Insurance Claims & Disputes For Hurricane Damage In Florida: Understanding Your Options
In this article, you can discover:
- The potential consequences of hurricane damage.
- An explanation of policy wording for water damage.
- Common problems after hurricane damage.
Can A Home Insurance Company In Florida Deny Coverage For Hurricane Damage To A Home When No Separate Flood Policy Is Held?
Coverage for hurricane damage is a common issue, particularly in Orlando, where property damage attorneys frequently observe such cases. Flood damage is distinct from the coverage most people have under a regular property insurance policy. On the other hand, damage caused by wind-driven rain is often included in standard insurance coverage.
However, the damage occurred, insurance companies may try to exclude your claim by categorizing all water damage as flood damage. If you receive a claim denial, it’s helpful to consult with a property damage attorney to determine what your options might look like.
Will Total Destruction Of House After A Hurricane In Florida Result In No Coverage Due To Flood Damage Exclusion In My Policy?
The exclusion of flood damage in a homeowner policy is similar to the separate flood policy issue. Although flood damage is excluded and covered by the Federal Emergency Management Agency (FEMA), a house that has been water-logged after a hurricane is likely to have experienced wind-driven rain damage from top-down water. Hence, the presence of flood damage does not necessarily mean that no coverage will be available.
According To The Adjuster, Is The Damage To My Home Near The Coast Not Covered Due To Storm Surges Or Waves?
The wording of policies regarding water damage can differ. For example, while flood damage is not typically covered, damage caused by wind-generated waves may be covered. To determine whether coverage is available after a storm, it is advisable to seek an expert review of your policy.
Are Insurance Disputes And Denial Common To Hurricane Damage In Florida?
Insurance disputes and denials are common regarding hurricane damage in Florida. The frequency of such conflicts and denials can vary based on the insurance company’s policies. Many insurance companies prefer to deny claims due to the understanding that a significant portion of homeowners may not challenge their decisions.
Homeowners should be aware of the laws related to property damage and the option of seeking legal representation on a contingency basis to challenge insurance company decisions.
What Are The Most Common Problems People Face With Insurance After Hurricane Damage?
The most common issues include:
- Delays in claims determinations
- Lowball offers or underpaid claims
- Outright denied claims
- Poor quality of repairs carried out by insurance companies’ contractors
- Delayed payments after a settlement has been reached
- Insurance companies taking longer than the statutory 20 days to issue payment after a settlement has been reached.
With the guidance of a skilled attorney for Flood Insurance Claims, you can have the peace of mind that comes with knowing that we’ll make it look easy. For more information on Flood Insurance Claims Law in Florida, an initial consultation is your next best step. Get the information and legal answers you are seeking by calling (407) 915-5447 today.