When Hurricane Sally hit the Northwest region of the Gulf of Mexico with maximum sustained winds topping 100 miles per hour, it resulted in many property losses for homeowners in Destin.
Destin is a city located in an area of Florida known as the Panhandle that boasts some of the softest, and whitest sand in the world and is nicknamed the “world’s luckiest fishing village.” The moniker has attracted many tourists worldwide, but for Destin homeowners, it means they live in constant fear of hurricane property damage.
Even with extensive preparation, it may be impossible for you to avoid damage to your home, condo, or business when a hurricane makes landfall. However, you can prevent being taken advantage of by your insurance company representatives. Consult with a skilled and dedicated Florida hurricane property damage lawyer today to get a free case evaluation and consultation.
Types Of Hurricane Property Damage In Destin
The effects of hurricane damage vary according to the category of the storm. As a Category 2 hurricane, Sally produced a dangerous storm surge and excessive flooding. The severe storm posed a threat to the life and property of thousands of residents in Destin. Upon landfall, Hurricane Sally’s high winds and torrential rain caused the following types of destruction:
- Damaged roofs, seen as indentations, fractures, and bruising to the asphalt shingles. Some homeowners also experienced displacement and loss of granules, requiring a full roof replacement.
- Broken and cracked windows caused damage to not only the glass itself but the interior of homes as well.
- Water damage from flooding compromised the integrity of many homes and outside structures, leaving residents with health-related risks associated with excessive moisture and mold.
- Forceful winds led to many fallen trees and uprooted landscaping, resulting in exterior property damage.
- Falling debris caused major structural damage to sidings and gutters.
The cost of labor and building materials usually increases following a natural disaster. Many insurance companies will not be inclined to account for the rising costs of rebuilding. Do not rely on the insurance company to give you an accurate estimate of your property damage. Contact our law firm to set up a free damage inspection with a reputable expert or appraiser who has the ability to detect even the most minor damage.
Hurricane Damage Covered By Florida Homeowners’ Insurance Policies
Flood damage and water damage from a storm surge is usually excluded by most standard homeowners’ and renters’ insurance policies. If you live in a flood prone area, it is always advisable to purchase a separate flood insurance policy to cover you from this hazardous peril. The home insurance company may argue that all the hurricane damage sustained to your property is due to flooding. You should be aware that this is a common tactic used by insurance carriers to undermine the value of your hurricane claim.
The majority of homeowners’ insurance policies do cover damages from hurricane winds and rain. Oftentimes, it can be hard for the average policyholder to distinguish what type of property damage occurred. When Destin was ravaged by Hurricane Dennis in 2005, most of the resulting damage was caused by wind. Proving wind damage can be a difficult feat, but an experienced lawyer, such as one of the lawyers at Florin|Roebig can help you receive full and fair compensation for your hurricane damage.
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When To Hire A Hurricane Damage Attorney
Your insurance carrier owes it to you to restore your property to its pre-disaster condition. Some insurers are fair and will compensate you for your weather-related property damage. Unfortunately, many are not. If you are experiencing frustrating delays, lowball repair estimates, or unfair denials, it may be time to seek help with your claim.
The claims adjuster will do anything in their power to save the insurer money by devaluing your claim. Combatting the tactics of the big insurance companies requires aggressive legal action and should be left in the hands of an experienced litigator, who is not afraid to go to trial when necessary. The devoted legal team at FlorinIRoebig has the financial resources and legal expertise to take on the most complex hurricane damage disputes.
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Contact A Destin Hurricane Damage Lawyer Today
Dealing with the aftermath of Hurricane Sally can be a stressful and confusing ordeal. Debates regarding coverage or the extent of damage may ensue. Luckily, you don’t have to be victimized twice. The best way to determine what type of compensation you are entitled to is to consult with a lawyer who has experience in Florida Gulf storm and hurricane property damage disputes. The attorneys at FlorinIRoebig will work tirelessly on your behalf from the start of the claim until we get you a just resolution. Call today for a confidential and free consultation