Hurricane/Storm Damage FAQ
Hurricane Damage Tips
Q: What are some tips for documenting hurricane damage?
A: Make sure to have current photos of your home so that you are able to show before and after pictures when making a claim.
Factors Affecting Hurricane Insurance Payout
Q: What factors can affect a hurricane insurance payout?
A: Not having proper representation and understanding what should be paid for in a claim is crucial as insurance companies will often settle claims for far less than what should actually be paid out.
Filing a Hurricane Claim
Q: What will happen if you don’t file a hurricane claim right away?
A: Delaying in filing a hurricane claim will cause an insurance company to scrutinize your claim and the reasons for the delayed reporting. Your claim should be filed when you first become aware of any hurricane damage.
Types of Hurricane Damage
Q: What types of damage result from a hurricane?
A: The most common type of storm damage after a hurricane is roof damage. Be sure to inspect the areas surrounding your property for any damaged shingles/tiles. Also, conduct a visual inspection of your roof to see if there are any displaced or missing shingles or tiles.
Steps to Filing an Insurance Claim After a Hurricane in Florida
Assess whether your home has experienced hurricane damage.
Consult with a knowledgeable attorney who will review your policy, including any limitations that you may not be aware of.
Have your attorney assist in making the claim on your behalf. This is crucial because homeowners commonly make statements to the insurance company that will negatively impact the outcome of the claim.
Common Tactics Insurance Providers Use
Q: What are common tactics insurance providers use to avoid paying policyholders?
A: Insurance companies will commonly deny claims by stating the cause of the water intrusion from your roof is the result of wear and tear. They will also avoid paying claims by stating that the amount of damage to your property does not exceed your deductible, leaving the homeowner with no payment.
Reasons for Denied Hurricane Insurance Claims in Florida
Q: Why do hurricane insurance claims get denied in the state of Florida?
A: Insurance companies are businesses just like any other company. A business exists to be profitable. As such, it should come as no surprise that insurance companies are going to strategically deny claims that should be covered so that they can continue to be profitable.
Wind Damage Coverage
Q: Do I need a separate insurance policy for wind damage coverage?
A: No, most carriers will include wind damage coverage in your general homeowners insurance. However, be cautious when reading the terms of your policy to understand what is excluded.