Property Insurance Claims - Why can’t you get homeowners insurance during hurricane season in Florida? Part 2

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Why can’t you get homeowners insurance during hurricane season in Florida?

Why can’t you get homeowners insurance during hurricane season in Florida?

Florida residents know that homeowner’s insurance is important, especially when hurricane season comes around. So, why can’t you get homeowners insurance when you’ll need it most – during hurricane season?

Given that 76.5% of Florida’s population lives in coastal areas, it’s crucial that homeowners e covered for hurricane damage. Property damage claim attorneys often see homeowners who thought their insurance would cover hurricane damage, only to find out too late that their policy doesn’t offer adequate coverage.

Insurance companies place moratoriums on new plans during hurricane season

Hurricane season in Florida begins on June 1 and ends on November 30. That’s also when insurance companies issue moratoriums on new policies in areas that are vulnerable to natural disasters. Usually, insurance companies issue a moratorium a few days before a hurricane is expected to land to prevent people from purchasing policies at the last minute.

It’s best to purchase homeowner’s insurance and extra insurance, like flood coverage, before hurricane season. That way, you’ll have more time to shop around for the best policy and have your insurance in place in case of a storm.

Florida is a high-risk area for hurricanes, which are getting more frequent and destructive

Hurricanes are getting more destructive and frequent across the world, which means it’s important for people living in coastal areas to prepare for the possibility of storm damage to their personal property.

In 2020, there were a record total of 22 billion-dollar weather and climate disasters, according to the National Oceanic and Atmospheric Administration. In both 2018 and 2019, 14 billion-dollar weather disasters caused a total of $136 billion in damages.

How a Florida property damage claim lawyer can help you

Insurance companies often make errors and deny valid damage claims after natural disasters. If your claim was denied, or you think you deserve more compensation following a hurricane, contact an attorney who’s experienced in property damage claims as soon as possible.

The team of attorneys at Louis Law Group is passionate about fighting for your rights as a homeowner and ensuring that the insurance company will give you and your family fair compensation to recover from the devastating effects of a hurricane.

Here’s how our attorneys can assist you through the claims process and negotiate on your behalf:

  • They will guide you through complicated insurance policy documents so you understand what the insurance company is responsible for covering
  • Work directly with your insurance company to resolve any disputes and answer questions so your damage claim is handled as quickly as possible
  • Assess your insurance company’s payout and renegotiate if necessary
  • Rigorously defend you against any bad faith insurance practices
  • Ensure the insurance company respects your rights as a homeowner under Florida state law

Contact Louis Law Group

Click here to contact our team of attorneys or call us at 954-676-4179 to book a free consultation.

Our attorneys can assist you in English, Spanish, or Creole.

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