Fort Lauderdale Denied Hurricane Claim Lawyer
Floridians are no strangers to hurricanes. Residents in Fort Lauderdale and throughout the state are all too familiar with the trail of devastation these storms leave in their aftermath, as well as how difficult it can be to obtain insurance coverage for recovery afterwards. Insurance companies sometimes rightfully deny claims but in other cases, they are simply prioritizing their bottom line over the rights of property owners. If your hurricane claim has been denied, you need legal advice. Our Fort Lauderdale denied hurricane claim lawyer can provide it and help you obtain a favorable outcome.
Steps to Take Before Filing a Hurricane Claim
Taking the proper steps before you file a hurricane claim can help you obtain the compensation you need. Some of the most important steps are as follows:
- Know your coverage limits. This can help you better understand how much you deserve from the insurance company, and how many out-of-pocket expenses you will face.
- Know your deductibles. This is the amount of money you will have to pay before receiving any coverage and they are typically higher after natural disasters such as hurricanes.
- Know the exclusions. These include damage not included in your policy. For example, flood insurance usually requires a separate policy.
A thorough review of your policy before filing a claim is important. These long documents are full of legalese so it can be difficult to understand. A Fort Lauderdale denied hurricane claim lawyer can help you understand its terms and negotiate with the insurer on your behalf.
Common Reasons for Hurricane Claim Denials
The primary reason hurricane claims are rejected is a lack of coverage. For example, if the wind from a hurricane broke your window, the cost of replacing the window would be covered under wind damage. However, if water entered the broken window, that would be considered flood damage and would be excluded if you did not purchase a separate policy.
Insurance policies also contain many different deadlines. For example, your policy may require you to notify the insurer of any hurricane damage within 20 days. If you fail to do this, the insurance company will likely deny your claim. This is another reason it is so important to review and understand the terms of your policy.
Insurance companies also require strong evidence that proves the extent of the damage. Evidence takes the form of pictures of the damage, detailed repair estimates, and receipts or quotes for property repairs. Without evidence, you cannot prove the extent of the damage and so, your claim may be denied.
Call Our Denied Hurricane Claim Lawyer in Fort Lauderdale for the Coverage You Deserve
Too many insurers deny hurricane coverage that property owners rightfully deserve. If your claim has been denied, our Fort Lauderdale denied hurricane claim lawyer at Geyer Fuxa Tyler can determine if your insurer is acting in bad faith and communicate with them on your behalf so you obtain the full compensation you deserve. Call us today at (954) 990-5251 or chat with us online to schedule a consultation and to learn more.