With peak hurricane season behind us in November, many Floridians hoped they were in the clear until 2021. Following mass amounts of destruction in Central America, Hurricane Eta weakened and then strengthened again as it headed towards Florida. Eta was the 28th named storm and 12th hurricane of the extremely hectic and dangerously active 2020 Atlantic hurricane season.
The Miami metropolitan area is the most populous in Florida, with more than 6 million inhabitants. After severe weather warnings were issued for most of South Florida, residents spent their Sunday afternoon preparing for the arrival of Hurricane Eta.
Even with extensive preparation efforts, it can be impossible for you to prevent property damage to your home or condo when a hurricane makes landfall. Luckily, you can prevent being victimized again by the insurance company and their adjusters. Contact an experienced Miami hurricane damage and insurance claims attorney today to get a free case evaluation and consultation.
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Types Of Property Damage Caused By Hurricanes
When Eta hit the South Florida region, it resulted in many property losses for homeowners in Miami. Coastal cities, like Miami, are particularly vulnerable to the wrath of severe thunderstorms and hurricanes. Powerful winds, storm surge, and flooding are some of the hazards associated with hurricanes that have the potential to cause catastrophic damage to residential structures and communities alike. The most common types of hurricane related damages are listed below:
- Flood damage — Excessive rainfall can cause serious water damage to the contents inside the home and may also compromise the structural integrity of the home.
- Roof damage — Hurricane force winds can lead to damaged shingles, broken tiles, and damaged gutters. Extensive damage may necessitate a full roof replacement.
- Window damage — Windows and sliding glass doors can be damaged by wind or debris flying around during a hurricane.
- Landscaping damage — Strong winds can lead to fallen trees and uprooted landscaping, resulting in additional property losses.
When a natural disaster damages your home, condo, or business, don’t rely on the insurance company to give you a reliable estimate for your property damage. Protect your most valuable asset by hiring an experienced attorney that works with reputable property damage experts to obtain an accurate assessment of the true cost of repairing your home to its pre-hurricane condition.
Hurricane Damage Covered By Miami Homeowners’ Insurance Policies
Most homeowners’ insurance policies cover hurricane related damage from winds and rain. Unfortunately, the vast majority of standard home insurance policies exclude damage caused by flooding. Flood insurance is usually a totally separate policy designed to protect your residence and personal belongings if they are damaged in a flood. To determine what perils are covered, you should read your policy in its entirety.
It is not uncommon for insurance adjusters to argue that hurricane damage was caused by flooding, when in reality it was caused by wind. If you find yourself in this scenario, it is best to contact a hurricane damage attorney to discuss your options. Many clients call us after their insurance company denied their claim as damage due to flooding and we find out later that their assessment was completely inaccurate.
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Why Hire A Miami Hurricane Damage Lawyer?
Many people believe that insurance companies exist to protect their policyholders in the event of an unforeseen or unpreventable disaster. However, this is simply not true. Insurance companies exist to make profits. When they have to pay out on a claim, their profits suffer. For this reason, insurance adjusters will do anything in their power to deny or devalue valid claims.
A good property damage attorney has experience working with insurance adjusters and can use their expertise to negotiate a fair and full settlement. If you feel like you are getting the runaround or are being treated unfairly by your insurance carrier, don’t hesitate to call the seasoned Miami hurricane damage claims lawyers at FlorinIRoebig today.
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Now Accepting Hurricane Eta Claim Disputes In Miami
Dealing with a pending Hurricane Eta insurance claim in Miami can be a daunting and stressful task. The big insurance carriers have a team of lawyers that work for them to make sure they retain profits by underpaying claims. You should have a team of lawyers that work for your best interests too.
At FlorinIRoebig, our dedicated team of professionals have been helping clients win property damage claim disputes since 1985. Call our law firm for a free consultation today and let us battle the insurance companies on your behalf.