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Hurricane Insurance Claims in Florida

by | Last updated Mar 2, 2022

Need Help with a Hurricane Property Damage Claim? Denied Claim from Insurance?

If you experience difficulties in getting your insurance company to live up to its obligations, an attorney at Shiner Law Group can help you to get things back on track.

Problems You Might Encounter with an Insurance Company After a Hurricane

    Hurricane Injury Claims

  • Making a lowball initial offer that is beneath the amount your policy is entitled to, in the hopes you’ll be unaware of the discrepancy and agree to it
  • Requesting unnecessary paperwork, or paperwork that they know will be difficult or impossible for you to obtain
  • Trying to deny repairs or damages that they are legally obligated to pay
  • Claiming that damage caused by the storm was pre-existing

Image Source: https://en.wikipedia.org/wiki/Hurricane_Matthew

Living in Florida comes with many wonderful benefits. There are some costs to all these perks, however. Perhaps the biggest cost is the annual hurricane season. At least one tropical cyclone has hit the state every year since 2000. During the prime hurricane season, which runs from June to October, the state usually sees at least $10 million in property damage due to various storms. This number can get up into the tens of billions of dollars with the largest storms, as it did with Charley in 2004 and Wilma in 2005.

Florida law requires that all property insurance sold in the state cover damages caused by a storm that is officially categorized as a hurricane by the National Weather Service. This includes both personal lines (such as a direct policy for your own home or condominium) and commercial lines (insurance provided as part of a lease or membership in an owner’s association). The time period covered extends from when the first hurricane watch or warning is issued through 72 hours after the final watch or warning. This insurance is required to cover damage from wind, all forms of precipitation, sand and dust that occurs both outside and inside of a structure.

If your property is in the path of a hurricane, the ideal situation is that there is no bodily injury and that your insurance company promptly upholds its financial obligations to you. Unfortunately, insurance companies don’t always live up to these obligations. They may try to avoid approving your claim, or make an offer that is substantially lower than the compensation you are entitled to. They may also try to unreasonably delay your claim through a variety of means.

If you experience difficulties in getting your insurance company to live up to its obligations, an attorney can help you to get things back on track.

How Shiner Law Group Can Help

You have a legal right to dispute questionable actions and refusals made by the insurance company. Florida common law recognizes “bad faith” claims against insurers when they can be shown to intentionally be trying to slow up or unfairly deny or limit a claim. Insurers are required by the state to be fair and act in good faith, whether processing a claim from a customer or defending a customer against a third-party claim.

Bringing these matters to court is tricky and requires the assistance of a professional attorney, however. Without an attorney, a case is extremely likely to be thrown out. Shiner Law specializes in Florida hurricane insurance claims and has over a decade of experience in representing property owners and renters who have been wronged by their insurance company.

We’d love to help you to get the compensation you deserve. Call Now for a FREE Immediate Phone Consultation at 561-777-7700, 24 hours a day. Our operators will begin processing your case and get you set up with an appointment time that works for you.