If your family suffered property-related losses due to Hurricane Ian, you may be able to collect compensation from your homeowner’s insurance. However, it may be difficult to do so. They could devalue or even deny your losses to avoid compensating you fairly.
A Naples personal injury lawyer from our firm can hold your insurer to account for the full value of your losses. Your lawyer can even appeal a decision your insurer has already made. In a free consultation, we’ll tell you more about how a GED Lawyers Naples Hurricane Ian lawyer will help you during this stressful time.
Is Hurricane Damage Covered by Homeowners Insurance in Naples, FL?
In many homeowners insurance policies, hurricane damage is covered with a hurricane deductible. If you have this coverage in your policy, it may be called “hurricane protection.” In many other policies, hurricane damage isn’t covered. You may, however, have this coverage in a separate policy. You might also have Naples flood damage coverage in another policy.
For example, suppose you have hurricane protection coverage in your homeowner’s policy. If heavy winds from a hurricane ripped the roof off your house and heavy rains from the hurricane flooded the inside of the house, you may need to access both your homeowner’s insurance policy and your flood insurance policy.
While the homeowner’s insurance coverage may come into play with the roof repairs, you will likely need to make a claim with your flood insurance provider for the water damage to your floor and walls.
With hurricane damage coverage, you’re entitled to compensation for property-related losses, such as the repairs your home needs. You may even receive compensation for living expenses. With flood damage coverage, you may have an easier time getting compensated for certain hurricane-related losses.
Through your policy or policies, you could recover the following losses from an insurance claim:
- The cost of getting debris around your home cleaned up
- The expense of having your home’s foundation repaired
- The costs of getting your doors, windows, and/or roof repaired
- The costs of getting your garage, shed, and/or fences repaired
- The expenses involved in repairing water damage
- The cost of relocation or a stay in a hotel
Is Hurricane Damage to a Boat Covered by Homeowners Insurance?
Hurricane Ian may have severely damaged your boat. If so, some of the damage may be covered by your homeowner’s insurance.
All the damage may be covered by boat insurance, however, if you have it. Your policy may not have hurricane or flood damage coverage, though. You might have this coverage in other policies.
Through your policy or policies, you may recover:
- The cost of getting wind damage to your boat repaired
- The cost of repairing a hull crack
- The expense of fixing damage due to beaching
- The expense of repairing water damage due to sinking
Is Hurricane Damage to a Car Covered by Car Insurance?
In some car insurance policies, hurricane damage is covered. However, it generally isn’t covered in Personal Injury Protection (PIP) insurance policies. Hurricane damage is typically covered in comprehensive car insurance policies.
A lawyer from our firm can check any of your policies to see whether you have coverage for hurricane damage.
Should I Hire a Naples Hurricane Ian Lawyer?
There are many reasons to hire a Hurricane Ian lawyer from our firm. For one, the lawyer will obtain a copy of your policy from your insurer (or obtain copies of all your policies from your insurers) and determine which losses you can recover. Additionally, your lawyer will:
- Hire a contractor to inspect your property damage
- Obtain documents, photos, and videos proving your losses
- Prepare an estimate for your total losses
- Go through your policy for any details that might affect your compensation
- Complete all the necessary paperwork for your claim
- Communicate with your insurer on your behalf
- Negotiate with the insurer for a fair resolution
- Appeal any claim denial
- Threaten the insurer with a lawsuit, if necessary
- Negotiate with a judge for a fair resolution, if necessary
Above all, your lawyer will help prevent the insurer from not compensating you fairly. To do this, your lawyer will inventory all your losses, determine their monetary value, and defend each of your losses and their values. Your lawyer can work with a contractor to do these things. Your lawyer could prevent the insurer from diminishing, delaying, or denying your claim. An insurer may argue that:
- Your insurance premiums weren’t paid on time
- Your losses aren’t proven
- Your losses existed before the hurricane
- You’re exaggerating your losses
- Your losses are due to water damage, which isn’t covered by your policy
Another Reason to Hire One of Our Lawyers
Something else your lawyer can do for you is help you meet the filing deadline for a Naples Hurricane Ian lawsuit. You and your lawyer may want or even need to file a lawsuit at any point in your case, so it’s important to meet the filing deadline.
In Florida, this deadline is three years from the date of your losses, according to Florida Statutes § 627.70132.
About Our Hurricane Ian Lawyers Serving Collier County
Our firm’s lawyers have been serving the people of Florida for decades now. During this time, our lawyers have helped many Floridians after suffering through many natural disasters, and today, our lawyers are helping Floridians after they suffered from Hurricane Ian.
Over the years, our team has built many important relationships with members of the Florida community. Many of these relationships are with Florida’s professionals, including contractors and doctors, who help our clients by corroborating their cases. Many of our other relationships are with our clients who help us by providing us with excellent reviews on Google. Today, we have over 200 excellent Google reviews. We also have excellent case results.
Our lawyers can serve our clients in several different languages, including Spanish, Arabic, Creole, Greek, Turkish, Russian, and Portuguese. We’d be happy to serve you in one of these languages.
Contact GED Lawyers for a Hurricane Ian Damage Lawyer in Naples, FL
With our experience, our attorneys know how to help you. One of our attorneys can file your claim for you or even appeal a decision your insurer has already made. Your attorney can also take your case to court if necessary.
In a free consultation, we’ll review your case and tell you more about what your lawyer will do for you. Afterward, if you decide to hire one of our Hurricane Ian attorneys in Naples, you can expect your attorney to stand up for you and fight for all your due damages. Contact GED Lawyers today to consult with us and learn your options.
