Carrollwood Hurricane Insurance Claims Attorney
These strong storms are inevitable in Florida. Because the risk of loss is high, these insurance premiums are normally high as well. Insurance companies happily collect these premiums every month. Yet when a storm hits and claims begin, the company’s attitude often changes radically. Many insurance companies still remember Hurricane Andrew in 1992. This storm triggered over $10 billion damages in Florida alone. Nine insurance companies blamed storm payments for their bankruptcy filings.
In contrast, the zealous Carrollwood hurricane insurance claims attorneys at Moore Law are always on your side. Big insurance companies and their gaggles of lawyers do not intimidate us. Instead, we never stop fighting for your legal and financial rights in these cases, until we obtain the best possible result under the circumstances. Usually, this result is a full claim payment as well as an additional financial penalty.
Types of Storm Damage
The Sunshine State normally experiences about a half-dozen hurricanes a year. Wind, water, and smoke damage are the most common hurricane damage claims when these storms hit Florida.
Wind gusts exceeding 100mph are not uncommon in hurricanes and other tropical storms. These speeds are about twice as high as the “damaging wind” threshold established by the National Oceanic and Atmospheric Administration. Winds of this speed rip shingles off roofs and damage the ones that remain. If you see any evidence of wind damage, the visible signs are often just the tip of the iceberg.
Manufactured houses are especially prone to high wind damage. An 80mph wind can easily tip one of these homes over, causing catastrophic damage.
As little as three inches of water inside a home could cause serious structural damage. Urban areas are especially prone to floods. Structures like driveways, parking lots, commercial buildings, and residential dwellings all increase water runoff. Flood waters are a health hazard as well. Untreated water usually mixes with treated water.
Some people are surprised that smoke damage is so high on the hurricane damage list. But fires are common in the wake of a hurricane. Usually, the smoke causes a lot more structural damage than the flames. Additionally, emergency responders often flood structures with water. These responders are trained to stop a fire at almost any cost. That cost usually includes permanent water damage to existing structures.
Your Rights in an Insurance Claim Dispute
When policyholders file claims, the insurance company usually looks for the cheapest way out. But the laws in Florida do not permit such a response. Our Carrollwood hurricane insurance claim lawyers enforce these laws.
Total value is a good example. Property frequently depreciates over time. But the insurance policy covers the full insured value of the property. Insurance companies cannot use depreciation, or anything else, as an excuse to reduce payouts.
On a related note, the insurance company must fund seamless repairs. The insurance company cannot use cut-rate or inexperienced contractors. Furthermore, if a room or roof is partially damaged, the insurance company must replace the entire roof or room. Alternatively, the insurance company must ensure that everything matches.
Contact a Dedicated Hillsborough County Lawyer
Injury victims are usually entitled to significant compensation. For a free consultation with an experienced hurricane insurance claim lawyer in Carrollwood, contact Moore Law by going online or calling 813-510-5400. You have a limited amount of time to act.