A Guide for Florida Homeowners in Property Damage Claims
Owning property in Florida comes with many benefits, but it also carries unique risks, particularly from severe weather. When your property sustains damage, filing an insurance claim is a critical step toward recovery. Understanding the different types of property damage claims and knowing how to navigate the process can significantly impact the outcome.
EC Law Counsel provides an overview of the most common property damage claims in Florida and offers a clear, step-by-step approach to handling them. By being well-informed, you can protect your investment and ensure you receive the compensation you are entitled to under your policy.
5 Common Types of Property Damage Claims in Florida
Florida’s climate and geography make it susceptible to specific kinds of property damage. Homeowners in the state frequently encounter the following issues.
1. Wind and Hurricane Damage
Due to its extensive coastline, Florida is highly vulnerable to hurricanes and tropical storms. The high winds associated with these weather events can cause catastrophic damage to roofs, windows, siding, and even the structural integrity of a building. Hail damage from severe thunderstorms is also a common source of claims, often leading to significant roofing repairs.
2. Water Damage
Water damage is a frequent issue, arising from various sources, one of them being storms. Storm surges and flooding during hurricanes, in particular, can inundate properties, while heavy rainfall can lead to roof leaks and water intrusion.
Internally, issues like burst pipes, appliance malfunctions, and plumbing failures can cause extensive water damage that requires immediate attention to prevent further complications like structural weakening and mold growth.
3. Fire and Lightning Damage
Florida is the lightning capital of the United States, making lightning strikes a significant fire risk. Fires can also result from electrical faults, kitchen accidents, or other unforeseen events. The damage from a fire is often twofold: direct harm from the flames and secondary damage from smoke, soot, and the water used by firefighters to extinguish the blaze.
4. Mold Damage
The state’s high humidity creates an ideal environment for mold to thrive. Mold can grow quickly after any water intrusion, whether from a storm, a leak, or high indoor humidity. If not addressed promptly, mold can cause serious structural damage and pose significant health risks to a home’s occupants, making it a serious basis for property damage claims.
5. Theft and Vandalism
Like any other state, Florida properties are at risk of theft and vandalism. These intentional acts can result in stolen personal belongings and significant damage to doors, windows, and interiors. Filing a claim for these incidents typically requires a police report to substantiate the loss.
Why Claims Are Denied or Underpaid
Even with a valid claim, homeowners sometimes face denials or low settlement offers. Common reasons for this include:
- Policy Exclusions: The insurance company may argue that the specific cause of damage is not covered under your policy.
- Insufficient Evidence: A lack of thorough documentation can lead the insurer to question the extent of the damage.
- Disagreements on Repair Costs: The insurer’s estimate for repairs may be significantly lower than the quotes you receive from independent contractors.
- Failure to Mitigate Damage: Most policies require homeowners to take reasonable steps to prevent further damage after an incident, such as covering a leaking roof with a tarp.
Secure the Compensation You Deserve
Navigating the complexities of property damage claims can be overwhelming, especially when you are trying to recover from a stressful event. If your insurance company is attempting to deny, delay, or underpay your hurricane damage claim, you do not have to face them alone.
EC Law Counsel has over a decade of experience helping Florida homeowners recover the compensation they need after hurricanes and other extreme weather events. Our dedicated legal team understands the tactics insurance companies use and is prepared to fight for your rights.
Don’t let an unfair settlement prevent you from rebuilding. Contact EC Law Counsel today by calling 954-740-6333 or filling out our online form to schedule a free case evaluation with a local Florida hurricane damage lawyer.
Eunice Cabrera
Attorney Eunice Cabrera has a unique advantage when it comes to property damage claims. Because she has worked extensively on both ends as an adjuster and as a litigator, Eunice knows how to properly evaluate a claim and obtain a settlement. She understands the strategies that work to get her clients what they rightfully deserve.
