Resolving Hurricane Insurance Claim Confusion In Florida
Sadly, many Florida homeowners and condominium associations are being given the same disappointing answer from their insurance companies after suffering significant damage from Hurricane Irma: the insurance company thinks that patchwork repairs are enough to fix the problem, while contractors indicate that a complete replacement is necessary. Unfortunately, these battles are now preventing many from moving forward and getting property damage addressed, leading to many to turn to attorneys to assist with ensuring that the insured’s rights under the insurance policy are enforced. Flood Insurance Can Be Tricky One of the most common issues we hear about is being provided different instructions by different people from the insurance companies, and having to resend flood insurance claims several times as a result. Although many insurance agents sell these flood policies, a lot of them still do not have experience with the national flood insurance, which can lead to issues later on in getting claims addressed. With other flood-related claims, people are sometimes told that they cannot file claims at all because they only have coverage for the contents in the home, “loss of use” coverage in case their home suffers such significant damage that they can no longer live in it, and coverage for the home’s structure. Some Issues Cannot Be Repaired The problem is that few insurance companies are willing to admit that “loss of use” has been satisfied, and officially find that a home needs to be rebuilt, not repaired. Certain types of structural damage simply cannot be fixed, leading many to move on past trying to deal with their insurance companies and, instead, filing a dispute with the Federal Emergency Management Agency (FEMA), asking the agency to declare their homes to be a total loss. Unfortunately, FEMA is dealing with so many similar claims that the backlog alone means that people won’t hear back for months on end, leading many to simply take the flood insurance funds that they receive to pay down their mortgage to lessen the cost of the inevitable: ultimately demolishing and rebuilding their home. Prepare Yourself: Prevent Surprises Understanding the limits of your coverage before disaster strikes is crucial, as many people only take out $10,000 worth of insurance to cover contents, and then, due to unexpected flooding, end up claiming $22,000 in loss. Flood insurance policies also do not tend to cover temporary housing, to the surprise of many families. Florida Hurricane Insurance Claim Attorneys Serving Property Owners If your home or association suffered damage due to a hurricane, contact one of our Fort Myers hurricane insurance attorneys today to find out how we can help. The hurricane insurance claim attorneys of HD Law Partners know what it takes to win cases against big insurance companies—we’re here to help. Resource: news4jax.com/consumer/insurance-confusion-whats-covered-whats-not-after-hurricane Tags: Florida Hurricane Claim Attorney, Florida Hurricane Claim Attorneys, Hurricane Claims Posted in Homeowners Insurance, Hurricane Claims | No Comments » Connect with us Archives May 2026 April 2026 March 2026 February 2026 January 2026 December 2025 November 2025 October 2025 September 2025 July 2025 June 2025 January 2025 January 2024 December 2023 November 2023 October 2023 September 2023 August 2023 July 2023 June 2023 May 2023 April 2023 March 2023 February 2023 January 2023 December 2022 November 2022 October 2022 September 2022 August 2022 July 2022 May 2022 April 2022 March 2022 November 2021 October 2021 September 2021 August 2021 July 2021 May 2021 April 2021 March 2021 February 2021 January 2021 December 2020 November 2020 October 2020 August 2020 July 2020 June 2020 May 2020 April 2020 March 2020 February 2020 January 2020 December 2019 November 2019 October 2019 September 2019 August 2019 July 2019 June 2019 May 2019 April 2019 March 2019 February 2019 January 2019 December 2018 November 2018 October 2018 September 2018 August 2018 July 2018 June 2018 May 2018 April 2018 March 2018 February 2018 January 2018 December 2017 November 2017 October 2017 September 2017 August 2017 July 2017 June 2017 May 2017 April 2017 March 2017 February 2017 January 2017 December 2016 November 2016 October 2016 November 13 Categories Alimony Appellate Arbitration Auto Accidents Auto Insurance Business Corporate Business Insurance Law Child Custody Child Support Criminal Law Divorce Family Law FEMA Insurance Payments Florida’s Mandatory 2‑Hour Legal Professionalism CLE: Foreclosure Defense Fort Myers Hurricane Insurance Attorney General Guardianship HD Law Partners Service HOA/Property Management Homeowners Association Homeowners Insurance Hurricane Claims Hurricane Insurance Insurance Bad Faith Insurance Claims Insurance Defense Insurance Litigation Landlord Tenant Law Enforcement Liability Loan Modifications Mold Water Damage Parental Rights Paternity Personal Injury Premises Liability Law Prenuptial Agreements Private Security Property Distribution Property Owner Law Sarasota Insurance Litigation Attorney Slip Fall Tampa Business and Corporate Attorneys tampa family attorney Tampa Insurance Attorneys Timeshare Timesharing Uncategorized HD Law Partners is proud to be your trusted full-service law firm Quick Links Property & Casualty Business & Corporate Litigation Family Law Contact Us Careers Get In Touch 2002 North Lois Avenue Suite 510 Tampa, FL 33607 813-253-5333 Contact Us