Florida insurance companies are the same as any other type of insurance company. Their number one goal is to pay the least amount possible. The adjuster will assess the hurricane damage and try to find a way to assign the damage to someone else. If they can’t, the adjuster will reject the claim. If that is not possible, the adjuster will attempt to find a portion of the process in which you failed to take the correct actions, such as mitigating storm-related damages. Below are the most common reasons insurance companies give for rejecting storm damage claims.
Insurance companies deny hurricane claims in Florida for a variety of reasons.
- Insurance companies often use lack of coverage as a way to avoid paying a claim. Insurance adjusters are trained to locate another cause of damage, such as a flood. Florida is different from other states. Our attorneys are able to take on flood damage claims for Hurricane Ian due to storm surges.
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Documentation of evidence
- Photograph the damage immediately to document the structural damage caused by the storm.
- All repair costs should be documented. Before hiring a contractor, make sure he is licensed. Also, keep a detailed record of all repairs along with their price.
- Low coverage – Many homeowners insurance policies only cover a certain amount. Documenting your repairs is essential. It is a good idea to contact your insurance company in advance of a hurricane. This will help in the future.
- You cannot mitigate damage – After your property has been damaged, you should try to minimize future damages. All roof problems and structural damage that might allow water in should be tarped. Insurance companies should not be able blame future storms for the damage.
- Pre-existing damage – Are you in an area that is at risk of being struck by a hurricane or another natural disaster? It is important to regularly document your property. If your property is damaged by storms or has a pre-existing condition, the insurance company might not pay for repairs.
Our lawyers assisted insurance companies in filing a Florida lawsuit to recover losses from hurricanes.
(Do you see the name of your insurance company? Are they refusing to cover your hurricane claim? Contact us today! We are here to help you navigate this process and get the money that you deserve. We are currently accepting several Hurricane Ian cases each day.
- 21st Century
- ASI Progressive
- Accident Fund
- Ace
- Allied
- Allstate
- American Family Insurance
- American Integrity Insurance of Florida
- Axis Insurance Company
- Berkley Insurance Company
- Chubb
- Federated Insurance Company
- First Protective Insurance Company
- Florida Family Insurance Company
- Florida Peninsula Insurance
- Heritage Insurance
- Liberty Mutual Insurance Company
- All over the country
- Olympus Insurance Company
- Progressive
- Safe Harbor Insurance Company
- Security First
- State Farm
- Tower Hill Group
- USAA
- United Property & Casualty Insurance Company
- Universal Insurance Company
Are you not sure if your insurance company is listed? We have over 1100 insurance companies that we can assist with filing a Florida hurricane claim against. Call at (407) 743-6247 today to see if we can help. It’s free!
What is the best time to hire a Florida Hurricane lawyer to support a lawsuit against your insurance company?
Before you think about filing an insurance claim, it is a good idea to consult a Florida lawyer who has experience with hurricane damage. Insurance is a competitive game. If you don’t keep up to date with the latest strategies, your claim could be taken advantage of.
It is important to get help from a Florida hurricane damage lawyer if property has been damaged by a storm. This procedure has been done many times by attorneys for hurricanes and they know the right approach. For a free consultation, contact one of our Florida hurricane lawyers right away.
The post My Insurance Company Denies My Florida Hurricane Damage Claim appeared originally on Attorney at Law Magazine.