Clearwater Denied Hurricane Claim Lawyer
Clearwater is a beautiful area where many people decide to raise families or to retire, with easy access to Gulf beaches and many amenities. Yet Clearwater is also annually at risk of hurricane damage during hurricane season, which runs from June 1 through November 30 of every year. Given the hurricane risks in Clearwater, homeowners and commercial property owners maintain extensive insurance in the event of storm damage. Property insurance in Clearwater is above the state average given the city’s location on the Gulf of Mexico in addition to other factors, and home insurance costs continue to rise in Clearwater and across the state of Florida. Contact our experienced Clearwater denied hurricane claim lawyer to learn more about your options after a hurricane claim denial.
Learning More About Denied Hurricane Insurance Claims in Clearwater
The Florida Office of Insurance Regulation (FLOIR) estimates that tens of thousands of hurricane claims are denied in the aftermath of a major storm in Florida, and thousands of those denials often occur in the Clearwater area when it has been in the storm’s path.
Hurricane insurance claims can be denied for a wide range of reasons, some which may be legitimate. Yet in the aftermath of a major hurricane, it is also important to remember that insurance companies are receiving thousands of claims, and it is easy for an error to occur in processing. Sometimes insurers also refuse to comply with the terms of their insurance agreement and act in bad faith. Under those circumstances, it may be possible to initiate litigation against the insurance company.
Common Claims and Reasons for Clearwater Hurricane Claim Denials
Clearwater residents seek compensation through the homeowners’ and flood insurance policies for a variety of hurricane-related damage, including but not limited to:
- Water damage from storm surge or flooding;
- Broken windows;
- Roof damage;
- Electrical system damage.
Claims can be denied for different reasons. It is important to immediately work with an attorney to determine whether an insurer is acting in bad faith — for which you may be able to initiate litigation — by unreasonably delaying its investigation into your claim, denying your claim without detailed cause, or failing to comply with the terms of the insurance policy. When an insurer is not acting in bad faith, there are many other causes of hurricane claim denials, many of which can be appealed with assistance from an attorney.
What are some of the other reasons for hurricane claim denials in Clearwater? Some reasons have to do with acts or omissions prior to the hurricane, such as the homeowner’s failure to pay their premiums on time, failure to accurately document the property before hurricane damage, or failure to address pre-existing damage to the property. Other reasons concern actions (or failures to act) after the storm, such as failing to mitigate damage on the property, failing to file a claim in a timely manner, or failing to properly document the damage.
Contact the Clearwater Denied Hurricane Claim Lawyers at Geyer Fuxa Tyler Today
When you pay your premiums on time and follow the requirements in your policy, you should expect your claim to be paid. When a claim is denied, it is important to appeal. Contact our experienced Clearwater denied hurricane claim lawyer today.