Boca Raton’s proximity to the ocean makes it a huge target for hurricanes. Ideally, hurricane season causes nothing more than a few overturned lawn chairs. In the worst-case scenario, you could be looking at thousands of dollars in property damage costs.
If you’re having a hard time filing an insurance claim after a storm, a Boca Raton hurricane property damage lawyer can help. GED Lawyers can file your claim, negotiate a settlement, and advocate for what you need. We offer free case reviews where you can explore your options now.
We Can Help File Your Insurance Claim in Boca Raton
Insurance should protect your assets in the aftermath of a serious weather event. When a hurricane hits, you expect to file a claim and get compensation. Unfortunately, not all insurance companies play by the rules––and some go to extreme lengths to deny homeowners what they need.
We intend to help you by:
Investigating Your Damages
When you hire us, we start by evaluating the liable policy and identifying your covered losses. We may use photos and videos of your property’s damage, statements from consultants, and other information to supplement your claim.
Sending Your Demand Letter
We kick off the claims process by sending a demand letter to the liable insurance company. This letter outlines the cause of your property’s damage, its extent, and how much money you’re requesting. The insurance company’s response dictates our next steps.
Negotiating With the Insurance Company
The claims adjuster may not offer what you need immediately. Here, your lawyer can negotiate with the liable insurer and pursue damages. Your hurricane claims lawyer may do this by presenting additional evidence. They might also determine whether another policy offers coverage.
Protecting You From Bad Faith Insurance Practices
The insurance company may put up roadblocks to prevent you from seeking damages. We can protect you from such delays by holding the insurer to its word.
Filing a Civil Lawsuit
We resolve many hurricane property damage claims in Boca Raton through negotiations. However, if the insurance company refuses to offer what you need, we can file a lawsuit based on breach of contract. Here, we allege that because the insurance company breached your contract, the court should award you damages.
We Abide by All Filing Deadlines When Submitting Your Hurricane Damage Case
The liable insurance company will have its own deadlines for accepting your claim. The deadline could be anywhere from a few days to a few years. However, if a lawsuit could yield compensation, then we must follow the state’s statute of limitations when filing.
Florida Statutes § 95.11 notes that you generally have five years to sue for breach of contract. This may seem like a long time. Yet, evidence (especially in property damage cases) is time-sensitive. We want all the time possible to build a solid case and seek what you need. So, we encourage you to connect with us as soon as possible.
Recoverable Damages in a Hurricane Property Damage Claim
Your recoverable damages largely depend on your insurance policy. You could have coverage for:
- Repairs to your home and free-standing structures
- Transportation costs
- Temporary relocation expenses
- The cost of boarding pets or eating out
- Materials to mitigate further damage to your property
- Mold and mildew remediation
Our lawyers want to recover everything you need from the liable insurance company. During your free case review, you can learn more about your recoverable losses and how our team can serve you.
Common Questions About Boca Raton Hurricane Property Damage Claims
GED Lawyers understands that you may have many questions about partnering with our legal team. Some of those questions may include:
Why Would the Insurance Company Deny My Hurricane Damage Claim?
There’s no telling why the insurance company would deny your claim. The claims adjuster may assert that you don’t have appropriate coverage. They may assert that the damage came from another event, and not the hurricane. One thing’s for certain: if the insurer denies your claim, it must offer a reason why.
We can evaluate the reason for your claim’s denial and take appropriate action. This may include presenting additional evidence, negotiating with the claims adjuster, and taking other action.
Does Hurricane Insurance Cover Water Damage?
It depends. Your insurance policy will likely cover water damage to your home’s structure, such as a collapsed roof or damaged siding. However, hurricane insurance usually does not cover flood damage. That’s generally a separate policy.
Our lawyers can review your coverage options and explain what you’re eligible to seek.
Does Hurricane Insurance Cover Damage to My Car?
If your car sustains damage due to a hurricane, then you could recover compensation through your auto insurance company. Yet, this can get complicated. Your auto insurance provider may argue that it doesn’t have liability––your homeowners insurance does. Then, your homeowners insurance may deflect liability elsewhere.
Your hurricane damage lawyer can manage all dealings with the involved insurance companies. We can determine liability for your losses and take action from there.
How Long Does It Take to Resolve a Hurricane Damage Claim?
There is no standard timeline for hurricane damage claims. However, we hope to resolve your case as soon as possible. That way, you can get the funds you need to start repairing your home or business. We can also counteract any attempts by the insurer to delay your case. We have no patience for uncooperative insurance companies that play games with our clients.
Contact Us Today for a Free Consultation
When your home, business, or another property sustains hurricane damage, you deserve financial recovery. Unfortunately, insurance companies don’t always play by the rules. Some have no problem asking for monthly premiums, but balk at the idea of having to pay for a claimant’s damages.
GED Lawyers advocates for people in your position. If you have damages from a hurricane, our property damage lawyers want to serve you. To begin your no-obligation case review, call now.