Visitor Monitoring Hurricane Property Damage - Florida Professional Law Group

When the unexpected happens, we help individuals and businesses collect the money they deserve for their insurance claims.

Free Review of your Hurricane Damage Situation

This form does not create an attorney-client relationship. Situations vary. Don’t rely on this website for legal advice. By submitting this form, you are consenting to receive marketing emails from: Florida Professional Law Group, PLLC, 4600 Sheridan Street , Suite 303, Hollywood, FL, 33021, US. You can revoke your consent to receive emails at any time by using the SafeUnsubscribe® link, found at the bottom of every email. Emails are serviced by Constant Contact.

Hurricane Damage

Think your insurance company didn’t pay you enough? Don’t let them pay you less than you deserve.

Weather-related property damage includes that from rain, hurricanes, tornadoes, flooding, lightning, hail, and wind. Weather-related property damage insurance claims are among the most frequent, especially in Florida. Claims submitted resulting from Hurricane Irma alone reached nearly 1 million. Of those, insurance companies denied 32%. (many of which could be paid if the property owners had proper representation). As with any claim, make sure you document the damage, keep damaged materials, and log conversations with your insurance company.

Most people have difficulty interpreting what their insurance policies cover. These misunderstandings can surprise property owners.

Hurricane Insurance Deductibles vs Property Insurance Deductibles

Hurricane insurance deductibles are separate and work differently than deductibles on regular property insurance. A deductible is the amount a homeowner must pay before the insurance company will pay any money. When you purchase a hurricane policy, you select a percentage of your total policy coverage, usually, based on a percentage of the property’s value. This is different than the amount of your claim. If a homeowner has a $150,000 hurricane insurance policy with a 5% deductible, and a roof damage claim of $10,000. The homeowner may believe they’re out of pocket cost is $500 when their hurricane deductible of 5% on $150,000 is actually $7,500.

Windstorm, Flood and Storm Surge Insurance

Wind and water damage from storms can come in through doors, windows, and roofs wreaking havoc on your property. Review your insurance policies carefully to make sure that your policies effectively cover flood, windstorm and storm surge. Floods are usually covered by a separate policy.

Extra Coverage for Building Code Compliance

Repairing a damaged property could require expensive upgrades to comply with current building codes. Be sure that your policy includes “law and ordinance coverage.” This provides additional coverage, above the normal policy limits, if additional expenses are incurred to comply with building codes.

“Right to Repair” – Be Careful

Homeowners may be unaware of a “Right to Repair” clause in their policy. This could allow the insurance company to repair the property using its own contractors rather than giving you money to pay a contractor that you trust. The insurance company may offer a slight discount or force you to accept a “Right to Repair” clause. Proceed cautiously. Many property owners have reported delays, disagreements, undervaluation and inferior repairs with this method. You may want to shop for coverage that excludes this. Many people are concerned that insurance companies may change policies to provide less coverage for homeowners, forcing them to use unfamiliar, unproven contractors to repair their homes. “Right to Repair” clauses can be dangerous. Homeowners should be able to select contractors that they know and trust. Review your policy to make sure you’re adequately protected.

Free Review of Your Hurricane Damage Situation

844-340-5115

Se Habla Español | Nou Pale Kreyol

Underpaid or Denied Hurricane Damage Insurance Claim?

If you have an underpaid or denied hurricane damage claim, don’t give up! Contact us for a free consultation.

Free Review of Your Hurricane Damage Situation

This form does not create an attorney-client relationship. Situations vary. Don’t rely on this website for legal advice. By submitting this form, you are consenting to receive marketing emails from: Florida Professional Law Group, PLLC, 4600 Sheridan Street , Suite 303, Hollywood, FL, 33021, US. You can revoke your consent to receive emails at any time by using the SafeUnsubscribe® link, found at the bottom of every email. Emails are serviced by Constant Contact.

No Fee if No Recovery

New insurance claim attorney adjuster

New Claims

Recent property damage from a hurricane or other weather-related event? We handle new property insurance claims from start to finish. Do you know how much money you could be losing?

Underpaid Insurance Claims Attorney Adjusters

Underpaid Claims

Think your insurance company didn’t pay you enough for your hurricane damage? We work to get you more. Don’t let the insurance company pay you less than you deserve.

Denied Insurance Claims Attorney Adjusters

Denied Claims

Insurance company denied your hurricane claim? Do you know how much you could be losing? Don’t let them deny your claim without contacting us.

DESTROYED HOME FROM HURRICANE

Insurance: $50,937 Underpayment

Settlement: $161,000

five stars outlines
"Florida Professional Law Group was incredible. They stepped in when I was overwhelmed with a leak and having to deal with insurance; they helped me from beginning to end. Whenever there was an issue I knew I could call them and they would come right away or help me over the phone. I highly recommend them for their professional and personal attention to details."
Simone B.

Free Review of Your Hurricane Damage Situation

844-340-5115

Se Habla Español | Nou Pale Kreyol

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