Filing a wind damage claim with your insurance company can be challenging and complicated. Often, your insurer will hire an out-of-state insurance adjuster to help them after a disastrous wind event. However, many of these adjusters aren’t prepared to deal with homeowner’s insurance claims in Florida or are unfamiliar with the state’s building code, even though the insurance companies rely on them to determine whether or not to deny or cover a claim.
Seeking compensation for the damage to your home and property is stressful. Out-of-state adjusters and the hassle of taking on your insurance company make the task even more daunting. Insurance companies are for-profit businesses and will use the claims process and its requirements against you. They try to will use their experience and legal knowledge to deny your claim outright, or not pay it in full.
Wind damage can often cost more than your deductible. This is why you need your insurance company’s support. Unfortunately, due to their for-profit business model, getting that support isn’t always easy. Many insurers will use exclusions in your policy to avoid paying you the money you deserve. Here are some reasons they might use:
Damage caused by wind can include:
If winds damages your property, take the following steps.
Dealing with wind damage and a denied or underpaid claim is stressful work. At Louis Law Group, we have the expertise to deal with insurance companies and improperly paid claims. If you feel your claim was denied or underpaid, contact us at (954) 676-4179 for a free no-obligation consultation or case evaluation.