Florida experience roughly 40% of the devastating storms that affect the United States, with hurricanes topping the list. The storms cause significant damage to properties, leaving owners distraught with major cleaning up and losses as they repair damages. Insurance companies will come to your promising to be there for you during such times, but make a claim process another nightmarish experience. Often, the insurers offer minimal to no compensation for the damages. That is why we advise people to contact an experienced and reputable Hollywood storm damage lawyer to help them pursue the claim and win.
At Klotzman Property Damage Law, we routinely work with different clients whose properties have been destroyed or affected by storms like hurricanes, thunderstorms, and hail. The distraction to your home might lead you to consider replacing the entire house or dealing with significant renovations, leaving you in a financial bind. Theft and looting are other problems that can cause further losses. However, we are confident that our accomplished property damage lawyer will be with you every step of the way as you face your insurance provider seeking compensation. Visit your office in Hollywood, Florida or call us today at 954-915-7405 to schedule a free non-obligatory case review and learn more about how we can help.
What Types Of Storm Damage Are There?
Florida is a storm-prone region. Therefore, the insurer’s contractual obligation per the home insurance policies and the Florida Homeowners Claims Bill is to process claims consistent with their client’s losses. The damages property owners in Hollywood and greater Florida are likely to suffer after a storm include:
- Hail damage
- Water damage
- Wind damage
- Lightning strike
- Damage caused by power surges
The standard homeowners’ coverage protects you against most storm-related damage with the exemption of flood damage because the latter is covered under the NFIP (National Flood Insurance Program). The attorney from Klotzman Property Damage Law will ensure your insurer honors their contractual obligations as they enforce your statutory rights when recovering damages to your roofing, walls, flooring, basement, equipment, and exterior structures caused by hail, hurricanes, thunderstorms, lightning strikes, or a power surge.
Do I Need To File A Storm Damage Claim With My Insurance?
Suppose you have been paying your insurance premiums faithfully because you expect to be protected against storms and other disasters. In that case, your insurance provider should hold their end of the deal when you file a storm damage claim. However, many homeowners in Florida encounter challenges when taking such actions.
Insurers never want to make losses through compensation payments. Hence, they try to settle claims inexpensively and quickly, which is never in their client’s best interest. The settlement they offer might not cover the damages or losses sustained, and they might cite reasons like the policy did not cover your type of storm damage. We know that the law safeguards your right to seek compensation if you have honored your part of the insurance policy. Our Hollywood storm damage lawyer will review the claim and ensure you get top-notch counsel when seeking the fairest settlement possible.
How Do I Prepare For My Storm Damage Claim?
The aftermath of a violent storm is never something we wish anyone to experience. But it is best to know the steps to take if you reside in storm-prone regions like Florida. We first recommend having a homeowner’s insurance cover to help you claim damages and ease the uncertainty and anxiety associated with the process. At Klotzman Property Damage Law, we understand the hurdles you might face; thus, we recommend implementing the following tips to help ease things for you when preparing for the storm damage claim. They improve your chances of securing compensation depending on your insurance coverage.
File A Claim With Your Insurance Company
You must file your claim soon after the storm, which is your legal right. Moreover, it helps keep your insurance provider from citing dubious grounds to reject the coverage and helps shorten the claim process if there is no resistance.
Take Photos And Video Of The Damage
Documenting the damage and storing everything is wise because it ensures you have proof that will support your claim. Take photos and short videos of your property’s interior, exterior, and personal belongings damaged in the storm.
Mitigate Further Loss
While the aftermath of a ravaging storm might leave you somewhat confused about what to do, we recommend assessing everything and taking adequate measures to prevent more loss. For instance, you can remove undamaged personal items from the property. It ensures they are not a risk of mold and moisture damage. Further, taking such steps means you have fewer issues to worry about as you count the damages and losses to prepare for filing the claim. Mitigating further loss can be the key to getting your claim approved by your insurance company.
Ensure All Receipts And Relevant Records Are Safe
Your home might be uninhabitable after the storm, meaning you must look for alternative shelter or perhaps clothing. Therefore, ensure that you keep a concise record of the different expenses you incur when purchasing essentials covered under your insurance coverage.
Contact A Storm Damage Attorney Promptly
It is best if you reach out to our property damage lawyer to discuss the claim case and help you understand the entire process and how to protect your claim. It also would help if you had an experience and reputable attorney who fights aggressively for your interests and rights.
Is Storm Damage Covered Under A Homeowner’s Policy?
Homeowner’s insurance coverage protects your property against storm damage, with the exemption of floods. However, some insurers will exclude some types of storm-related damage or include clauses that protect them from compensating clients for some damages. Therefore, it is best to take the time to review and understand what the policy protects you against and consult a lawyer to help you make an informed decision. Call us at 954-915-7405 to know more about how we can help.
Are There Deductibles And Limits For Storm Damage?
Do you know that your homeowner’s policy might include a deductible? Furthermore, are you aware of how the deductible impacts your storm damage claim or when it applies? The laws regarding storm damage insurance claims and when deductibles apply. The details might be complicated for you to comprehend. Still, our storm damage lawyer in Hollywood, Florida, can clarify things for you to ensure you know what to expect when pursuing the compensation claim.
How Can A Storm Damage Lawyer From Klotzman Property Damage Law Help With My Claim Process?
It is best to contact an attorney when preparing to file a claim. You will have an experience law professional committed to helping you cover the different requirements to file your claim on time and avoid hiccups. Some of the things that we guarantee all our clients when they come to us include:
- Focus On The Client: You will have a team that defends your rights and interests. We shall be beside you throughout the process, going toe-to-toe with the insurance companies to help you secure the maximum settlement possible.
- Significant Damage Amounts: We know the impact that storm damage can have on you. that is why with taking an objective approach to helping you secure the compensation that covers your losses and ensures you regain some normalcy
- In-Depth Property Damage Expertise: we are a law firm specializing in property damage claims. We know the tricks claim adjusters and insurance companies use to reject or reduce settlements; thus, we are confident your case is in the safest hands.
- Free Consultation: Our doors are open to all seeking to hire a seasoned, reputable, dependable property damage attorney. Our law professionals are only a call away, ready to listen to your claims and offer expert advice on the best steps to take when pursuing storm damage claims.
In short, hiring the right lawyer will be a wise move if you want to ensure you protect and preserve your home and family’s financial sanity after a disaster. Why go through the hassle of battling the insurance company while struggling to rebuild and regain your way of life? Let us help lessen the burden.
Contact Us Today To Talk To The Best Property Damage Attorney In Hollywood, Florida
Klotzman Property Damage Law is committed to serving Florida residents. We are a principled team of law professionals with a distinguished history of fighting insurance companies and winning. We understand how they operate and their tricks to reject or reduce compensations. Why should you carry the financial burden of restoring your home after a storm when you have never missed paying your homeowner’s insurance premiums? Your insurer is legally and contractually obligated to compensate you for the losses incurred, and it is our mission to ensure you receive all you are owed.
At Klotzman Property Damage Law, we are confident that our accomplished Hollywood storm damage lawyer will be with you every step of the way as you face your insurance provider seeking compensation. Visit your office in Hollywood, Florida, or call us today at 954-915-7405 if you need a compassionate and experienced legal team fighting for you. Get in touch to schedule a free non-obligatory case review and learn more about how we can help.