Hurricane, Wind & Storm Damage Claims Attorney in Tampa, Florida
If you purchased your home with a mortgage, you’ll be required to carry homeowners insurance per the terms of your loan. A homeowner policy offers protection against a number of damages and can save you thousands in the long term. Within each policy will be information specific to certain types of damage, specifically damage caused by a hurricane, wind, or storm. Understanding this language is key to being fairly compensated after you file a claim, yet many homeowners find these plans to be confusing and can become overwhelmed by the claims process.
If you’d like to speak with a wind damage, hurricane damage, or storm damage attorney in the Tampa, Florida area, reach out to Pekar Law, P.A. to discuss your options. Attorney Jeff Pekar is also able to represent clients throughout Western and Central Florida, including Orlando, Sarasota, Fort Myers, and Lakeland. Set up a consultation today.
Understand Your Home Insurance Policy
Anytime you purchase a policy for your home, you should ensure you fully understand your coverage details, including the procedure for filing a claim due to hurricanes, wind, and storms since this will differ among providers.
Hurricane Damages: Under most policies, damages caused by extreme winds and rain in a hurricane will be covered. However, living in Florida means that insurance providers are able to impose a hurricane deductible because we live in an area prone to weather like this. Read your policy to discover if you have a deductible and if so, how much it is. This is typically a certain percentage (usually 1% to 5%) of the value of your home.
Wind Damages: Wind can often do considerable damage to a home’s roof, siding or windows. In most cases, the wind can be the result of a hurricane, storm, tornado, or hail storm and most policies will cover the cost to repair or replace the damaged area. However, there may be deductibles and coverage limits.
Storm Damages: Storms can include blizzards, hurricanes, or ice storms and can cover damages related to these such as excessive snow or ice.
After Your Home Is DamagedContact an Attorney
The exact damages you’re able to receive will be highly dependent on the language within your policy. However, many people find they can significantly increase their compensation by working with a property damage attorney who can help collect evidence and negotiate with the insurance adjuster. Damages could include repair or replacement to areas of your home that were damaged by the weather, damage to other structures on your property such as a garage or shed, living expenses if you’re unable to live in your home due to the extent of damages, as well as personal property coverage for items destroyed or damaged by the wind, storm, or hurricane.
The Process To File a Claim
Most people are familiar with the basic process of filing an insurance claim—but when you’re facing extensive damage, you’ll want to ensure you do everything you can to receive the compensation you deserve.
Contact an attorney. Any time you’re dealing with a large insurance claim, it’s in your best interest to reach out to an attorney with experience helping homeowners pursue claims like yours.
Document the damage. Documentation is key to any successful claim, so be sure to gather and retain any evidence that’s pertinent to your claim. This could include photos or video, repair estimates or bills, and receipts for expenses you’ve paid for out-of-pocket.
Review your home insurance policy. Next, you’ll want to carefully review your insurance policy to make sure you completely understand what you’re able to claim and what you aren't.
Keep records of all contact with your insurance company. Anytime you correspond with the insurance company, you should keep a record of the interaction. This could be hand-written notes from a phone call, emails, or physical copies of letters and statements.
Meet with the insurance adjuster. During your claims process, you’ll need to meet with an insurance adjuster who will assess the damages to your home. It’s important that the adjuster see the full scope of the damage, so be prepared to provide any documentation related to the incident.
Learn estimates and collect claim payments: Depending on the extent of the damages either you or your insurance provider will request estimates for the repair. After this has been completed, you’ll be offered a total claim payment to reimburse your expenses.
Why You Should Work With an Attorney
Many policyholders find that the possible damages after an attorney reviews and evaluates their case will increase compared with attempting to file a claim on their own. Insurance companies have teams of lawyers working on their side, and their goal is to close out your claim quickly while paying you the lowest settlement possible. When you work with an experienced lawyer, you’ll have a partner working on your side and always advocating on your behalf for what’s fair and what’s right. Your attorney has a much deeper understanding of the claims process and can be an indispensable resource.
Hurricane, Wind, & Storm Damage Claims Attorney in Tampa, Florida
If you’re in the Tampa, Florida region and have recently sustained damage to your home due to wind, storms, or a hurricane, call Pekar Law, P.A. to schedule a consultation and get the help you need.