WIND INSURANCE CLAIMS

Insurance companies often deny claims for reasons such as insufficient documentation, policy exclusions, or failure to report the damage promptly. They may argue the damage was due to wear and tear as opposed to wind, or claim you didn’t take immediate steps to prevent further damage. If your claim has been denied, it’s essential to have an attorney review the denial and your policy for potential errors or bad-faith actions.

To avoid claim denial, report the damage to your insurance company as soon as possible, provide thorough documentation (including photos and repair estimates), and keep records of all communications. It’s also important to review your insurance policy in advance to understand any exclusions or limitations that may apply. Working with a qualified attorney can help ensure that your claim is properly filed and represented.

If you suspect that your claim was underpaid, compare the insurance company’s estimate to independent estimates from contractors or other professionals. An attorney can help you dispute the amount by reviewing your policy, negotiating with the insurance company, or filing a formal complaint to pursue the compensation you're owed.

Yes, hidden damage such as structural issues or leaks may not be immediately visible after a storm but can still cause significant problems. It’s crucial to have a thorough inspection of your property by professionals who can identify potential hidden damages. If these issues aren’t included in your initial claim, they can be added later, but it’s important to act quickly. Our team can help ensure that all damage, including hidden issues, is accounted for in your claim.

If your claim is delayed, stay persistent in your communications with the insurance company, documenting all interactions. Insurers are required by law to process claims within a reasonable time frame, and unreasonable delays may constitute bad faith. If delays continue, contacting an attorney can expedite the process and ensure the insurance company is held accountable.

Signs of bad faith can include unreasonable delays in processing your claim, denying a claim without a valid reason, failing to investigate your claim properly, or offering a settlement significantly lower than the value of your damages. If your insurer is engaging in these practices, it may be necessary to take legal action to protect your rights.

When choosing an insurance claim attorney, it’s crucial to select a firm that not only has deep experience with wind damage claims but also understands the specific challenges of Florida insurance law. At Murray Law Group, we stand out by combining decades of experience in insurance disputes with a proven track record of securing fair settlements for our clients. Our attorneys provide personalized attention to each case, ensuring that every client receives tailored legal strategies that address their unique situation. We also offer a free consultation and work on a contingency basis, meaning you won’t pay any fees unless we recover compensation for you—allowing you to pursue your claim without financial worry.

At Murray Law Group, we go beyond the basics to provide exceptional service and results. If you need help with a wind claim, contact Murray Law Group today.