When a hurricane sweeps through Florida, it leaves in its wake a path of devastation and disruption, affecting residents and businesses alike. Amid this chaos, the complex process of filing an insurance claim can be overwhelming, making it challenging to receive the compensation you rightfully deserve. Don’t settle for a low initial settlement without exploring your options first.
The top-rated Hurricane Lawyers at Snedaker Law are here to help you. Our attorneys are ready to assist and fight for the compensation you deserve. Call us today for a free consultation at 407-553-3529.
Florida’s laws pertaining to hurricane damage claims can be highly complex, often making the path to a successful insurance claim a challenging one. To better navigate this process, here’s a breakdown of some essential aspects of Florida’s insurance laws:
90-Day Rule: In Florida, insurance companies are legally obligated to either settle or deny a claim within 90 days of its filing. This timeline begins from the day the insurer receives the policyholder’s claim, along with all the necessary information to process it.
Underpayment and Denial of Claims: Despite the aforementioned law, many policyholders face issues such as underpayment or outright denial of their claims. Disputes may arise regarding the valuation of the damage, the interpretation of the policy terms, or the determination of what caused the damage.
“Right to Repair” Clause: Florida law includes a “Right to Repair” clause. This provision allows the insurance company, instead of paying the cost of the damage, to choose to repair or replace the damaged property. Understanding how this clause applies can be crucial for policyholders, as it can significantly impact their claim settlement.
Statute of Limitations: The state of Florida imposes a statute of limitations on property damage claims. Specifically, policyholders have four years from the date of the hurricane to file a lawsuit for any unresolved claim disputes. This necessitates swift action following a hurricane event. Statute 95.11
Deductibles: Florida law permits insurance policies to have a separate deductible for hurricane damage, which can be higher than the deductible for other types of damage. The hurricane deductible applies once per hurricane season, rather than per storm.
Exclusions and Endorsements: Insurance policies may contain certain exclusions limiting coverage for specific damages or conditions. Alternatively, they may include endorsements that provide additional coverage beyond the basic policy. Understanding these aspects can be crucial to knowing the extent of your coverage.
Given these complexities and nuances, it is vital to seek the assistance of a competent hurricane damage lawyer who can guide you through the claims process. Their in-depth understanding of Florida’s insurance laws can make the difference between a denied claim and the fair compensation you deserve.
Hurricane damage lawyers play an indispensable role in the claims process. They work diligently to ensure insurance companies act in good faith, treating clients fairly, and settling claims promptly.
Case Evaluation and Claims Assistance: These legal professionals start by reviewing your policy, helping you understand your coverage, and guiding you through the claims filing process. They can help you compile a comprehensive inventory of the damage and ensure all required paperwork is filed timely and correctly, thereby preventing unnecessary delays.
Damage Assessment and Validation: These lawyers also coordinate with experts in various fields to accurately estimate the extent of your damages. This could include structural engineers, contractors, and loss adjusters. They ensure that every detail of your claim is validated, thus minimizing the chances of claim disputes.
Claim Negotiation and Litigation: Hurricane damage lawyers represent your interests during negotiations with insurance companies. If your claim is denied or underpaid, these lawyers can challenge the insurer’s decision, first through the insurer’s internal appeals process, and then, if necessary, by filing a lawsuit.
Insurance claim payouts in Florida can fluctuate significantly due to several factors. Here are the factors that can influence the amount you’re entitled to:
Extent of Damage and Property Type: The severity of the damage and the type of property involved are significant determinants of the claim payout. Minor damage might result in payouts amounting to a few thousand dollars. In contrast, severe damages or total loss of high-value residential or commercial properties can lead to claims stretching into the millions.
Policy Terms: The specific terms of your insurance policy, including factors like high deductibles or exclusions, may impact the final settlement amount. It’s crucial to fully understand these terms when filing a claim.
Initial Settlement Offers: Insurance companies may offer a lower initial settlement, banking on the claimant’s lack of knowledge or representation.
At our law firm, we step in to address these challenges:
Guidance: As experienced hurricane damage lawyers, we guide you through the complex process of filing a claim, helping you navigate your policy terms and the extent of your coverage.
Accounting for Damages: We ensure that all damages are accurately assessed and properly accounted for, preventing any oversight that might reduce your compensation.
Advocacy: We fight for your rights, challenging low initial settlement offers and working to secure the compensation you rightfully deserve.
When a hurricane strikes, people all over Florida know they can trust Snedaker Law to handle their damage claims. As an award-winning, top-rated law firm, we’ve built a strong reputation based on winning cases for our clients. But we believe what truly sets us apart is how we treat our clients.
We’re not just here to win cases – we’re here for our clients. We understand that every client’s situation is unique, and they each deserve a legal strategy specifically tailored to their needs. We work closely with our clients, listening to their concerns and aligning our approach with their goals. Our aim is to make the claims process as straightforward and stress-free as possible.
At Snedaker Law, we’re more than just lawyers; we’re partners in helping you recover after a hurricane. We handle each case with compassion and professionalism, ensuring you feel supported every step of the way. When you choose Snedaker Law, you’re choosing a dedicated team that fights for you.