The stresses of property damage after a hurricane can be compounded if your hurricane insurance in Florida company delays or denies your claims, which they very often do.
Fortunately, you have the right to receive all the benefits that are outlined in your hurricane insurance in Florida policy.
If you’re like millions of Florida homeowners, your home is probably in the path of one of the many hurricanes and windstorms that strike the state with unfailing regularity every year. This is the reason why homeowners in Florida invest in what they believe are strong hurricane insurance policies that can help mitigate their losses after a disaster. Unfortunately, homeowners often find that insurers are ultimately businesses that only protect their own bottom lines.
After a hurricane, home owners may find themselves facing thousands of insurance claims, and many companies begin to hassle policyholders, delaying claims, and even denying them. It’s not that hard for an hurricane insurance in Florida company to deny your claim. Your insurer may claim that the damage to your property was caused not by the actual storm, but by the flooding that was caused as a result, and therefore, is not covered in your hurricane insurance in Florida claim. You may also hear that the damage your property has suffered is not extensive enough, or not specific enough to be covered under your claim.
For these reasons, it is very important for homeowners not to be complacent because they have paid their hurricane policy premiums. Even if you have paid off all your premiums, you may still be hassled by an insurer whose main focus is reducing the number of claims, and minimizing claim payouts.
The Florida homeowner’s insurance attorneys at Falk & Falk Law Firm are dedicated to the representation of homeowners who are having trouble recovering compensation from their hurricane insurance policy.
What to Do after Surviving a Hurricane
- First, make a quick list of all the possessions in your home. If you have no pictures of the interiors, ask your friends and family members for photos.
- Try to limit damage to the home. Cover damaged interiors with tarp to prevent the development of mold.
- Make a list of all the damage-related expenses, and write these down carefully and thoroughly.
- Document all the receipts that you have incurred as part of your expenses.
- Screen potential hurricane damage restoration contractors, and get estimates from them.
- Contact your insurer as soon as possible.
- Document all contact details with your insurer. This must include every phone call that you make to your insurance company, and your insurance company representative as well as any visits by the insurer’s representative to the site.