Your insurance may cover hurricane flood damage, such as flood damage from Hurricane Ian. However, our firm will have to look into it. Flood damage is a policy separate from homeowners and hurricane insurance policies. One of our lawyers can check if you have an insurance policy with flood damage coverage.
Your lawyer can also negotiate your insurance settlement for you. We can tell you more during a free consultation.
Overview of Hurricane Damage Insurance
Some homeowners insurance policies cover hurricane damage. If your policy covers hurricane damage, the policy may refer to it as “hurricane protection.” This insurance covers damage to your home and belongings as well as additional living costs.
Our firm can check whether your homeowners policy has hurricane coverage. However, it may not cover all your damages from the hurricane, and this could be a problem if you have flood damage. We will determine your options when we review your coverage.
What Does Home, Hurricane, and Flood Insurance Cover?
Generally, homeowners insurance covers damage from strong winds. However, that’s usually all it covers.
Hurricane insurance generally covers most or all the damage a hurricane causes. It can even cover living expenses. However, it generally does not cover hurricane flood damage.
Flood coverage is offered in many separate policies. It typically covers any damage due to flooding from a hurricane.
What Hurricane Damages Can I Recover Through Insurance?
Depending on which insurance policy or policies you have, you could recover many or all your damages, such as:
- Your expenses for having to relocate or stay in a hotel
- The expenses for having water damage repaired
- The cost of the service you need to clean up debris around your home
- The cost of the service for repairing the foundation of your home
- The costs of having your windows, doors, and/or roof fixed
- The costs of having your shed, garage, and/or fences fixed
One of our firm’s lawyers can check your policy or policies for damage coverage and see what’s covered and what isn’t.
Will My Insurance Cover Hurricane Flood Damage to My Boat?
If you have a boat and it was damaged in a hurricane, your homeowners insurance may also cover some damage to your boat. Boat insurance may cover all the damage, including damage due to flooding and even sinking.
However, your policy may not cover hurricane or flood damage. You may have other policies covering these kinds of damage.
Dealing with Insurance
Even if you have adequate coverage in your policy, your insurance company may choose not to cover your damages or choose not to compensate you completely. However, a hurricane damage lawyer from our firm can help prevent your insurer from treating you unfairly.
With assistance from a contractor, your lawyer will inventory all your damages and prepare an estimate of the total damage. Then, your lawyer will defend the legitimacy of your damages and the estimate. This will help prevent the insurer from devaluing or denying your claim, for example, by claiming you’re exaggerating your damages. Your lawyer could also counter a claim that your damages are due to flooding, which isn’t covered in your policy.
There’s a lot more your lawyer will do for you so you can recover fair compensation. Your lawyer will:
- Get a copy of your policy from your insurer and check which damages you’re eligible for
- Collect proof of your property damages
- File your insurance claim for you
- Communicate with the insurer for you
- Negotiate for a fair settlement
- Appeal a denial of your claim, if necessary
- Help you meet the deadline for a lawsuit at any point in your case
- Litigate your case, if necessary
About Our Hurricane Claims Lawyers in Florida
Our firm’s lawyers have been helping our state’s residents for decades. Many of our clients are victims of hurricanes, like Hurricane Ian. Our lawyers have been able to help these people recover the compensation they desperately need so they can rebuild their homes and lives.
Our team is closely connected to the Florida community. Our lawyers have great relationships with community professionals, like contractors and doctors, who can provide our clients with invaluable services, like court testimony.
Our lawyers also have solid relationships with their clients who have provided us with over 200 excellent reviews on Google.
Contact GED Lawyers for a Hurricane Flood Damage Lawyer Near You
Your insurance may cover hurricane flood damage, but our firm should look into it for you. One of our lawyers can negotiate your insurance settlement for you when an insurer is acting in bad faith. During a free consultation, we’ll tell you more about how one of our lawyers will help you recover your due compensation.
To consult with us for free, contact GED Lawyers today.