The official hurricane season lasts from June 1 to November 30, although these all too familiar storms usually peak between August and October. Though annual hurricanes and tropical storms are a huge risk to local homeowners, Florida is susceptible to many other types of disasters.
Other examples of disasters that can affect your home include:
The typical homeowner’s insurance policy doesn’t cover flood damage, so if this a concern of yours, we urge you to check that your policy covers water damage. When in doubt, never hesitate to contact your insurance company for the details of your coverage.
In the unfortunate event that a storm or another catastrophe, such as a fire, damages or destroys your home, you will have to file a claim with your homeowner’s insurance company. If the insurance company accepts your claim, it can help you cover the costs of repairs, replacements, temporary housing, and other expenses.
To report the incident to your insurance company, take the following steps:
- Call your insurance company to report the damage and ensure you’re covered
- Fill out the claim forms your insurer sends you as soon as possible
- Prepare for the insurance adjuster’s visit by documenting damaged items/areas
- Have your insurance adjuster inspect the damage
- Make temporary repairs for your safety, if necessary
- Alternatively, find a temporary place to stay until the damage is fixed
Don't be shy about asking questions to your adjuster and always keep your receipts. Any documentation you have that reflects any expenses on behalf of your home’s property damage can be used as evidence to support your claim and will ensure you get reimbursed properly. It is always a good idea to photograph and catalog any damage that has occurred on your own as well—you never know when you’ll want or need a backup.
Should I File a Property Damage Claim?
Following a disaster, there may be doubt surrounding whether your insurance company actually covers it. You may even feel like the damage isn’t serious enough to warrant a claim.
Here are some questions you can ask yourself to decide if making a claim is the right choice:
- Is the damage to my property covered as a loss under my policy? If it is, then you may want to make a claim. If not, you may already be out of luck.
- What is my deductible? If the cost of the damages to your property doesn’t exceed your deductible, you may not want to file an insurance claim.
- Are there special policy limits that apply to my loss? Payment for damage to certain types of property may be subject to a special limit, which could be less than the total amount of damage to that property.
If you are still in doubt or would like assistance, feel free to contact our property damage lawyers to discuss these matters further during a free consultation.
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“I could not ask for a better lawyer. I left a very satisfied customer. I highly recommend them and would most definitely use them again should a need arise.” - Petty S.
At times, an insurance company will attempt to underpay a claim, or they may even throw it out entirely. If you believe that you have a valid claim, but your homeowner’s insurance company ignores your claim, refuses to pay it, or offers you a settlement amount that seems suspiciously low, you may have been a victim of bad faith. Our property damage attorney can help you fight bad faith practices in order to secure an adequate amount of compensation that will fully your losses.
Filing a Digital Insurance Claim May Help You
Thanks to an increasingly digital world, that has only become more online since the beginning of the Covid-19 pandemic in March 2020, there are more options for claimants to pursue compensation for their property claims by using ever evolving online tools. Not only can these digital tools help save you time to payout, an average of 5.5 days according to J.D. Power’s 2021 U.S. Property Claims Satisfaction Study, but it makes it easier to create inventory lists before a loss event which can also reduce the time to payout. If your insurance carrier offers digital tools, it may well be worth looking into. Have questions? Contact our firm today.
At the Pittman Law Firm, P.L., our husband and wife team has dedicated the last 25 years to representing Floridians in need. We incorporate a synergistic approach to every case, and we involve our clients in every step of the process. While we draw from past experiences to build a strategy that works for you, we understand that there is no one size fits all approach to legal matters. Every individual is unique—rather than making assumptions about you, we will take the time to listen to your specific situation and needs. For compassionate, steadfast, and professional legal help, we are the firm for you.
Call (239) 603-6913 or contact us online to schedule your free, no-obligation consultation with us today. We have offices in Fort Myers and Bonita Springs.
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