Condo Hurricane Claims
Disaster recovery team helps Florida condo owners recover damages from hurricanes
Hurricanes are nothing new to Floridians but that doesn’t make the process of filing a condo hurricane claim any easier. Insurance companies can be difficult to deal with, which is particularly challenging when you have sustained property damage and are facing the financial burden of repair. The experienced Florida condo hurricane claims lawyers at Ged Lawyers, LLP helps Florida condo owners recover damages from hurricanes.
Condo owners have two insurance policies: the condo insurance they purchase for their individual unit, and the condo association policy, also known as the master policy. Condo association insurance policies vary significantly from one to the next, and may provide coverage for areas such as hallways and common rooms, swimming pools and roofs. Some policies cover the structure of individual condo units and fixtures. Standard condo insurance policies that condo owners purchase provide coverage for damage that is sustained due to wind, rain, and storm surge but does not provide coverage for flooding. Condo owners must purchase a separate flood insurance policy to cover property damage sustained from flooding.
My insurance claim was denied. What can I do?
It is not uncommon for an insurance claim to be denied by the insurer. When this happens, the first step is to request a written explanation of the reason for the denial of the claim. Perhaps the actual claim that was submitted is incomplete or the property damage that was sustained is not covered by the terms of your insurance policy. In some cases, the deductible has not yet been met or you failed to provide adequate supporting evidence of the damage. There are many reasons an insurance company may deny your claim but a denial is not final. Condo insurance policies – like other insurance policies – are legal contracts and both parties must satisfy their contractual obligations. Legal contracts are subject to interpretation by the courts and the Florida courts can reverse the denial of a claim. So if your insurer has denied your condo hurricane claim, take another look at your policy, confirm that the damage is covered under your policy, check that you have made all the payments and meet the deductible, and then review the written denial of your claim before speaking with an experienced disaster recovery specialist.
Sustain hurricane damage to your condo? Let us help
A hurricane’s heavy winds and driving rain can cause significant property damage to condos and other dwellings. If you sustained hurricane damage to your condominium, you may file a hurricane damage claim with your insurance company. Unfortunately, the hurricane claims process is challenging and insurance companies often deny claims for an assortment of reasons. Let us help. The disaster recovery team at Ged Lawyers, LLP, helps Florida condo owners recover compensation for property damage caused by hurricanes. Contact our office at 844-443-3529 or online to schedule a confidential consultation to discuss your condo hurricane claim.