Living in Florida has its perks. However, there are some things about this glorious state that residents wish they never had to deal with. Typically this involved the Summer weather. The powerful storms that Hurricane season brings can sometimes cause catastrophic damage to home depending on the intensity of the storm.
Here at Your Insurance Attorney, we have experts who have all the information you need when it comes to hurricane, flood, and wind insurance. We take pride in being the best insurance lawyer near me.
Does Your Policy Cover It?
Most ‘homeowners’ policies will cover damage from windstorm, hurricane, and hail, as well as fire and lightning Most ‘homeowners’ policies will also cover sudden and accidental water damage, but not storm surge. In coastal areas, insurance companies have refused to write insurance coverage for wind.
Wind policies provide coverage for wind-driven rain, and for water that enters through damage in the structure such as damaged roofs, windows, and walls. Wind policies typically provide coverage for every type of damage except rising water or storm surge.
Flood insurance is much more limited. It covers losses from rising water and storm surge. Flood coverage is underwritten by the federal government through the National Flood Insurance Program, even though the private insurers may sell and manage this type of insurance.
Following Hurricane Ike, flood insurance often paid policy limits or close to it, primarily because the private insurance attempted to shirk their responsibilities under wind policies and blame the loss on flood coverage so the government would pay. Often it requires an engineer to determine whether the loss resulted from the flood as opposed to wind and hurricane.
Most insurance policies exclude flood damage. Accordingly, the federal government administers the National Flood Insurance Program to cover this risk of loss. The critical thing to remember is that the technical requirements to timely report, document, and file the flood insurance claims are absolute. You must submit your claim properly and timely, or risk not getting paid at all.
Some All-Risk policies exclude “wind” damage. Thus, policyholders must also get “wind” or “hurricane” coverage to pick up loss caused by this peril. These policies typically act just like regular All-Risk policies but only cover damage caused by “wind,” such as experienced during hurricanes and tropical storms.
You Can Count on Our Wind Insurance
If your home has been damaged through some type of disaster, vandalism, or you have suffered a loss through theft, you have likely filed a claim with your insurance company.
This can often take quite a bit of time, and some insurance claims even get denied or paid insufficiently, which is unsatisfying and can seem unfair. As an insurance attorney Miami locals trust, we ‘don’t sit around waiting to see how your insurance company is going to help you, we talk directly with them and let them know what exactly you are entitled to. Best of all you incur no fees unless you win!
Best Insurance Lawyer
When it comes to finding the best outcome for wind insurance, we are the ones to turn to. Our insurance lawyer near me will keep you protected. A claim specialist, such as someone from Your Insurance Attorney, may be able to help you with getting around your policy’s limitations.
Usually, insurance policies can be tricky and confusing; that is where we come in. Since fire damage can be overwhelming, a public adjuster and property damage lawyer may be able to help you. Give us a call today at (305) 800-4762 to see how we can help you! Contact us now. Our insurance lawyer near me is here for you!