If you currently reside in the south of Florida, it is not uncommon that you take a number of precautions each year when hurricane season is approaching. In fact, it’s likely that you go through the process of gathering supplies, putting up hurricane shutters and ensuring there is enough to eat and drink in the instance that a hurricane begins to brew. You have also probably taken out insurance on your home so that you know you can afford any necessary repairs that would be needed after a hurricane. This is supposed to put you at ease.
Unfortunately, many people find that when the time comes, insurance companies don’t always hold up their end of the bargain. This is something that people all over Florida are discovering right now in the aftermath of Hurricane Irma. Insurance companies are using loophole after loophole to deny coverage or low ball insurance settlements so that those who are in need will take anything they can get over nothing at all.
If you have been struggling to get your insurance company to pay you what you are due under your policy, know that you have the ability to fight. Alex Hernandez Trial Law wants to represent homeowners, property managers and more with getting the compensation they are due after this horrible natural disaster. Continue reading below to learn how our legal team can help you.
What types of damage are covered by hurricane damage insurance?
With excessive rainfall and forceful winds, hurricanes and tropical storms can do excessive damage to your property. As you probably know, Florida law requires that homeowners have insurance policies that include hurricane coverage. In most cases, insurance policies should cover:
- Damaged flooring
- Roof damage
- Damaged garages or property extensions
- Damage from flying debris
- Broken windows
- Moisture damage (mold or water damage from flooding)
Then again, your individual policy will be based solely on what is contained in the fine print of your policy itself. Consider the following things when looking at your paperwork:
- Think about where your home is located. If you live on the coast, your policy could potentially not cover your damages.
- What kind of damage occurred. If the damage is inside your home as well, your insurance company may not cover the cost of repairs.
- What your policy says about flood damage. Look at the specific wording in your policy and what it says about damage exclusion.
Do not be fooled, your insurance company knows your policy so much so that they might as well have memorized it. This is why you will need a legal team that can take a fine tooth comb to your policy to make sure that you recover as much compensation as possible.
How does the claim process work?
When a home is damaged by a hurricane, a claim should be filed as soon as it possibly can be once the storm has passed. The insurance company will then send an adjuster to your home to come look at the damage and assess it. At this point, they will estimate the cost of the repairs. You will then be offered a settlement based off how much the adjuster thinks your repairs will cost.
It is more likely than not that the amount offered to you will be lower than it should be. The insurance company wants to save money in any way that it can and therefore will take advantage of your desperation so that you take what you can get over nothing at all. It is important that you know that you have the right to appeal a denial or low settlement offer.
What types of excuses may your insurance company use?
It’s not uncommon that your insurance company will come up with a myriad of excuses as to why they cannot pay you as much as you are owed. Some of the most common excuses that insurance providers use to reject claims or offer extremely low offers are as follow:
- They will say that the water damage occurred after the hurricane.
- They will say that your house is not up to code. This will happen often with older homes, allowing the insurance company to claim the house was not structurally sound enough to withstand the storm.
- They will say your home is in an unsafe location. This will often be what people hear when their home is on the beach.
- They will say there was pre-existing damage.
- They will say that the damage was caused by storm surges or waves.
What can Alex Hernandez Trial Law do for you?
It can be extremely discouraging when your insurance company refuses to play fairly, especially when you really need their assistance to get back on your feet. The good news is, there is always a way to fight back. When you hire the expert legal team at Alex Hernandez Trial Law, we will go above and beyond to help you get work towards getting the settlement you deserve. Don’t let your insurance company victimize you. Instead, get the help you need and find out more about your legal options when you contact our Texas-based law office today.