, they will implement a strategy and send an insurance claim to ensure you get back what you deserve.
Working without an attorney often results in a delay or denial of your claim. This can lead to months of struggle as you work to find a new place to live or continue to live in the unsafe environment of your damaged home. Instead of focusing on your claim, let an attorney do the work for you so you can focus on rebuilding your life and getting back to a normal routine following a harrowing storm.
Balkan & Patterson helps Floridians all across the state recover damage after a hurricane. We will work one-on-one with you to ensure that the insurance companies uphold your contract and treat you fairly. If your home or property was damaged in a storm and you need assistance with your insurance company, contact us today at 561-750-9191 or visit our website to set up a free consultation.