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Hurricane and Tropical Storm Damage
As a homeowner, hurricane and storm damage may leave you in a complicated and life-changing circumstance, shaking you emotionally and physically. In particular, the state of Florida is well acquainted with these natural disasters. If you are a homeowner and experience loss and damage in the event of a hurricane or tropical storm, take a deep breath and understand that you have options.
Remember, you can always call Coye Law Firm and speak with a homeowners insurance attorney for legal advice. Also, learn how to properly prepare for a hurricane, so that you can minimize damage and protect your household as best as you can.
Hurricane Damage: The Home Assessed
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At 8 p.m. on August 13, 2004, Hurricane Charley landed on the southwest coast of Florida, causing extensive damage, making it the second costliest hurricane as of 2004. Total Deaths: 29 |
The hurricane season (generally June to November) is when a homeowner faces the most risk of damage. In the state of Florida, this season can sometimes be longer than that, as tropical storms have a way of sporadically appearing. There are a few different types of damage that can happen to your home in the case of a hurricane or tropical storm:
- the structure of the home itself
- other structures (such as sheds, detached garages, etc.)
- property found within the house or other structures belonging to the house
- loss of use (such as having to stay outside of the home due to repairs)
These different types of damage may all be covered in the case of a hurricane or storm. When you’re left stranded outside of a battered house, you probably expect your homeowners insurance to cover you and your damages.
Bad-Faith Homeowners Insurance: The Problem
Sadly, this isn’t always the case. Sometimes homeowners insurance companies simply won’t pay out or they won’t pay you the full amount due to issues with the policy or based on appraisals made by the insurance agency itself. These issues can make an already frightening and confusing circumstance that much more complicated. Many homeowners do not realize that damages caused by flooding water are not covered under their homeowners insurance policies, and for this kind of coverage a separate flood insurance policy may be required.
The disputes may be over the jargon of the homeowners insurance policy or it may be bad-faith insurance, as the policy could potentially be misleading. There should be no need to deal with such frustrations. A dispute with your homeowners insurance company is the last thing you need on top of the damages of a hurricane or tropical storm itself.
To better protect yourself before you encounter a problem such as this, consult The Department of Financial Services for a comprehensive guide on insurance companies to verify their authenticity.
Homeowners Attorneys: The Solution
When you find yourself head-to-head with your insurance company, an experienced homeowners insurance attorney may help you in the most important of circumstances. Legal representation at Coye Law Firm may be able to help you understand your rights and help you get the compensation you deserve in the case of a hurricane or tropical storm.
The Coye Law Firm is committed to helping each and every client to the highest standard of quality possible. Don’t let yourself remain lost, confused and at-risk in the aftermath of a devastating hurricane or tropical storm. Take matters into your own hands and contact a homeowners insurance attorney today.