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STORM DAMAGE DENIED INSURANCE CLAIMS

home insurance claim deniedStorms come and go, but their effects stay with us for much longer. They cause serious damage to property and sometimes, they cause deaths. Dealing with the emotions around losing your home or property to a storm is already bad enough, but what happens when your insurance company who is supposed to have your back denies your claim?

 Denied or underpaid insurance claims are pretty common especially in the event of a natural disaster when a lot of people are affected. Maybe there was a tropical storm or hurricane, the damages can be very widespread. It is at times like these that people troop to their insurers in droves in search of a lifeline. Insurance providers, for one reason or the other, cannot satisfy all the claims presented to them, so they try to prey on unsuspecting individuals by denying or underpaying them.

When your insurance claim is denied, you will need a qualified and reputable attorney by your side to help you fight your case. Individuals who decide to approach the insurance companies themselves usually don’t get the results they desire. A lawyer is your best option.

At the Injury Firm, you can count on us to have your back when your insurance claims for a tropical storm or hurricane damage is denied or underpaid.

POSSIBLE REASONS WHY YOUR INSURANCE CLAIM WAS DENIED

Of course, your insurer won’t just give you an outright NO! they will come up with a reason which could either be fabricated or valid. Here are some of those reasons.

  • They may say that the damages that your property suffered as a result of the tropical storm or hurricane were not covered by your insurance policy.
  • You may also be blamed for not fulfilling your own end of the bargain, either by not paying your premiums or by not cooperating with the insurance company.
  • Your insurer can also claim that the losses you suffered happened outside the period covered by your insurance policy.

WHAT DO I DO WHEN MY INSURANCE CLAIMS ARE DENIED OR UNDERPAID?

  1. Go over your claim to see why it was denied. Check your policy to see if your claim was indeed covered by your insurance policy. If it wasn’t, there really is nothing you can do about that. Sometimes it might be an error on your part, your claim might be saying something different from what you intended, be sure.
  2. If you have gone through your claim and your insurance policy and you discover that you are being unfairly treated, you should then proceed to gather as much evidence against your insurer. Every email, correspondence, receipt or document should be kept. Take pictures of your property showing the damage. Show evidence that you indeed tried to protect your property from further damage like the responsible homeowner that you are.
  3. Having gathered every evidence you could find; it is now time to file an appeal. Now, there is no guarantee that your insurer will respond favorably to your complaint and grant you your wishes. To increase the chances of your claim being honored, get a lawyer.

The Injury Firm is armed with years of experience in handling cases of denied or underpaid insurance claims. No matter the cause of the damage; tropical storm or hurricane, we’ve got you covered.

West Palm Beach Storm Water Damage Lawyers

roof damage caused by stormThere are multiple ways that stormwater can damage your property. For example, rain can damage electronics if your roof develops a leak. Alternatively, hurricane-force winds can create a storm surge that enters your property.  If this has occurred, you are entitled to compensation. However, this legal area can be quite complex. Let’s look at some of the ways you can navigate an insurance claim.

Try To Prevent Further Damage

It can be confronting to find that your home has been damaged by water. When you discover this, you should try to prevent further damage to your belongings. Many insurance policies will place obligations on homeowners to take action to prevent further damage. Failure to do this might cause your claim to get rejected. To understand what your obligations might be, you might want to consult with your West Palm Beach Storm Water Damage Lawyer.

Before you enter a room, consider the potential danger. For example, if an electrical appliance was damaged, there might be electricity in the water. You should move slowly, as it can be easy to slip and fall. Once you are confident that the area is safe, you should remove any excess water from your property. You might also want to start to remove any damaged furniture. You can also use fans to dry out the room and prevent mold from growing. If your windows or roofing was damaged by hurricane-force winds, you should use tarping to prevent more water from entering the property.

Check Your Insurance Policy

First, you should check your insurance policy to find the kinds of damages that you are covered for. Most policies offer coverage for most types of water damage. For example, you can be covered for; burst water main, faulty appliances, toilet leaks, and faulty plumbing. Though they might not cover flood damage. If you were damaged by floodwaters, you might need to consult a separate policy. Generally, the policy will define flood water as any waters that were on the ground prior to damaging your property. However, this description can be vague. For this reason, you might still be able to get compensation through insurance claims.

When assessing your insurance policy, you should also try to figure out what exclusions and limitations might apply. As you read through the claim, you might find sections that are convoluted or unclear. If this occurs, you should contact a lawyer. They will be able to explain your obligations further. This will give your claim the best possible chance of getting approved.

Take Pictures Of The Damage

You should make sure to keep a record of what was damaged. You should also gather as much information about each object as possible. For example, you should present any receipts that you have. This can be used to verify that you own the item. You should also take pictures of any damage. This might be used to assess the extent of the problem. If structural damage occurred, you should gather estimates to determine how much it will cost to have the property repaired. If a large amount of water entered the property, take a picture of the height that the water reached.

In some cases, water damage might lead to additional damages. For example, if a window gets broken by hurricane-force winds, rain can enter your property. However, it can also be used by thieves to steal your possessions. If this occurs, you can file an additional claim for stolen belongings with your insurance company.

Contact Your Insurance Company

Once you discover the damage, you should contact your insurance company as promptly as possible. This will ensure that you receive compensation as quickly as possible, so you can afford to repair the damages. Also, some insurance companies will have limits on how long you have to submit a claim. If you don’t report the damage within this timeframe, the insurance company might not give you any compensation. Your insurance company will generally have multiple steps to complete before you can file insurance claims. However, they will be able to guide you through these steps. You might want to use the services of water damage lawyers to help you prepare your insurance claim.  Once your claim has been completed, they will assess it. In some cases, this may involve sending someone to visit your property to inspect it. For many people, this is where the process ends. However, in some cases, the insurance will deny or underpay the claim. In this case, you should contact a water damage lawyer.

Contact A Property Damage Insurance Claims Lawyer

Sadly, some insurance companies might try to maximize profits by acting in bad faith. There are usually three ways that this occurs. First, they can deny your insurance claim. Second, they might try to delay it for an unreasonable period of time. Third, they might try to offer a low amount of compensation. If this occurs, you should contact West Palm Beach Storm Water Damage Lawyers. They will be able to look at your case and consider your unique circumstances. By re-assessing your case, they will be able to understand if the conduct of your insurance company was in bad faith. If they decide it was, there are multiple actions that they can take. This will ensure that you get the compensation that you deserve.

If your property gets water damage, it can be devastating. Often, your possessions will be damaged. In some cases, the water might even cause structural damage to the property. Making repairs can be a difficult, costly process. Thankfully, many insurance claims cover water damage. However, getting this compensation can often be a long, complex process. Thankfully, the lawyer at The Injury Firm, in Florida, can help you get the compensation that you deserve. They offer an experienced team that will be able to guide you through every step of the insurance claims process. They can also help if your insurance company acts in bad faith. So, get in touch with the friendly team today so you can start recovering from any water damage you experienced.

How Long Do You Have to File an Insurance Claim in Florida After a Storm?

Despite the charm and positives that come with living in Florida, one of the most obvious disadvantages is the constant threat of extreme weather. When a storm or hurricane comes around, it can wreak havoc for homeowners, business owners, and, well, absolutely everybody. Of course, storms can damage roofs, outhouses, sheds, cars, and plenty more. This then leads to thousands of claims all reaching the same insurance companies all at once. If you’re worried about your own claim, we’re going to answer some basic questions here today.

First and foremost, we recommend getting in contact with a professional and reliable law firm as soon as possible after a storm. For example, at The Injury Firm, we have extensive experience in dealing with these cases and should be able to put your case in the best position to receive the compensation you’re owed. However, there is a specific law relating to storms and extreme weather.

Florida Law Statute 627.70132 Notice of Windstorm or Hurricane Claim

Under Florida Law Statute, you need to file your claim within 3 years of the storm making landfall (or when the weather reached and damaged your home). Since the period immediately after extreme weather can be the busiest time for insurance companies, they may take longer than normal to reply and acknowledge your claim. Despite this, you have three full years between the damage and when you can no longer claim.

Review Your Own Windstorm Policy

The reason why we recommend getting in touch with a law firm early, assuming the damage is severe and/or there are leaks in your home, is because all policies tend to be different. Throughout the process, there are certain forms that are required to be completed and these become harder to fill as time goes on. For example, it’s easier to compile loss lists and estimates shortly after the storm as opposed to two years later.

Furthermore, the damage caused by the storm could lead to different processes in the weeks and months ahead. Although the deadlines for roof damage and flooding may be similar, the way the cases are handled is not.

Contacting a Reliable Property Damage Law Firm

With professionals by your side, your hurricane or storm damage claim will be in the best hands and you won’t need to worry about time limits at all. In truth, this area of law can be confusing and you might be concerned about the differences in law between hurricanes, fires, tornadoes, wind, hail, storms, and every other form of extreme weather. Luckily, we know everything there is to know so can support you through the process (while avoiding many common mistakes!).

What many people don’t know is that it’s also possible to add to claims, and this may lead to additional time being allowed. In the past, we’ve even seen cases reopened after discovering new losses or after the individual chose to go it alone and overlooked damaged the first time. If you believe you were unfairly denied compensation, or you believe you should have been paid more money, there could be opportunities to reopen the case so long as it is handled correctly and within time.

Conclusion

Under Florida Statute Law, all potential claims after storm damage will expire in three years if not filed. With vast experience in this area of law, we recommend contacting The Injury Firm today for best results. Rather than handling it all alone and potentially undervaluing your losses, we’ll help you to get it right and rebuild your life after this terrible event! 

Hurricane Dorian Damage Insurance Claims

Hurricane Dorian is currently threatening the Florida coastline. If it makes landfall, this hurricane will have highly damaging winds that can send debris flying through city streets. For your safety, it’s recommended that you leave the area before the hurricane arrives. However, the powerful winds can cause serious property damage. Often, entire buildings can be destroyed. If this tragedy happens to you, what can you do? Let’s look at how your hurricane lawyer will handle a hurricane damage claim.

Types Of Property Damage

First, let’s talk about some of the types of property damage that you can expect to receive as part of a hurricane. First, the hurricane will produce strong winds. This can lift and move smaller pieces of debris at a high speed. This can smash windows or destroy items in your backyard. Also, it can destroy weaker buildings, like sheds. In addition, lighter items, like trampolines or toys, might be carried away in a gust of wind.

Water damage is also commonly associated with hurricanes. As the storm gathers over the seas, it picks up a large amount of water. As it moves over the land, it dumps this water. This can result in very heavy rainfall. Depending on where you live, you might also experience storm surge. These effects can cause severe damage to your property. For example, water can get into electric items, like televisions, destroying them. Also, mud and dirt might get washed into the property. This can ruin flooring and damage furniture. Now that we understand the most common types of damage that you can expect after a hurricane, let’s look at how you should handle the insurance claim.

Filing A Claim

When you return to your home after a hurricane, the scale of damage can be overwhelming. Thankfully, if you purchased hurricane insurance, you should be able to claim damages. This money will allow you to start repairing the damage. However, there are a few things that you can do to ensure that you get everything that you are entitled to. First, you need to make sure to take pictures of the damage. You should do this as soon as you arrive back at the property. Also, take as many pictures as possible. Your hurricane lawyer might use them as evidence in your court case. You should also go through the home and make a note of everything that was damaged in the hurricane. It’s important to make this list as thorough as possible. Often, if you forget to list something, you won’t be able to include it on your claim. Finally, you shouldn’t clean the property. Though you might need to rent a hotel for a few days, you will be better able to show your situation to an insurance assessor. This will let them better understand your situation. The next step is to contact your property damage lawyer.

Contacting Your Lawyer

Once you’ve finished assessing the property damage you should contact your hurricane lawyer. Try to do this as quickly as possible. This will ensure that your memory of the damaged areas is as clear as possible. It will also allow them to start preparing the paperwork. The quicker this task is complete, the faster you will be able to get compensated for the damages you’ve received.

During the initial meeting, you should discuss the state of your home and any property that was damaged in the hurricane. Your property insurance claim lawyer should also inform you of your legal rights. For example, they will be able to look at your insurance claim for you. This can tell them the maximum amount of damages that you will be able to receive. In addition, they can start communicating with the insurance company on your behalf. Your property damage lawyer will also consider the amount of evidence that you have. For example, they might request that you take additional photos to help you strengthen your case.  Once they’ve got all the paperwork in order, they will be able to file your claim.

After they file the claim, an assessor will attend your property. They will then assess the damage of the hurricane. For example, they will look at the value of the property that was lost or destroyed during the storm. They will also assess how much it will cost to repair some items. They will then use this information to determine the total amount of damage that you received during the hurricane. Often, it can take a while before they reach their decision on how much you will receive. While you wait, you can return to the property and start to clean it up. Once the assessor has made their decision, your insurance claim will be paid. You can then use these funds to repair your property and replace any items that might have been damaged during the storm. While many insurance companies will try to make this process as simple as possible, some might not act in your best interest. Thankfully, you can use a property damage lawyer to make sure that you get the full amount that you are entitled to.

Insurance Companies Acting In Bad Faith

It can be frustrating if your insurance company doesn’t want to pay you the right amount of compensation. Often, they do this to try to save the company money. If everyone gets paid the full amount, the insurance company might make a loss. There are a few ways that the insurance company can try to save money. First, they might pay you less than the damages you’ve received. Alternatively, they might try to delay the payment, making you wait a long time before you receive compensation. Finally, they might try to deny the payment. If they do this, you might not get any money at all. Thankfully, our team of property insurance claim lawyers is skilled at handling these types of cases. We will be able to fight these insurance companies to get you the compensation that you deserve. Let’s look at some of the ways that we can do this.

First, we have the legal experience to make your insurance claim as strong as possible. For example, we will make sure that you provide plenty of evidence to support your claims. This will help reduce the chances that your claim will be rejected. It will also give you a higher chance of winning your case when you decide to appeal the decision made by the insurance company. In addition, during the assessment process, we will be able to talk to representatives from the insurance company for you. Sometimes, the insurance company will contact you and ask you questions about the accident. When this occurs, they will be looking for evidence that the damage isn’t as bad as you first reported. They have multiple inquires that they might use to try and trip you up. Anything you say during these conversations can be used as evidence in court. For this reason, you should direct any calls to your hurricane damage lawyer. They will be able to provide any information the insurance company needs, without giving them anything that could be used to weaken your claim or damage your case.

When you hire one of our property insurance claim lawyers, we can evaluate your case for you. This can help us determine if you’ve been fairly compensated by your insurance company. If we decide that the insurance company has acted in bad faith, we can appeal their judgment. Then, our experienced legal team will be able to act on your behalf to ensure that you get the full amount that you are entitled to. This can often be a complex area of law. For example, we will need to look at the contract that you signed with your insurance company. This may determine the kind of compensation that you are entitled to and the maximum amount that you can receive on your claim. Often, we will be able to settle the matter outside of court. This will help you get your money faster. It will also help the insurance company avoid any negative public relations. However, if we have to, we are prepared to go to court.

Conclusion

Hurricanes can be highly dangerous. For your safety, if you are in the natural disaster's path you should leave your property and possessions behind. This will ensure that you are family will be safe from the storm. However, it can be highly upsetting when you return to find your property has been damaged or destroyed. Thankfully, if you have hurricane insurance, you will be protected financially. Our experienced Fort Lauderdale team can help you prepare your claim. This will ensure that you get the maximum amount that you are entitled to. We can also help if your insurance company acts in bad faith, trying to reduce or deny you the compensation that you are entitled to. So, contact The Injury Firm today to learn more about how we can help you recover after Hurricane Dorian.

Hurriсаnе and Tropical Storm Inѕurаnсе Claims Lаwуеrs

blue tarped roof hurricane damage

Hurricane Dorian Expected to be Cat. 4 By Possible Florida Landfall - Be Prepared

Our Hurricane and Tropical Storm Insurance Claims Lawyers provide Free Consultation for Hurricane Dorian property storm damage.

Aftеr a hurriсаnе or tropical storm, mаnу hоmеоwnеrѕ lооk аt thеir inѕurаnсе роliсiеѕ for thе firѕt timе аnd find оut thеir inѕurаnсе роliсiеѕ wоn’t соvеr all the lоѕѕеѕ thеу ѕuѕtаinеd. Mоѕt hоmеоwnеrѕ dоn’t hаvе flооd inѕurаnсе, uѕuаllу bесаuѕе thеу wеrе nеvеr rеԛuirеd tо buу. Yоu’rе required tо buy flооd inѕurаnсе if уоu livе in a flооd zоnе оn FEMA’ѕ flооd mар, but hurricanes оftеn dаmаgе аrеаѕ thаt аrеn’t dеѕignаtеd аѕ flооd zоnеѕ. And duе tо thе аnti-соnсurrеnt саuѕаtiоn сlаuѕе, уоur hоmеоwnеrѕ inѕurаnсе won’t еvеn рау fоr wind dаmаgе if it оссurrеd along with an event thаt’ѕ еxсludеd in thе роliсу, ѕuсh аѕ flооding.

You рurсhаѕеd рrореrtу insurance аnd mаdе аll уоur рrеmium рауmеntѕ оn timе. Now уоu filеd a claim due to dаmаgе frоm thе hurricane or tropical storm, аnd your рrоvidеr fails to рrоvidе you with the mоnеу уоu need. If you have a dеniеd hurricane inѕurаnсе сlаim, оr the аmоunt оf mоnеу thаt iѕ оffеrеd as a rеѕоlutiоn iѕ tоо low, you hаvе thе right to filе a dispute оr appeal. Thе lаw allows уоu tо filе a lаwѕuit against аn inѕurаnсе company if thеу act in bаd fаith. If you have a diѕрutе regarding an inѕurаnсе сlаim, it iѕ hеlрful to contact a Flоridа hurriсаnе inѕurаnсе diѕрutе lаwуеr аѕ soon аѕ роѕѕiblе.

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The Injury Firm
2000 N.E. 45th Street
Ft. Lauderdale, FL 33308

Phone (954) 951-0000
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Fort Lauderdale

2000 N.E. 45th Street
Ft. Lauderdale, FL 33308

Phone (954) 951-0000
Fax: (954) 951-1000
Email: info@flinjuryfirm.com

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West Palm Beach, Florida 33401
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Toll-free: 833-332-1333
Email:< info@flinjuryfirm.com

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The information contained in this website is provided for informational purposes only.  This website may contain information about The Injury Firm's past results, testimonials about the firm or a lawyer within the firm, and statements regarding the quality of The Injury Firm's work product. This information has not been reviewed or approved by The Florida Bar. Please be advised that: 1) the facts and circumstances of your case may differ from the matters for which results and testimonials have been provided: 2) Not all results of cases handled by the firm or its lawyers are provided and not all clients have given testimonials; and 3) The results and testimonials provided are not necessarily representative of results obtained by the firm or by its lawyers or of the experience of all clients or others within the firm or its lawyers. Every case is different, and each client’s case must be evaluated and handled on its own merits.

  

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