Rebuilding Lives. Rebuilding Hope.
Two major tolls are taken on families’ finances and emotions after vicious storms sweep through South Florida – one when assessing the damage, and far too often, the second when dealing with an insurance company.
If you feel shortchanged by an insurer after widespread damage to a home or business in the wake of a devastating windstorm or hurricane, you have a friend you can call upon at any time – seasoned insurance law attorneys who work hard for the justice you deserve.
We are the lawyers of Mintz Truppman, P.A., in Miami. We are the law firm that changed the face of Florida insurance law.
Let’s face it: South Florida is a hurricane country at certain points of the year. Amazingly, insurers often deny or lower damage claims after visible, legitimate hurricane or windstorm damage. The insurance company may contend that the damage existed prior to the dangerous, damaging weather, or was caused by water instead of wind or was caused by long-term neglect. These assertions may completely negate the way your policy was written.
If legal action is needed to achieve the justice you deserve and put this crisis in the past, we are ready to do that. Our knowledge of hurricane damage claims can rival that of any insurer. We combine that expertise with timely, proactive trial strategies, if they’re necessary, and direct personal service that lets you feel better about your situation.
Florida Hurricane And Windstorm Damage Claims FAQs
As much as you might be confused about where to start after a hurricane or windstorm damages your home or business, you are not alone. We answer some of people’s most common questions when dealing with hurricane and windstorm damage claims.
What should I do immediately after my home or business has been damaged by a hurricane or windstorm?
Once it is safe, document damage with photos and videos, make temporary repairs (keep receipts) and notify your insurance company. Do not discard damaged items until the insurer inspects them. Keep a detailed log of all communication with the insurance company and return to your property only when authorities say it’s safe.
How do I know if my hurricane or windstorm damage claim has been wrongfully denied?
While each case is unique, some potential signs of a wrongfully denied claim include:
- The insurance company denied your claim without proper investigation
- They’re using confusing policy language to justify denial
- The adjuster significantly undervalued your damages
- They’re claiming the damage was preexisting without evidence
- The company is unreasonably delaying your claim
No matter your case, it is beneficial to seek experienced legal help to understand your options.
Can I dispute my insurance company’s assessment of the damage?
Yes, if you believe your insurance company’s assessment is incorrect, you can dispute it. You can request a reinspection, hire an independent adjuster, provide additional evidence or file a complaint with the Florida Office of Insurance Regulation. Consulting with a lawyer is another effective legal option to help ensure your rights are protected.
What should I bring to my consultation with an insurance law attorney?
You will need to provide:
- Your insurance policy
- Correspondence with your insurer
- Photos and videos of the damage
- Repair estimates
- Receipts
- Reports from adjusters or contractors
Organizing these documents will make the claims process smoother and help your attorney evaluate your claim more easily.
You Survived The Storm. You Shouldn’t Have To Fight Your Insurance Company Too.
All we ask is that you take a moment to view our appellate cases on behalf of decades’ worth of satisfied clients, then contact us to discuss your issues at length and in confidence.
We look forward to hearing what you have to say — and to finding out how we can help. Mintz Truppman, P.A., offers free initial consultations by phone at 305-893-5506, or contact us by email message.