Insurance companies in Florida are just like every other type of insurance company. If they can get away with paying the minimum, that is their number one goal. When the adjuster comes out to assess your hurricane damage, their mission is to find an alternative to attribute the damage to that isn’t under their coverage to ultimately reject the hurricane claim. If they can’t find that, they aim to uncover a part of the process where you did not perform the actions you should have done, like mitigating the damages after the storm. The most frequent explanations given by insurance companies for rejecting storm damage claims are listed below.
Frequent Reasons Insurance Companies Deny Hurricane Claims in Florida
- Lack of coverage – The number one reason insurance companies use to get out of a claim. Insurance adjusters’ main goal is to find another element to blame the damage on, like a flood. Florida is unique to other states, though. Due to the storm surges, our attorneys actively take on Hurricane Ian flood damage claims.
- Documentation of evidence –
- Take photos of the damages immediately to document the structural damages related to the storm.
- Document all the costs for repairs. When choosing a contractor, ensure he is licensed and records all the repairs in-depth with the price.
- Policy coverage too low – Most homeowners insurance policies have a maximum. This is why documenting your repairs is crucial. If a hurricane is coming, it can also be good to check with your insurance company and adjust your coverage before you are hit. (Hindsight is 20-20, but hopefully, this helps in the future)
- Damages not mitigated – Once your property is damaged, try to reduce future damages as much as possible. Tarp all roof issues and any structural damages that could allow excess water in. You do not want the insurance companies to be able to blame a future storm on the damages.
- Damages were pre-existing – Do you live in an area with a threat of being hit by a hurricane? We recommend you document your property regularly. The insurance company may not cover the fixes if your property has a pre-existing condition and is also affected by a storm.
Insurance Companies Our Lawyers Assisted in Filing a Lawsuit in Florida to Recoup Losses from Hurricanes.
(Do you see your insurance company below? Have they denied coverage for your hurricane claim? Reach out today! We can help you through this process and get you the money you are entitled to. (We are taking in several Hurricane Ian cases daily.)
- 21st Century
- ASI Progressive
- Accident Fund
- Ace
- Allied
- Allstate
- American Family Insurance
- American Integrity Insurance of Florida
- Axis Insurance Company
- Berkley Insurance Company
- Chubb
- Federated Insurance Company
- First Protective Insurance Company
- Florida Family Insurance Company
- Florida Peninsula Insurance
- Heritage Insurance
- Liberty Mutual Insurance Company
- Nationwide
- Olympus Insurance Company
- Progressive
- Safe Harbor Insurance Company
- Security First
- State Farm
- Tower Hill Group
- USAA
- United Property & Casualty Insurance Company
- Universal Insurance Company
Don’t see your insurance company? Our list of insurance companies we can help file a Florida hurricane claim against is over 1100 companies long… Reach out today at (407) 743-6247 to find out if we can help you with your lawsuit today. It won’t cost you a penny!
When Should You Hire a Florida Hurricane Lawyer to Support a Lawsuit against Your Insurance Company?
A Florida hurricane damage lawyer should be retained before you consider filing an insurance claim. The insurance procedure is a game; if you don’t keep up with the latest strategies, you risk being taken advantage of and not receiving the full value of your claim.
When property damage has already occurred from a storm, it is essential to contact a Florida hurricane damage lawyer to handle your case. Attorneys for hurricanes have performed this procedure countless times and have a precise approach to follow. Contact one of our Florida hurricane attorneys immediately for a free case evaluation.
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