Florida residents who own homes that sustained damage during Hurricane Irma are getting close to the time when they will need to file an insurance claim if they want help funding recovery costs. They have three years from the time a hurricane makes landfall to notify their insurers about claims related to damage or loss. Irma made landfall on Sept. 10, 2017, so home and property owners have just a little over a year left to file their claim.
Many insurance companies request that home and property owners submit claims as soon as they are aware their property has sustained damage. However, it is not always possible to detect hurricane damage right away. This is especially the case when it comes to roof damage.
Prudent property owners may request an evaluation from a roofing company to assess damage their roof has sustained. This is wise since professionals know what to look for. There may be more benefits to working with an insurance restoration contractor as opposed to a handyman or roofing company, however. These professionals have an accurate understanding of what may be covered by an insurance company and can easily detect and fix damage. They are especially good at addressing urgent concerns.
From the time that Hurricane Irma made landfall until mid-November 2018, more than a million insurance claims were filed because of damage due to the storm. It's not too late for other claims to be made, particularly ones relating to window damage, wind damage and roof damage.
Individuals who have questions about filing claims and insurance law may wish to speak with a lawyer who works in this field. The lawyer may be able to provide information about homeowners insurance claims and hurricane damage claims. They may even represent their client in court if litigation is necessary.