Insurance Claims
Getting What You Deserve From the Insurance Company After A Storm
Florida hurricane season lasts from June through November each year, and while some years we see less storm activity and damage than others, it is six familiar months of planning ahead, preparing for landfall, and enduring the storm (link to part three) when it stakes its claim on our communities.
But what happens after the storm passes, and you have suffered property damage? At The Morgan Law Group, we know that the aftermath of the hurricane can the most devastating part of the experience. And we want to help.
What Are The First Steps To Take When Documenting Florida Hurricane Damage?
Once you are able to safely survey the damages after the storm has completely passed, documenting each detail is important to your recovery efforts.
The first step to take when documenting the damages is to mentally prepare yourself to be objective when surveying your property. There is a lot of emotion that goes into realizing hurricane damage, and there is no denying the trauma involved — especially when the damage has ravaged your home, business, or property.
In order to get the most out of the insurance policy that was designed to protect you, you must be able to assess the damage and document it thoroughly.
Next:
- Take pictures and store them safely on a third-party hard drive or cloud service, in case your camera or phone’s files are damaged
- Shoot video of the damaged property, including downed trees or power lines, and other debris that may become moved by maintenance or municipals workers — or even your very own neighbors
- Write down each damaged segment of your home, business, property, or possessions, so you do not forget any of the details during the financial recovery process
What Types of Damage Should I Document After A Hurricane Passes Through Florida?
After a hurricane passes through Florida, there is no such thing as trivial damage. Since the wind, rain, and flying debris can all cause significant but different types of harm, document ALL damage, so you are able to submit them for recovery in their totality.
Never decide on your own that the hurricane damage to your property is too insignificant to validate. The fact is, the full damage may not reveal itself immediately, but later cause flooding or even fires. Document all damage, and prepare to submit a claim that is timely and thorough.
What If My Florida Hurricane Insurance Claim Is Denied?
After Hurricane Michael, many families were — and some still are, sadly — reeling from the lack of financial support their insurance policies provided. If you are struggling with a delayed insurance claim payment or underpayment, or worse — have been denied outright — we want to help you face your insurance company with confidence.
Contact our accomplished Florida insurance claims attorneys at The Morgan Law Group today at (866) 547-3697 to learn how we can hold the insurance company accountable for the coverage your policy provides, so you are not left paying for your hurricane damage out of pocket. We charge zero upfront fees, and if we do not recover on your behalf, you pay no fees at all. Call us now to learn more.
