Hurricane Property Damage Lawyers
When a hurricane hits, it can have devastating effects. The National Hurricane Center classifies hurricanes as storms with an extended wind speed of at least 74 miles per hour, accompanied by heavy rain, thunder, and lightning. Severe winds and flash flooding can cause extensive damage to your home. When this happens, it can be difficult to know where to turn. Our Gainesville property damage attorneys are here to help walk you through the process and ensure that you receive the full compensation to which you are entitled.
Why You Need A Hurricane Damage Lawyer
When you file an insurance claim, the first thing you’ll learn is that your insurance company does not have your best interests at heart. Insurance companies want to make money by collecting premiums and finding reasons to dispute or deny your claim. Our team of Gainesville lawyers deal directly with your insurance company so you don’t have to.
Our highly qualified team of attorneys is experienced in handling insurance claims and disputes. We are familiar with the tactics insurance companies use to avoid payment and how to combat them, and will fight for you to make sure you receive the compensation you deserve. Even if your insurance company is not acting in bad faith, our lawyers will work with you to ensure that you receive the fairest possible settlement.
What Should My Insurance Policy Cover?
While individual policies will vary, standard homeowners insurance should cover you in a number of ways, including:
- Water, wind, and hail damage: your policy should cover external damage to your property.
- Personal contents: flooding due to hurricanes can cause extensive damage to personal damage inside the home and also mold and mildew damage.
- Debris removal: your policy should cover the cost incurred to remove damaged property after the storm.
- Temporary living expenses: if the damage to your property is extensive, you may need to temporarily relocate to a hotel while your home is being repaired, which could take several months.
What To Do After A Hurricane Hits
If a hurricane damages your property, there are certain steps you can take immediately to make sure that your insurance claim is handled promptly and fairly. These steps include:
- Cover your damaged property. Use a waterproof tarp to cover any damaged areas and prevent further water damage. This will prevent your insurance company from claiming that the damage was sustained after the storm, or blaming you for the damage and denying your claim.
- Photograph everything. It is vital that you provide thorough documentation of the damage the storm caused. Start from the outside, photographing all four sides of the house, your roof, and your yard. Start with wide shots of the yard, followed by close-up shots with more detail. Inside the house, take photos of entire rooms, then close-ups of individual items that sustained damage. Keep an inventory of damaged property as you take pictures. Being able to provide a complete record of damages is vital to your insurance claim.
- File your claim promptly. Most insurance policies require you to file within a certain period of time. Make sure you are familiar with your insurance policy and the time limitations it entails.
Insurance companies require claimants to follow specific steps to approve their claims. If you don't follow these steps exactly, your property insurance company can use this to deny payment. Our property damage attorneys will ensure that the paperwork is completed correctly, supply any necessary documentation, and keep track of any and all deadlines to make sure your claim is filed correctly and on time.
When a hurricane hits, it can turn your whole world upside down. Warner, Sechrest, and Butts, P.A. will work with you to ensure that you receive the compensation you deserve to recover from the damage. Contact our team of dedicated Gainesville attorneys today for a free, no obligation case evaluation.