Hurricane Irma Claims
As long-time residents of Florida, we understand firsthand how devastating and life-altering Hurricane Irma was for many of the residents of this state. Whether you have lost your home or your vehicle, or you have been hurt in a storm-related accident, your insurance company may be required to provide you with coverage according to the terms of your policy agreement. When it comes to interpreting the scope of coverage, insurance companies are not always fair, requiring claimants to retain a knowledgeable Fort Myers or Cape Coral hurricane insurance lawyer to defend their rights. At Martin Law Firm, our personal injury attorneys take pride and satisfaction from providing ordinary people with the legal counsel that they need, including when it comes to holding insurance companies accountable.File a Claim to Receive Coverage for Hurricane Irma-Related Damages
In September 2017, Hurricane Irma wreaked havoc throughout Florida. The storm was so large that it virtually covered the entire state, making an accurate assessment of the totality of the damage difficult to capture. Nearly 13 million Floridians were without power following the storm, while homes throughout Key West, Miami, Naples, Orlando, Jacksonville, and Gainesville experienced severe flooding and damage from the hurricane force winds. In Cudjoe Key, where the storm’s eye made landfall, roughly one in five homes were destroyed. Many people in Florida are now facing the complete loss of their business, which may result in their needing to file for bankruptcy or pursue other forms of financial relief. Meanwhile, their employees are left without a paycheck and struggling to find work elsewhere.
In general, routine homeowners’ insurance policies provide coverage for some hurricane-related outcomes like wind damage, while flood insurance policies will cover damages related to any flooding, standing water, or rain-related damage. If a consumer has both general homeowners’ insurance and flood insurance, the damages that result from the storm should be covered by either or both of these policies. As a hurricane insurance attorney in Cape Coral or Fort Myers can explain, however, claimants must pay a special hurricane damage deductible before they can take advantage of any policy benefits available. According to Florida Statutes section 627.701, insurance companies have discretion to set the deductible, which is often higher than deductibles that apply to more routine losses, at an amount between $500 and 10% of the structural value of the home.
We can assist disaster victims with navigating the complex and often stressful insurance claims process. Our Fort Myers and Cape Coral hurricane insurance attorneys can handle situations related to water intrusion damage, roof damage, and other property-related losses. One of the most difficult aspects of these claims is proving to the insurance company that the damage was not present prior to the hurricane and that it was a direct result of the storm.
An insurer may engage in unreasonable delays in responding to and paying a claim, deny the claim outright or portions of the claim, or provide a lowball estimate regarding the amount of damage that exists. Since insurance policy agreements are so complex, an insured individual may not be able to understand the nature and scope of their rights, allowing claims adjusters to take advantage of the knowledge disparity. Florida law is clear that when there is any ambiguity in an insurance policy, the term must be interpreted in favor of the insured. Ultimately, however, disputes about insurance policy coverage can be stressful and take a long time to resolve, which is why having a dedicated attorney on your side is critical.Contact a Hurricane Insurance Lawyer in Cape Coral or Fort Myers
As you begin to pick up the pieces that Hurricane Irma left in her wake, the last thing that you should need to handle on your own is navigating the insurance claims process. At Martin Law Firm, our two senior attorneys, Steven and Eviana, are a husband and wife team who understand how a natural disaster like this can devastate a family. Whether you are just beginning to consider filing a claim and gathering evidence, or you are already dealing with an insurance company that does not have your best interests in mind, we are standing by and ready to help you seek the compensation and insurance coverage that you deserve. We also assist residents of Naples, Tampa, Miami, and other cities in South Florida. Call us now at (844) 465-4357 or contact us online for a free consultation.