Obtain Fair Compensation from Your Hurricane Matthew Insurance Claim
Living in Florida does not mean you automatically expect to need the services of a hurricane property damage attorney. But, when the insurance company acts in bad faith, you may feel compelled to look for experienced legal representation. Now that you and your family survived, recovering damages that were either a direct or indirect cause of the storm is a priority.
The hurricane season begins June 1 and ends November 30, although major storms can hit Florida throughout the year. When Hurricane Andrew struck the state in 1992, over $26.5 billion in damages were left behind and the storm was named the second costliest natural disaster in American history.
Now, Hurricane Matthew could cause just as much damage – or more. Homeowners and authorities have yet to tally the dollar amount of destruction to beachfront homes, automobiles, infrastructures and your neighborhood.
Hurricanes Destroy Lives and Property in Florida
As Florida homeowners pick up the pieces from Hurricane Matthew’s ravage, the dawn of the day brings another issue: property damage. The devastation of a hurricane leaves thousands of people either injured or killed. In many cases, destroyed property must be completely rebuilt.
Strong winds and water surges are two of the most disastrous aspects of a hurricane. Winds can uproot trees, level buildings and throw cars miles away. The rising sea adds to the devastation when it dumps high waves onto streets and into homes.
What winds miss, storm surges attempt to wash away with significant flooding. Heavy rainfall continues the barrage by causing flood damage.
Filing a Hurricane Insurance Claim for the Damages
After surviving terror and chaos, there are many things that you are left to address. Confusion makes the next steps in recovering from this terrible situation unclear. Should you get immediate medical attention, if needed? Or, should you protect and salvage what Hurricane Mathew did not destroy?
Your first priority should be to resolve urgent medical issues before trying to access property damage. Being an owner of insured property or a named person on an insurance policy entitles you to file a first-party hurricane insurance claim.
As a general rule, one of the following categories must apply to the damage of your property:
- It has some structural damage
- It is the result of a hurricane, fire or other severe weather event
- It is the site of a theft or robbery
- Removal of debris caused the damage
A homeowner’s insurance policy can help you with the rebuilding process since it covers damaged that occurs after a disaster. Accidental injury or death may also be part of the coverage.
In addition, standard parts usually cover:
- The dwelling and other structures that existed on the property
- Loss of use to your home, plus additional living expenses you incur as a result
- Medical costs to other people injured on your property
Nevertheless, having homeowner’s insurance does not guarantee all damages are payable through the policy. It also does not guarantee that the insurance company is willing to pay for what is covered. Coverage depends on how the policy is worded.
If phrasing seems unclear, you may want to seek legal guidance from a knowledgeable attorney who can interpret what you can expect from the insurance company. Having someone on your side to assist with the process of appraising damages and negotiating with the insurance company can be very helpful.
Someone who is experienced with hurricane insurance claims can help you obtain a reasonable settlement.
Handling Disputes with the Insurance Company
It is hard enough to overcome the fear of living through hurricane Matthew. Your fears should not be compounded from a battle with the insurance company. That is why Florida hurricane damage attorneys with The Doan Law Firm in Miami are here to assist you.
Unfortunately, insurance companies will dispute the validity of claims despite the obvious damage people have endured. Whether the decision is an unreasonable settlement or flat out denial, you should not have to fight for the compensation you deserve.
The Doan Law Firm Will End the Bully Tactics of Insurance Companies
Florida law requires that insurance adjusters abide by the Adjuster’s Code of Ethics. Failing to do so is subject to actionable repercussions. If your insurance company is trying to avoid the responsibility of paying your hurricane insurance claim, The Doan Law Firm can help.
Even if you feel overwhelmed from just surviving a storm that dealing with the amount of damage is more than you can bear, you can contact us at (800) 349-0000 to get through this process as smoothly as possible.
Being a Florida resident means accepting that hurricanes are part of the reality of living here. However, that does not mean you have to accept the little or nothing an insurance company wants to offer after you have faithfully paid your premiums.
Waiting to retain an aggressive attorney who will represent your best interests makes it easier for the insurance company. Located at 801 Brickell Center, Suite 900 in Miami, The Doan Law Firm will fight to get you a fair settlement within the timeframe you need.
Introducing The Doan Law Firm
Learn about what motivates Attorney Jimmy Doan.
Get to Know Jimmy Doan
Learn about Attorney Jimmy Doan's background and ...