Florida is known for its sandy beaches, breathtaking views, and warm weather. Unfortunately, the state is also synonymous with hurricanes. From Andrew to Irma, Florida has endured some of the most destructive storms on record.
If you’ve sustained property damage in a hurricane, you might be wondering how you’ll recoup your losses. Insurance companies are notoriously difficult to deal with, especially regarding hurricane claims.
Fortunately, Morgan & Morgan is here to help. Our hurricane insurance lawyers can fight for the compensation you need to get your life back on track.
Schedule a free, no-risk case evaluation to get started.
Hurricane Insurance in Florida: The Basics
Your home is one of your most valuable investments. Your homeowners insurance policy is there to protect it. But even the best policy may not account for every type of damage, so it’s important to understand what is and isn’t covered.
In Florida, homeowners insurance generally covers wind damage but not water damage. Therefore, you need a separate flood insurance policy. Together, these policies protect against the two main problems hurricanes yield: wind and water damage.
There is a special deductible for hurricane damage in Florida. The insurance company won’t pay for any damages until the deductible is reached.
Common Insurance Company Tactics
Because insurance companies are motivated by profits, they generally don’t prioritize the best interest of their policyholders. In an effort to pay as little as possible, they may:
- Undervalue or deny your claim
- Neglect to pay your claim under the correct coverage category
- Delay the processing or payment of your claim
- Refuse to make payment unless you sign a release of supplemental claims
- Incorrectly assert that some damages are not covered under your policy
The insurance company might try to convince you that you don’t need an attorney or that an insufficient settlement is the best result you’ll get. Don’t buy it. Our legal team understands how to counter the insurance company’s tactics and maximize the compensation our clients receive.
What’s more, we work on a contingency arrangement, so our payment is contingent on us successfully resolving your claim. There are no upfront costs, and there’s no risk to you.
Contact a Florida Hurricane Insurance Attorney
If you encounter difficulties trying to recoup damages following a hurricane, Morgan & Morgan’s Florida attorneys are here to help. With more than two dozen offices across the state, we have the resources and know-how to help you recover the compensation you are owed.