Hurricane Ian caused massive damage to many properties throughout Florida. As Florida residents, we witnessed first-hand the destruction and loss caused by this storm.
We are now seeing that again with Hurricane Helene and Hurricane Milton. For immediate legal assistance from an experienced Fort Lauderdale Hurricane Helene damage lawyer, contact our legal team today.
As you start to submit your claims with your insurance company, we’re here to help you navigate the homeowners insurance claims process.
If your property has been damaged and your insurance company denies your claim, contact our Hurricane Ian claims attorneys to discuss your options. We service all of Florida, including Fort Myers, Cape Coral and all of Southwest Florida.
Hurricane Ian Damage Claims Attorneys
Our attorneys at Schilling & Silvers Personal Injury & Car Accident Lawyers are committed to protecting your rights after an insurance company has wrongfully denied your claim, delayed your claim, or underpaid you. If your home was impacted by Hurricane Ian, our claims attorneys service Southwest Florida, including Fort Myers and Cape Coral, and can help you navigate the damage claims process so that you can focus on getting back to your normal life after the storm.
WHAT ARE THE STEPS TO TAKE AFTER A HURRICANE HAS DAMAGED MY PROPERTY?
Report a claim to your insurance company. Schilling & Silvers Personal Injury & Car Accident Lawyers can assist with the filing and handling of your claim.
Take photographs of all areas of the property (damaged and undamaged areas)
Secure personal belongings
Contact a mitigation company to the extent necessary to provide drying equipment and tarps.
HOW DO I KNOW WHETHER OR NOT MY INSURANCE WILL COVER DAMAGE FROM HURRICANE IAN?
Every insurance policy is different. It is important to consult with a professional who can provide insight and advice on what may or may not be covered under your Policy. Schilling & Silvers is happy to provide a free review of your policy.
HOW LONG DOES IT TAKE FOR THE INSURER TO PAY OR DENY A CLAIM?
Generally speaking, the insurance company has 90 days to make a coverage decision. However, these are exceptions and extenuating circumstances in which that time-frame may be extended.
The hurricane damaged my home so badly that it is not in livable condition. Where do I start?
Many homeowners policies provide coverage for “additional living expenses” or those incurred as a result of the inhabitability of your home or inability to use certain aspects of your home for its intended use. For instance, if you have no electricity, your policy may provide coverage for food expenses and alternative living.
My house isn’t totally destroyed, but it is waterlogged. Does the exclusion for flood damage in my homeowners’ policy mean I get nothing?
If the damage is a result of storm surge, the carrier is likely to argue that it is flood water and therefore, not covered. However, if wind-driven rain came into the Property, there may be coverage.
I don’t have a separate “flood” policy and my home insurance company is telling me that all the hurricane damage to my home is excluded/not covered. Are they right?
You should consult an attorney to review the facts and provide their professional opinion on the proper course of action.