Florida is vulnerable to hurricanes. That’s why every homeowner in the state needs hurricane insurance. That said, what is hurricane insurance? What can you do if your home and its contents incur hurricane damage? If you need a lawyer to handle your claim, does it matter which one you hire?
This article will tell you everything you need to know about hurricane damage property claim lawyers, how they can help, how to make a claim, and more.
What It Is
Insurance is supposed to provide financial compensation you if you suffer an unfortunate accident. If something happens to your property, your insurance company should pay fully or in part to repair the damage. The amount of the compensation will vary, depending on the type and extent of the damage.
Unfortunately, many legitimate claims have been rejected. If it happens to you, hire a lawyer. A legitimate claim backed by the proper lawyer will help you get the compensation you deserve. The lawyers at Louis Law Group are some of the most experienced and passionate lawyers in the business.
In Florida, there are several different types of insurance:
- Homeowner’s insurance
- Rental insurance
When choosing an insurance policy, it’s wise to check whether it covers hurricane and storm damage. More often than not, a standard homeowner’s policy will cover general storm damage. Many places in Florida do not include hurricane damage in the basic homeowner’s policy. It needs to be added to the policy.
Note that hurricane damage insurance will exclude damages caused by flooding. Separate flood insurance is necessary to ensure you’re covered on all fronts.
A thing to note is flood insurance is a limited-time offer. You need to add the coverage within 30 days of taking out your policy.
Property Vs. Hurricane Insurance Deductibles: A Key Difference
A hurricane insurance deductible works differently than a property insurance deductible. A deductible is the amount of money you need to pay out of pocket before your insurance provider pays out any money.
When purchasing a policy, you will be required to select a deductible that is a percentage of your total policy coverage. This is also different than the actual amount of your claim. For instance, you have a hurricane insurance policy of $200,000 with a 5% deductible, and a roof damage claim of $15,000, you may think that your deductible is $750 (5% of 15,000). Wrong: it’s $10,000 (i.e., 5% of $200,000).
What do Do If Your Property Suffers Hurricane Damage
If your property has incurred damage from a hurricane, you’ll want to make a hurricane damage property claim. But before you do that, there are a couple of steps you need to follow.
1. Document the damage
First and foremost, you’ll want to get an idea of the extent of the damage. Take photos and videos that can be used as evidence in your claim. You may also create a list of lost belongings.
2. Discuss with a lawyer
Call your lawyer and discuss the options available to you. An experienced law firm like Louis Law Group can strengthen your claim and increase your chances of getting a fair settlement.
3. Complete the paperwork
Paperwork is important. This should come as no surprise. Fill out all the paperwork carefully and before the filing deadline.
4. Keep all records
A good practice is to keep all records of communication between yourself, your lawyer, and your insurer, whether it is snail mail, emails, or written contracts.
5. Read your insurance policy
Know your policy thoroughly. This will reduce your risk of getting blindsided by your insurer.
- Can my insurer use the contractors of their choice?
- Many insurance policies contain a clause that grants the insurerthe right to use the contractors of their choice. Before purchasing insurance, make sure you look into this.
- Is flood damage covered in hurricane insurance?
- Generally in Florida, flood damage coverage is separate from hurricane damage. To be on the safe side, you may need to purchase additional flood damage coverage. Keep in mind there is a time limit of 30 days for purchasing additional flood damage insurance.
- Is a lawyer necessary in oder to get proper compensation from my insurer?
- Having proper representation when making a hurricane damage property claim gives you a better chance of getting paid the amount you deserve. There are many cases where the victim’s claim has been rejected due to a weak or improperly filed claim. A lawyer will make sure that doesn’t happen to you.
Hurricane damage property claims are a lot easier to deal with when you have proper representation and follow the right procedures. Hopefully, now you’re better prepared for an unfortunate event in which you suffer any form of loss.