Filing A Hurricane Damages Claim
When your home and property have been damaged or destroyed by a Florida hurricane, your first step ought to be to report your damages. You will also need to file your insurance claim as soon as is possible. Along with filing your damages claim, you should do your best to document your property damages. Take photographs of your home and the damage done to any personal items, catalog them, and take notes about the damages that correspond to the photos.
Many insurance companies require their insureds to take actions to mitigate additional damage. In other words, if you have suffered damages, your insurer may require you to make reasonable efforts to prevent your existing damages from being further exacerbated or worsened. Here's one example:
Suppose there is a leak from a damaged pipe. In order to mitigate your damages, you ought to call a plumber to stop the leak before the leak causes additional damage. Try to avoid paying any service professionals in cash. You ought to be able submit the repair bills as part of your hurricane damage claim.
Also, you will need to collect documents that can demonstrate your properties' value. Including receipts and credit card statements may be very beneficial to your overall claim. You will want to have all this at hand when you contact your insurer. Since filing a claim can be complicated, in the event you require assistance submitting your claim, or if your claim has been denied, you can get professional legal help from a damages claims attorney. An attorney that is experienced in handling damage claims can investigate your case, and help you obtain compensation.
Bad Faith Insurance Claims
Many potential bases exist for filing a bad faith insurance claim in Florida. For instances, if your insurer denies your damages claim without having a reasonable basis, this may give rise to a bad faith insurance claim. If your insurance company fails to compensate your damages after a hurricane, they are required to provide a legitimate explanation for the denial. If the insurer is unable to proffer a legitimate reason and have breached the terms of insurance with you, you may be entitled to recover in a bad faith insurance claim.
Our Florida insurance claim attorneys understand the importance of getting the settlement you need in order to move on with your lives. Our Florida hurricane attorneys have experience in helping victims of natural disasters-and other homeowners nightmares-recover from their loss. An experienced Florida hurricane attorney can help you to fight for the compensation that you need and navigate the tricky world of homeowners and hurricane insurance.
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