Skilled Hurricane Damage Lawyer Serving Southeast and Southwest Florida
Florida suffers more hurricane impact than any other state in the U.S. Hurricane Ian left $40 billion of property damage in its wake, with many Floridians unable to cover rebuilding costs.
If your property suffered in a hurricane, call EC Law Counsel at (954) 861-0833 and claim your free consultation with a hurricane damage lawyer. Our law firm will examine your insurance coverage, evaluate your claim’s value, and help you recover compensation from your insurer.
Who Will Pay for Hurricane Damage?
Typically, hurricane damage coverage splits between homeowners, flood, and, in some cases, windstorm insurance. Standard homeowners insurance usually won’t cover flood damage, which is a common outcome of most hurricanes. That’s why separate flood insurance is a must-have for all Floridians with property in hurricane-prone areas like the Gulf or Atlantic Coast.
Depending on its specific terms, your flood insurance policy may cover:
- Structural damage to your home
- Damage to detached buildings on your property, like garages or storage sheds
- Personal property damage
- Rent costs if the hurricane makes your home unfit to live in
- Medical expenses in case you sustain a personal injury in the hurricane
A windstorm insurance policy typically covers damage to a homeowner’s property caused by high winds, such as those from a thunderstorm or a hurricane. This type of coverage is often included as part of a standard homeowners insurance policy, but in some areas where the risk of wind damage is particularly high, such as coastal regions, it may be sold as a separate policy or as an endorsement to a standard homeowners policy.
The specific coverage provided by a windstorm policy will vary depending on the insurance company and the policy itself. However, some common types of damage that a windstorm policy may cover include:
- Damage to the home’s structure, such as a roof being torn off or walls being damaged
- Damage to the interior of your property, such as roof leaks
- Damage to detached structures on the property, such as a garage or shed
- Damage to landscaping, such as fallen trees or damaged fences
- Loss of use of the home, such as if the home becomes uninhabitable due to wind damage
Our legal team can help you understand what your insurance coverage includes and the steps you need to take to file a claim.
What to Do After a Hurricane
If you find yourself in a hurricane zone, prioritize your safety and evacuate if necessary. It is important to take steps to ensure your safety and the safety of your property. Here
After the hurricane event, contact us and start the claim process as soon as possible. You should also:
- Assess the damage: Carefully inspect your home and property for damage.
- Take multiple photos and videos of the damaged property
- Make a list of all your lost or damaged items
- Secure your property: If your home has sustained damage, it may be unsafe to remain inside. Secure your property by boarding up broken windows or covering holes in the roof with tarps. This will help prevent further damage.
- Watch out for hazards: After a hurricane, there may be a lot of debris and hazards in the area. Be careful when walking or driving around, and watch out for fallen power lines, broken glass, or other hazards.
- Follow official guidance: Be aware of any official guidance or orders issued by local authorities and follow them. This could include evacuation orders or boil water notices.
You may need to pay for some emergency repairs to protect your property from further damage. Document these expenses and save all receipts to claim reimbursement later.
Why Work With a Hurricane Damage Lawyer?
As a homeowner with property insurance coverage, you may believe you can count on fair compensation in case of a hurricane damage. Unfortunately, insurance companies often use underhanded tactics to dodge legitimate claims. Insurance adjusters may try to undervalue the extent of the damage or pin it on causes your policy doesn’t cover. Experienced hurricane damage lawyers like EC Law Counsel know how to navigate the claim process, assess your damage, negotiate with insurers, represent you in court, and improve your chances of recovering the maximum amount of compensation. Homeowners who work with us benefit from:
- 11 years of experience in hurricane damage claims
- A savvy team with insider knowledge of the insurance industry
- A personalized approach and a high level of attention to each case
- A fast, responsive legal process
EC Law Counsel: Handling Hurricane Damage Claims in Southeast and Southwest Florida
Is your insurance company attempting to deny, delay, or downplay your hurricane damage claim? Contact EC Law Counsel. Our legal team has over a decade of experience helping homeowners in Southeast and Southwest Florida recover compensation after hurricanes and other extreme weather events.
Call (954) 861-0833 or fill out our online form for a free case evaluation by a local hurricane damage lawyer.