Hurricane and Wind Damage Insurance Claims

Hurricane Damage Attorneys – Wind and Storm Claims Assistance

South Florida residents know it is wise to monitor current weather patterns and storm formations. The Sunshine State is surrounded by water on three sides, and South Florida is a veritable finger extending into a hurricane hotspot. Hurricanes often produce powerful winds that can cause considerable damage. Flying debris and storm surge adds to an even graver situation. Making sure your valuable property is protected with adequate insurance coverage is prudent.

Problems can arise when you encounter delays, inadequate damage assessments, or disputes about your damage claim. Roller Rubinstein has Florida Property Damage Lawyers who can help you get what you deserve from your insurance company after hurricanes strike.

Not All Insurance Policies Are Equal

Insurance policies are designed to cover specific losses. Their provisions define what is covered and what is not when a hurricane or other severe storm strikes. Understanding these nuances is critical when you have a hurricane damage claim.

Homeowners’ Coverage

Homeowners’ policies can vary between companies. For example, all water damage is not treated the same in insurance policies. The general rule in most homeowners’ property insurance is that damage caused by water from above is usually covered. Damage from water that rises from below is usually not covered. Also, some homeowners’ insurance policies cover wind damage only at a certain speed. Wind over a certain speed is considered a hurricane and requires a specific hurricane insurance policy.

Hurricane Coverage

Optional hurricane insurance covers wind and related water damage, not flooding. It has a similar provision that causes it to kick in when winds reach a specified speed. Property damage from flying debris is also typically covered. This can include:

• Roof damage
• Downed trees and resulting damage
• Damaged siding
• Broken windows
• Damage from falling water through a broken roof
• Food spoilage and other damages from extended power outage
• Hurricane damage to your storage shed, detached garage, or fence

Flood Damage

Flood insurance is specific protection when you incur damage from water that comes from off your property – rising flood waters or storm surges. Some lenders require property buyers to have flood insurance, especially if they are in designated flood zones.

A Florida Property Damage Attorney from Roller Rubinstein can help you determine what your insurance policies cover and pursue damage claims to help restore your Palm Beach property. Contact us today for a FREE policy review and damage claim evaluation.

Why Partner with Roller Rubinstein?

Sadly, many insurers look for reasons to delay, underpay, or even deny water damage claims to save their company money. You paid your premiums and expected your property damage to be covered – but it is seldom that simple. Home and commercial property owners routinely encounter problems with their water damage claims, such as:

• Denying you have coverage
• Citing pre-existing conditions or uncovered circumstances that void your coverage
• Delaying claim processing or payouts
• Undervaluing your water damage
• Refusing to honor your policy’s coverage guarantees

You could be left with damaged property and incredible repair costs you cannot afford. A South Florida Property Damage Claim Attorney from Roller Rubinstein can help you hold the insurance company accountable and receive everything you deserve. Don’t settle for a rejected claim, underpaid claim, or unconscionable delays – get seasoned legal help for water damage claims in Miami-Dade, Broward, Monroe, and Palm Beach Counties and surrounding South Florida communities.

How Can Roller Rubinstein Help with My Hurricane Damage Claim?

After suffering the devastation of a hurricane, the last thing you need is a fight with your insurance company. These for-profit businesses routinely seek to limit payouts and deny claims to protect their bottom line. Roller Rubinstein knows the tactics property insurance companies use to try and save money, and we know how to fight them. Common problems with your damage claim can include the following:

• Denying you have coverage
• Trying to enforce non-existing hurricane or wind exclusions on your policy
• Delaying claim processing or payouts
• Undervaluing your hurricane damage
• Refusing to honor your policy’s coverage guarantees

In addition to helping you understand your policy coverage, our attorneys can help you navigate the claims process and get what you deserve.

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