Hurricane damage can range from mild wind damage to significant flooding and complete devastation of your property. Hurricane Ian left thousands of families facing property damage and destruction. If you lost your home or had damage from the storm, your biggest concern may be how to recover.
Generally, you will contact your insurance carrier to get started with a claim. Insurance companies can be difficult to deal with on your own. A Florida Hurricane Ian lawyer from GED Lawyers can help you file your claim. Our legal team knows how to document your damage to recover the compensation you need.
What Can I Recover After Hurricane Ian?
Typically, homeowner’s insurance will cover property damage from hurricanes based on the amount of actual damages suffered. Not all insurance policies cover all types of damage caused by hurricanes, however. Many policies will cover wind damage, but may not cover flooding. Our Hurricane Ian property damage claims lawyer can help you understand what your policy will cover.
In addition to your homeowner’s policy, you may have hurricane coverage included in your auto policy. Standard car insurance coverage will likely not cover damage done by a hurricane. If you purchased additional auto insurance, you could be able to file a hurricane claim for damage done to your car.
Filing a Claim With Your Homeowner’s Insurance
The first step in filing a claim under your homeowner’s insurance policy is to collect as much information as possible, including:
- Photos and videos documenting the damage
- Statements from neighbors or other witnesses
- Estimates for repairs from reputable repair providers
Maintaining a notebook or file of all information about the hurricane and subsequent damage to your property is a solid recommendation. Include notes about any conversations you have with your insurance carrier. When you speak with anyone, record as much information as possible about the call, including:
- Names of any insurance personnel you talk with
- Phone numbers with applicable extensions
- Letters or emails you receive from the insurance company
- General notes about the conversations
Keeping all your information about your claim in one location and maintaining accurate notes about conversations can bolster your claim in case of a denial from the insurance company.
Additional Tips for Hurricane Claims
It is essential to protect your property from additional damage. If your roof leaks, make an effort to seal it from further damage by placing a tarp or other temporary protection. Move as much undamaged property into a safe location as soon as you can enter your property after the storm.
File your claim following a major weather event such as Hurricane Ian as soon as possible. Check your policy for rules on filing deadlines. Florida Statutes § 627.70132 dictates that property claims be filed within two or three years of the damage, depending on the policy type, but your policy may dictate otherwise. Our team can help you get your claim filed on time.
For a free legal consultation with a florida hurricane ian lawyer serving Florida, call (561) 995-1966
Benefits of Having Our Florida Hurricane Ian Lawyer Working on Your Claim
Your insurance claim could be straightforward and uncontested with minor hurricane property damage. However, in some cases, an insurance company may attempt to pay out as little as possible. Working with our Hurricane Ian lawyer can help your case by:
- Explaining the provisions of your homeowner’s policy
- Offering guidance when dealing with insurance adjusters
- Documenting your damage and the effect it had on your family
- Fighting for your benefits in the event of claim denial
- Communicating with your insurer
- Preventing you from accepting lowball offers from insurers
It is important to remember that insurance providers are for-profit companies. The money they pay out in claims takes away from that profit. Our Florida Hurricane Ian attorney can handle insurance communications to help you get the compensation you need.
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Watch Out for Bad Faith Insurance Practices
Occasionally, an insurance provider acts in “bad faith” and denies claims payments regardless of contractual obligations. An insurance policy is considered a legal contract. Suppose you, as the policyholder, have upheld your side by making premium payments. In that case, there are laws to protect you if the insurer fails to settle a valid claim.
Florida bad faith insurance laws are outlined in Florida Statutes § 624.155(1). If you believe your insurer might deny your claim for invalid reasons, you can speak with a Florida Hurricane Ian lawyer from our team for clarification and advice. Our team will fight to get you the insurance coverage and damage recovery you paid for.
Insurance companies often try to pay out as little as possible on claims. It is vital to understand your policy coverage. Having a Florida Hurricane Ian lawyer assist you in filing your claim may be helpful.
What Kind of Damage did Hurricane Ian Cause?
Hurricane Ian left a wide path of destruction across Florida. Depending on where in the state you reside, you may have suffered minor damage or complete property destruction. Some of the typical damage reported following Hurricane Ian include:
- Roof damage
- Broken windows
- Flooding and water damage
- Collapsed structures
- Debris deposited on the property
- Property damage to interior spaces
- Landscaping damage
- Damage to outside structures
Whatever damage you have, regardless of the severity, you deserve to have your claim paid promptly. Our disaster recovery team will work for you to get the recovery you deserve.
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Contact Us to Learn More About Our Florida Hurricane Ian Lawyer
If you sustained property damage from Hurricane Ian, contact GED Lawyers to fight for you. Our Hurricane Ian response team will work with you on an initial claim or file an appeal of a denied claim. Our experience in Florida spans many years and numerous significant storms. You can begin by calling our office for a free case evaluation. We fight hard to get you compensation to repair your property.