Hurricane Damage Claims

Hurricanes are devastating. The winds, rain, and potential flooding can wreak havoc on your home or business. After the storm, filing a hurricane damage claim can bring complicated issues and add to your mental distress. The claim information you present is crucial to the success of your case. Let Merlin Law Group assist you with forming a sound strategy to maximize your settlement.

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Hurricane Damage Insurance Claim

If you are still battling an insurance claim resulting from one of these recent hurricanes, our team can help you receive compensation from your insurance company.

Hurricane Damage FAQs
Our Hurricane Claim Attorneys are Here to Answer Your Questions

This depends on whether or not your insurance 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 homeowners policies separate wind from flooding, so you will need to secure flood damage 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—(1) the cost to repair or replace any damaged property, minus depreciation; (2) the “fair market value” of the damage property; (3) or by using what is known as the “broad evidence rule,” which is when insurers consider all relative evidence of the value of the damage property. We recommend RCC because you stand to receive fairer compensation when filing a claim.

We have experienced insurance claim attorneys practicing nationwide. View our directory of attorneys here.

What to do if your property sustains hurricane

  • File a claim with your insurance company
  • Take photographs of any damage to the interior and exterior of your home
  • Compare new photos to those taken before the storm
  • Have a public adjuster, contractor or damage assessment expert assess the property
  • Understand your insurance policy and what is covered

FAQ: Your Florida Hurricane Deductible

Property owners should be examining their insurance polices to review both their policy limits and hurricane deductible before disaster strikes. Read more on our Property Insurance Coverage blog. 

The Emotional Toll of Hurricanes

It is hard to predict the path of a hurricane. It is not so difficult to predict the physical and emotional harm caused by these monsters. While this blog and what our law firm does is primarily about financial recovery, it is important for everybody to understand that emotional recovery is just as significant.

Closed Claim File Statistics Following Hurricanes

Closed claim file statistics reported by various departments of insurance following hurricanes seem absurd to those in the impacted areas and those working in the insurance claim business. The root of the problem is that most departments of insurance put pressure on insurance companies to close claims fast and provide high percentages of closed claims.
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Chip Merlin, Merlin Law Group
Chip Merlin
Founder & President

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