Florida’s geographical location makes it vulnerable to various types of storms, including hurricanes, tornadoes, and thunderstorms. According to the National Weather Service, Florida has a significantly higher incidence of thunderstorms compared to other states. These storms often result in extensive property damage, requiring homeowners and businesses to initiate storm damage claims to mitigate losses.
Types of Storm Damage
Each type of damage presents its own set of challenges and requires a different approach for both remediation and insurance claims. The most common types of storm-related damage that property owners are likely to encounter include:
Structural Damage:
One of the most common types of damage, it includes harm to the building’s foundation, walls, and roof.
Water Damage:
Often a byproduct of storms, it can lead to mold growth.
Wind Damage:
High winds can cause tree branches to break and fall, damaging your property in the process.
Fire Damage:
In some cases, storms can lead to fires due to electrical failures or lightning strikes.
Immediate Reporting: Contact your insurance provider as soon as possible after the storm to report the damage.
You have a limited time to report damage to your insurance company in order to receive coverage. If you are unsure whether to report or not, contact Premier Property Law for a free consultation. Premier Property Law has recovered over $25 million for homeowners across the state of Florida
Insurance Claims for Storm Damage
Filing an insurance claim for storm damage is a meticulous process that involves multiple steps, each crucial for securing the appropriate compensation for your losses. From the initial report to the negotiation of the claim settlement, each stage demands attention to detail and adherence to specific procedures.
- Immediate Reporting: Contact your insurance provider as soon as possible after the storm to report the damage.
- Documentation: Take photographs and videos of the damaged areas for evidence.
- Professional Assessment: It is advisable to consult a storm damage lawyer to assess the full extent of the damage.
- Review Policy: Before submitting the claim, understand what your insurance policy covers.
- Claim Submission: File the claim using the proper channels and adhere to deadlines.
- Negotiation: Your property damage insurance claim lawyer in Fort Lauderdale can help negotiate the terms of the claim settlement.
Understanding the nuances of FL storm damage and insurance claims is essential for property owners in Florida. While the process may seem daunting, legal guidance can significantly ease the burden. Premier Property Law stands ready to assist you in these complex matters. We have handled a variety of property damage claims for thousands of property owners. Contact us today for a consultation.
