North Miami Beach Hurricane Damage Property Claim Lawyer
Everyone in North Miami Beach dreads hurricane season. This is when powerful hurricanes barrel across the warm Atlantic Ocean from the Caribbean and destroy everything in their path including, sometimes, homes in North Miami Beach. If your property is hit and damaged, be sure to enlist the professional services of an experienced property damage lawyer.
Denied Hurricane Damage Property Claim
There’s only one thing worse than having a hurricane damage your property: an insurer that denies your hurricane damage claim. Many property owners in North Miami Beach take out hurricane insurance and still have their hurricane property damage claims denied.
Here are some of the reasons why your insurance companies might deny your hurricane property damage claim:
• You aren’t covered for hurricane damage.
You need hurricane insurance if you live in North Miami Beach. Relying solely on your homeowner’s insurance policy is a big mistake, as it won’t cover all the different types of damage a hurricane can cause. Even specialized hurricane insurance can have certain restrictions or limits that the policyholder may not know about because they’re in the fine print, which most people don’t bother to read.
• You’ve reached your insurance limit.
Many people underinsure their homes to keep their insurance premiums down. They provide the insurer with a limited list of items, or a comprehensive one that undervalues items. This mistake comes back to bite them if they’re hit by a major disaster like a hurricane, because insurance policies often have payout limits on insured items.
• You didn’t document the damage.
You must back up your hurricane property damage claim with proper evidence. The best way to do this is with pictures, or, better still, a video of your property and your household contents. Without this evidence, it will be difficult to prove what property you owned, and the insurance company won’t pay out without evidence of damage.
Why You Need an Insurance Lawyer
Insurance companies are notorious for denying hurricane damage property claims, because these claims are typically expensive and have a significant impact on their bottom line. They will thoroughly investigate everything and require absolute proof of property damage. If they don’t get it, they will simply deny the claim.
That’s why you should hire an experienced North Miami Beach property claim insurance lawyer. Our attorneys in North Miami Beach understand what it’s like to lose property to a hurricane, and they also have experience with filing hurricane damage claims. They deal with insurance companies every day.
Contact Louis Law Group
The lawyers at Louis Law Group know how insurance companies deal with hurricane damage claims and are dedicated to getting you the compensation and benefits that are your due. We don’t rest until we’ve negotiated the best possible outcome for you. Click here to learn more about us, or call 954-676-4179 to book a free consultation.
Frequently Asked Questions
Can I choose the contractor I want to use?
Yes. You are allowed to any contractors you want to repair the hurricane damage to your property. The only provisos are that the contractor’s cost estimate must align with the scope and extent of the work, and they must be a reputable company. If there are any problems with the repair estimates, your lawyer will address them with the insurance company and resolve them on your behalf. Insurance companies are obliged to make a reasonable settlement offer, and a good lawyer will make sure that they follow through.
How long does it usually take to settle a hurricane damage claim?
This is a tricky question at the best of times, because there are so many variables involved. The answer generally boils down to the details of your policy. When a community makes numerous hurricane claims, it can take longer than usual because the insurance company will have multiple claims to process, sometimes thousands. Louis Law Group has extensive experience with hurricane damage claims in North Miami Beach. They will use their expertise to ensure your claim is settled as quickly as possible.
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