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HURRICANE DAMAGE

 

As Florida residents know, enjoying the sunshine and tropical climate of our state also means being exposed to brutal and often sudden storm conditions, including hurricanes and tropical storms. Unfortunately, insurance companies do not always honor their financial obligations under the policies they issue. When this happens, you are left with repairs to your home or business that you can’t afford.

HELP FOR UNDERPAID AND DENIED HURRICANE INSURANCE CLAIMS

Our dedicated and experienced team at Murray Law Group knows that keeping your home livable or your business viable can be dependent on receiving storm damage relief. The Florida insurance claim attorneys at our law firm have recovered millions for clients who have been wronged by their insurance company’s improper denial of insurance coverage or underpayment of insurance benefits owed.

Murray Law Group is ready to help with your storm damage claim. Our legal team assists you in every step of the hurricane claims process. We help you determine the coverage available under your policy, advise you on the terms and conditions you must comply with in order to preserve your right to insurance benefits and evaluate the benefits owed to you. We work to hold your insurance company accountable if it does not provide you the coverage you paid for when you purchased the insurance policy.

It’s hard to predict how any business, building, home, condominium unit or other structure will hold up to a storm. When hurricane damage does occur and a claim needs to be filed, many policyholders are unsure how to proceed and best demonstrate that they are owed coverage.

If a hurricane has damaged your property:

  1. Immediately report the claim to your insurance company.
  2. Take steps to protect your property from further damage.
  3. Document all existing damage with photos and videos.
  4. Create a written inventory of all damages.
  5. Keep a file for any documents or information you receive regarding your claim.
  6. Retain copies of all documents sent to you by your insurance company.
  7. Save receipts for expenses related to the damage, repairs and living expenses.
  8. Keep a written log or journal of all communications with your insurance company or adjuster.
  9. Familiarize yourself with the terms and conditions of your insurance policy.
  10. Hire professionals to assist you in the claims process. 

If you are notified that your claim has been rejected or denied (or that you will receive significantly less money than is required to complete the repairs to your property), it is time to contact a Florida hurricane claims attorney. Insurance companies make their profits from the peace of mind they sell their policyholders. Sadly, they sometimes protect that profit by denying or minimizing the claims of those same customers.

WHY CHOOSE MURRAY LAW GROUP FOR YOUR HURRICANE CLAIM?

Our Florida property insurance lawyers have handled countless insurance claim cases all over the state for more than 50 combined years. We are not a general, “do all” law firm, but rather a law firm that specializes in property insurance claims. Our experience in property insurance law empowers us to successfully resolve our clients’ disputed coverage and valuation claims.

If you are fighting your insurance company for fair compensation, you’ll need lawyers who know how to read your policy and offer you accurate advice to be successful in your claim or coverage dispute.

We know that our clients face enormous financial hardships because of these storms. That is why we accept many cases on a contingency-fee basis. With these cases, we charge the client nothing—no costs or fees—unless and until we recover compensation for a denied or disputed insurance claim. Furthermore, in some claims, Florida law may allows us to seek our legal fees and costs directly from the insurance company, over and above the insurance coverage benefits we obtain for our clients.

Whether you are getting ready to make your claim for hurricane damage or have already reported your claim, contacting Murray Law Group could help you avoid forfeiting insurance coverage that is rightfully yours or accepting less than what you are owed for all your insured losses.

The Florida insurance lawyers of Murray Law Group offer free initial consultations. If needed, we can travel to you. Call our firm at 855-269-4317 now for more information about hurricane insurance claims.

Hurricane Damage Claims FAQs

If your insurance company underpays your claim, it's essential to review your policy carefully to understand what coverage you're entitled to. Insurance companies sometimes underestimate repair costs or fail to account for all the damage. You have the right to dispute the amount by providing evidence of the true extent of the damage. Hiring a Florida hurricane claims attorney can help you challenge the underpayment and seek the full amount you are owed.

Under Florida law, you typically have three years from the date of the hurricane to file an insurance claim. However, it’s important to report the damage as soon as possible after the storm to avoid complications. Promptly filing your claim also ensures you comply with any policy-specific deadlines, helping you preserve your right to benefits.

Yes, most insurance policies require you to take reasonable steps to prevent further damage after a hurricane. This includes temporary repairs like covering broken windows or tarping a roof. Failing to take these actions can give your insurance company grounds to deny the claim. Document all steps you take and save receipts for any temporary repairs to protect your claim.

Claims are often denied for reasons such as missed filing deadlines, lack of sufficient documentation, failure to meet policy conditions, or disputes over whether the damage was caused by the hurricane or pre-existing conditions. Working with an experienced attorney can help you overcome these hurdles by ensuring all necessary evidence is collected and policy requirements are met.

Homeowner’s insurance policies in Florida may not cover every type of hurricane-related damage. While wind damage is typically covered, damage caused by flooding usually requires a separate flood insurance policy. Reviewing your insurance policies carefully or consulting an attorney can help you understand what is and isn’t covered under your specific coverage.

Yes, if your business was forced to close due to hurricane damage, you may be entitled to business interruption coverage. This type of insurance can help cover lost income and operating expenses while your business is closed for repairs. It’s important to document all financial losses and provide detailed records to your insurance company to support your claim.

If your claim is experiencing unreasonable delays, this may be a sign of bad faith practices by your insurance company. Insurance companies are required to process claims within a reasonable time frame. If delays continue, it may be time to consult a hurricane damage claims attorney who can help expedite the process and ensure your rights are protected.

To avoid jeopardizing your claim, make sure to document the damage thoroughly, keep all communication with your insurance company in writing, and follow all policy requirements closely. It’s also advisable to avoid accepting an initial lowball offer from your insurer without seeking legal advice. Working with an attorney can help you navigate the process without making costly mistakes.

A lawyer with experience in hurricane damage claims can assist you by reviewing your insurance policy, gathering evidence to support your claim, and negotiating with your insurance company. If necessary, they can take legal action to hold your insurer accountable for denying or underpaying your claim. Hiring a lawyer can significantly improve your chances of receiving fair compensation.

If your property has been damaged by a hurricane and you’re unsure how to proceed, Murray Law Group can help guide you through the claims process. Whether you’re just getting started or dealing with a denied or underpaid claim, our experienced attorneys can help ensure you receive the compensation you deserve. Contact us today for a free consultation to discuss your hurricane claim and learn how we can assist you.

CALL A FIRM WITH 50+ YEARS OF EXPERIENCE

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Murray Law Group’s Florida insurance attorneys have recovered hundreds of millions for thousands of clients in Florida. Our award-winning team has the expertise and in-depth knowledge to build strong cases for victims of bad faith insurance claims.

CONTACT AN ATTORNEY TODAY FOR A FREE NO-OBLIGATION CONSULTATION

We offer free initial consultations in English or Spanish, and we can travel to you when you need it. Call our firm at 1-855-269-4317 today.

When you book a consultation with Murray Law Group, you’ll speak with a real attorney about your case not a case manager or assistant.

CALL NOW FOR A CONSULTATION