Sunrise Hurricane Milton Insurance Claims Lawyer
After making landfall in early October, Hurricane Milton left a trail of devastation throughout Florida. Many homeowners are still trying to recover and rebuild. Floridians know that handling hurricane damage is about much more than just sweeping up some debris. It also requires navigating complicated insurance claims to obtain the compensation they need. If you suffered property damage caused by Hurricane Milton, do not wait to take action. Our Sunrise Hurricane Milton insurance claims lawyer can help.
Damage Caused by Hurricane Milton
Hurricane Milton was an extremely powerful and destructive storm when it hit land. It battered many parts of Florida with devastating winds, storm surges, and torrential winds. Many Florida residents are still trying to deal with many different types of damage, the common of which includes:
- Flooding and water intrusion, particularly in coastal areas
- Wind damage to windows, walls, and roofs
- Fallen trees, causing damage to power lines and homes
- Mold growth in places where moisture has accumulated
The above damage has not only required immediate repairs, but long-term restoration. Before you start to rebuild, it is critical that you have a thorough understanding of your insurance coverage and that you know how to file a claim.
Homeowners Insurance Coverage After Hurricane Milton
Homeowners insurance policies in Florida usually include coverage for wind damage, but damage from flooding typically requires a separate flood insurance policy. Before filing a claim, it is important to review your policy so you can understand the different types of coverage. The most common types of coverage are as follows:
- Wind damage: Coverage for wind damage typically includes structural and roof damage. This type of coverage is typically included in standard homeowners insurance policies.
- Flood damage: Coverage for flood damage is not typically included in standard homeowners insurance policies. If you live in a flood zone, you were likely required to purchase a separate flood insurance policy.
- Additional living expenses: Also referred to as ALE insurance, this coverage can help you pay for temporary housing if your home becomes uninhabitable due to damage from Hurricane Milton.
Understanding Deductibles
Many different types of insurance policies have deductibles, or an amount you have to pay before receiving coverage. The deductibles in hurricane coverage are usually different from other types of standard deductibles. This is because these deductibles are usually set as a percentage of your home’s insured value. For example, if you insured your home for $300,000 and the deductible in your insurance coverage is five percent, you would have to pay $15,000 before receiving insurance coverage.
Our Hurricane Milton Insurance Claims Lawyer in Sunrise Can Help
If you are still trying to recover from Hurricane Milton, do not go through the process alone. At Geyer Fuxa Tyler, our Sunrise Hurricane Milton insurance claims lawyer can help you navigate the process so you receive the full compensation you need to repair your property and rebuild your life. Call us today at (954) 990-5251 or chat with us online to schedule a consultation with our experienced attorney and to get the legal help you need.