Wind and Storm Damage Claims Lawyer in Florida
Living in Florida means residents are prone to tropical storms, hurricanes, and tornadoes. Storms can cause severe physical damage to the roof, windows, and other external structures of your home. Storms and strong winds can also lead to water leaks to the inside of your home, damaging furniture, carpets, wood floors, and walls. Wind and storm damages can ruin your quality of life and create unnecessary stress.
Thunderstorms, tornadoes, hailstorms, and hurricanes can tear shingles from your roof and give your roof a beating with tree branches. Angie’s list offers these helpful tips to check for storm damage to your roof:
- Inspect your attic for leaks or water damage.
- Look for signs of storm damage from the ground. Check for missing shingles or missing pieces of metal fascia, including any metal pieces displaced from around your chimney.
- You’ll notice if a tree fell on your roof. If so, stay out of your home until a professional can determine whether any structural damage occurred. Consider hiring a general contractor or roofer with a general contractor’s license if your home suffered structural damage, as you’ll need more than roof repairs.
- If the storm produced hail, check for roof damage as well as siding damage. Hail damage commonly comes in the form of dimples, made by smaller chunks of hail that pound the outer layer of shingles.
- Stay safe — avoid going on the roof to check for the damage yourself and instead contact a professional roofer.
Why You Need An Insurance Lawyer
Accurately identifying and addressing underlying structural and non-cosmetic issues caused by wind and storm damage typically requires an experienced professional. Often, Florida insurance companies do not act in your best interest when evaluating your loss. Instead, they minimize or deny your claim. That is why you need an attorney by your side. The Louis Law Group can assist property owners with new claims, underpaid claims, and denied coverage claims.
Contact the Louis Law Group
The wind damage insurance claims attorneys at the Louis Law Group always apply our thorough legal knowledge to each unique case. If you need help with recovering any losses resulting from wind and storm damages, please contact us today, call (954) 676-4179 for a free consultation.
We help clients with wind and storm damage property claims throughout Florida
Frequently Asked Questions (FAQs)
Does my Florida homeowner’s insurance policy cover wind damage?
Most standard homeowner’s insurance policies cover wind damage. Of course, if you live near the coast, your plan will probably not cover wind damage. It’s best to review your homeowner’s insurance policy to confirm whether or not wind is a covered peril. Is the policy “all-risk”, or are there special clauses related to windstorms? If wind damage isn’t covered, consider modifying your policy or obtaining supplemental coverage through another insurer. It’s wise to be prepared, as your home is a valuable asset – and maybe your most valuable one.
What protections exist for property wind damage in Florida?
There are two types of protection to look for if your homeowner’s insurance policy covers wind damage. The first is dwelling coverage, which protects your home’s overall structure. This coverage addresses repairs to the roof, windows, or siding of your home. The other protection is personal property coverage. This deals with replacement of personal property in your home that was damaged by the wind. Your policy may limit the payout amounts for each type of coverage.
What are the exclusions for home wind damage in Florida?
Many insurers will argue that a certain type of home damage should be excluded from coverage because it is the result of normal wear and tear, a defect, maintenance issues, or poor repairs, and not caused by wind. A public adjuster’s assessment of your damage may support your claim. Check your policy to see if it contains any exclusions that might cause your claim to be denied.