Hurricane Ian Damage Claims
Hurricane Ian caused damage to many homes and businesses throughout Florida. Communities like Naples and Fort Myers to inland communities around Orlando were among the areas most affected.
Merlin Law Group is here to help policyholders if their insurer wrongfully delays, denies or underpays their Hurricane Ian insurance claims.
We have included several helpful assets below detailing the insurance claim process. Please feel free to download these and keep them for your records.
Many law firms advertise they litigate property insurance claims, but when you dig deeper, they also work in many additional areas of practice. At Merlin Law Group, our practice is dedicated to representing policyholders and litigating their insurance claims. Our firm has successfully litigated and recovered damages for more than 100 million dollars for an insured on a single case. Having a dedicated trial team, financial resources to fight the insurance companies and attorneys nationwide have enabled Merlin Law Group to stand out from our competitors.
If your home or commercial property was damaged by Hurricane Ian, you may be eligible to receive compensation from your insurance company. We are affordable and work on contingent fees based on the stage of your insurance claim. We have a network of hurricane damage assessment experts who can determine the amount of the loss caused by the hurricane and explain your options for repair and replacement of damaged property.
Contact Merlin Law Group’s experienced hurricane attorneys to learn more about how we can help you during this devastating time.
Facebook Community Groups for Hurricane Ian DamageFort Myers Hurricane Ian Insurance Recovery Sanibel Island Hurricane Ian Insurance Recovery Captiva Island/Lee County Hurricane Ian Insurance Recovery
Hurricane Damage FAQs
Our hurricane claim attorneys are here to answer your questions
- File a claim with your insurance company.
- Take photographs of any damage to the interior and exterior of your home.
- Compare new photos with those taken before the storm.
- Have a public adjuster, contractor, or damage expert assess the property.
- Understand your insurance policy and what is and isn’t covered.
- Contact an experienced hurricane damage attorney if your insurer is wrongfully delaying, denying, or underpaying your claim.
This depends on whether your insurance policy covers the full scope of potential hurricane damage. For example, many policies exclude flood damage, which is ironic given that flooding can often lead to the most significant type of damage suffered by a home during a hurricane. Most standard homeowners policies separate water damage from flooding, so you will need to secure flood coverage through either the National Flood Insurance Program, FEMA, or another authorized private carrier.
Oftentimes no. Policies will include wind damage and in some cases, water damage, but damage from flooding is another element that is typically excluded from most policies. Homeowners will need to obtain flood damage coverage through an authorized private carrier or public entities like the National Flood Insurance Program or FEMA.
An insurance coverage limit determines the maximum amount of money an insurance company will pay for a covered claim. There may also be time limits within which you have to file a claim for incurred damage(s). We strongly recommend you go through your policy thoroughly to figure out what limits are present.
Anti-concurrent clauses prohibit recovery when a covered peril and non-covered peril combine to cause a loss. For example, if your home sustains wind (covered) and flooding (non-covered) damage due to a hurricane, your insurer will deny your claim regardless of the existing wind coverage. Be sure to read through your policy to determine whether there are any of these clauses.
In order to avoid underinsurance, we recommend you adopt Replacement Cost Coverage [RCC] over Actual Cash Value [ACV]. RCC equates to the cost to replace the damaged property with materials of similar kind and quality without any sort of deductions for depreciation. ACV payouts can be broken down into three ways:
- The cost to repair or replace any damaged property, minus depreciation
- The “fair market value” of the damage property
- By using what is known as the “broad evidence rule,” which is when insurers consider all relative evidence of the value of the damaged property. We recommend RCC because you stand to receive fairer compensation when filing a claim.
See what our customers have to say
Thank you Ashley Harris and Will Midtbo. Ashley was extremely helpful reviewing the policy and guiding my strategy for the recovery. Will was very responsive and helped coordinate communications. In the end my client got a full limit of insurance recovery. Thank you both. Great company.William Williams
Top notch firm of first party property insurance plaintiff attorneys. Merlin is very big on education, training and ethics. And they put out a great blog.Mark Goldwich
I would like to thank Merin Law Group for their professionalism! Drew was amazing! He has such a passion and truly cares for people! He is very courteous! Pam and Will are very helpful! Everything was explained step by step. I would highly recommend this firm. Thank you for all your hard work and dedication!Holly Carter
The Merlin Law Group was outstanding. Their service was excellent and timely. The entire team was most helpful and gave me a superb settlement to my damage claims. Highly recommend for any legal requirements.Jerry Ladd
Merlin Law arranged a settlement from our homeowners insurance because Irma hurricane roof damage had been denied. Everything that was explained to us about how our settlement would be resolved took place. We were pleased it took a reasonable time to resolve and our roof will be replaced. Their service was paid by our insurance.Ed Levy
My experience with Merlin Law was very positive. All communication was professional and courteous, with many updates on the progress of the case. I highly recommend Mr. Austin and his staff for any claim against an insurance company.Betty Russell
I am blessed to receive help from the Merlin Law Group. May God richly bless this firm. All for God's glory.Ivandale Remocal
They took us from a total disaster to complete peace of mind. I can’t recommend them enough.Jon Vanderlinde
Very happy with the professional and result driven service that I received from Shaun Marker and his team.Liz Van Tassel
Great Attorneys Larry Bache and Lucas Austin and Team....they will prevail and win...HIGHLY RECOMMEND THIS FIRM.Jim Barnes
Merlin Law Group was great. Went above and beyond to get us what we needed. Our paralegal Bob was extremely helpful and responsive. Very experienced group and got the job done in the timeframe expected. Highly recommend to others!Bernadette de Isaza
I would like to thank Merlin Law Group for their professionalism! Drew was amazing! He has such a passion and truly cares for people! He is very courteous! Pam and Will are very helpful! They go above and beyond! Everything was explained step by step. I would highly recommend this firm. Thank you for all your hard work and dedication!Holly Carter
The best law form for property damage claimsRuben Calas
The Merlin team was able to settle our claim when we thought we were destined to live in our backyard for the foreseeable future. The guidance provided to us at every turn proved to be the difference. My recommendation is to let the insurance company do their job but if they come up short, have the Merlin team on speed dial and waste no time pressing the button for help.Gary Wagner
I have worked with Merlin for years. They are the most upstanding firm I know.Justin Robert Skipton