Florida and Texas will not forget Hurricane Irma and Hurricane Harvey in a hurry. Although it happened last year, it is still very fresh in our hearts. Regardless of how prepared one may be, hurricanes are known to leave disasters in their wake.
Florida residents often need to engage the services of a Hurricane Damage Lawyer to help assess the damage. Most times, such assessments are for following up on their insurers claim denials.
It is important that you insure your property for such unexpected situations. And since no one knows when the next one might happen, it is always helpful to know what to follow up on your insurance company in the event of a hurricane.
Homeowners insurance does not cover flooding
You should know that damages caused by water and rain that gets into your home through the window, roof, walls, holes or doors are covered by homeowners insurance. This also includes damages caused by wind. However, if the damage is as a result of water or flooding that entered your home from bottom up or storm surge, these will not be covered. Instead they are covered by Federal Flood Insurance Programs. To get a better and clearer understanding of all the things your insurance covers, get in touch with a Hurricane Damage Lawyer or an Insurance Claim Attorney.
You may be eligible for a much higher deductible after a hurricane
Some people in Florida, especially those living in high-risk areas had to buy different policies to cover windstorms. You may be lucky to lay claim to such if such is covered in your insurance. But do note that this may mean that you have a higher deductible for hurricane damage. Florida Legal, Insurance Claim Attorney or a Hurricane Damage Lawyer will put you through.
Damage from fallen trees
In the aftermath of a hurricane, your home may have escaped unscathed. And if a tree from your property damages a neighbor’s property, it is the responsibility of your neighbor to file a claim with his insurance company and not yours. Now, that’s good to know, you would agree.
Your housing expenses may be paid for by your insurance company
Do you know that your insurance may cover for such things as food, rent and other housing costs when you are unable to live in your home? Coverage for these expenses can be up to a year. So, while your home gets fixed, your insurance company will ensure that you are covered. And should you spend anything out of your pocket during this period, you may want to keep the receipts for reimbursement.
Document and contact your insurer
Before fixing anything in your home, make sure you, first of all, document the damage. Should you go for supplies to be used to make temporary repairs, keep the receipt. This will come in handy when making your claims for reimbursement.
In view of all these, it is important that you contact an experienced attorney so that you obtain full compensation for your claim. There is no fee unless you recover and under Florida law the insurance company must pay your attorneys fees and costs if you recover.
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