Like most home and business owners in South Florida, you have insurance coverage that protects your property from major storms. Still, receiving full payment for hurricane damage is sometimes more difficult than it sounds. Unfortunately, if you do not receive what is rightfully yours, you may have trouble repairing damaged structures or rebuilding demolished ones. Insurance companies deny damage claims frequently. While getting a denial notice is disheartening, you likely have some options. Not only does your policy have an appellate procedure but you can also file a lawsuit pursuant to Florida law. Note, however, that you may have a limited window to seek a reversal of a claim denial. An experienced Miami attorney can help you explore each alternative.
If your home or business has weathered a major storm, you may have to contend with minor, moderate or severe damage. Here are some common types of damage any building may sustain in a hurricane:
• Structural damage
• Window and door breaks
• Roof, gutter and siding damage
• Fire damage
• Flooding
• Mold growth
A major storm poses a significant risk to more than just structures. You may also have car, boat or RV damage after the clouds clear. Furthermore, your landscaping, swimming pool or spa may take a beating from any noteworthy weather event.
Even though you regularly pay insurance premiums, your provider may not immediately compensate you for storm damage. While delays can be frustrating, you may eventually receive an outright denial. Here are a few common ways insurance providers deny storm claims:
• Considering certain repairs to be unnecessary
• Categorizing storm damage as pre-existing
• Requiring unreasonable documentation or evidence
• Labeling damage as exclusionary
• Accusing you of misrepresenting material facts
• Asserting that you waited too long to file your claim
When it comes time to pay storm claims, insurance companies have some options. Your provider may pay the claim in full, deny it completely, or choose to pay part of your claim while denying other portions of it. If you receive less than the value of your damage, be aware that you may not have much time to fight back.
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Recovering from a major storm system can be tremendously difficult. You should not have to waste valuable time, money or effort fighting an insurance company that refuses to pay your claim in full. At Seltzer Mayberg, LLC, we have considerable experience helping both home and business owners successfully manage hurricane damage claims.
Rather than leaving payment for your property damage to chance or the whim of your insurance company, let us help you receive the payment you deserve. Call us today at 305-444-1565, or text one of our attorneys directly from our page. We are available 24/7 to help.
David worked hard in getting me the best results possible. My case wasn’t an easy situation but with David’s help I was able to reach the best possible results.
Mr. Mayberg is an excellent lawyer. Very knowledgeable. Won my case. I am very grateful I found him and most of all I'm grateful the way he kept in touch with me about my case. Always took my calls or returned them right away showing that he doesn't just care about the money but also cares about your concerns.
David Seltzer is probably the most easy going attorney I had ever met. All I went through was clearly explained from our first meeting. I have been updated often about my case process and the outcome was very positive. If you need an attorney who speaks to you like a normal person, that answers your text and emails when you have questions, David is the one. Thank you again!
David Seltzer is probably the most easy going attorney I had ever met. All I went through was clearly explained from our first meeting. I have been updated often about my case process and the outcome was very positive. If you need an attorney who speaks to you like a normal person, that answers your text and emails when you have questions, David is the one. Thank you again!
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