If your home was damaged or destroyed by a
hurricane – the last two are especially common in Southern Florida and Miami
– your one saving grace might be your
homeowners’ insurance policy. But not all saviors arrive just on time, and it could be a while before
your insurance actually gets to work, starts taking care of you, and starts
repairing or rebuilding your property. How long must you wait? The answer
varies considerably based on a number of factors.
Naturally-Delayed Natural Disaster Claims
Natural disasters that sweep over the land do not discriminate and do not
hold back. If your property was damaged due to a force of nature, odds
are high that hundreds, if not
thousands, of others in your area are experiencing much the same turmoil. An insurance
company putting in their best effort to handle all claims in a timely
manner may still be left scrambling to keep up with the number of calls
coming in each day for weeks after the disaster struck. The Federal Emergency
Management Agency (FEMA) could also be involved with taking care of people
displaced by the disaster, which is both beneficial but can also cause
delays and confusion. Lastly, if the damage has ruined roadways and other
avenues of transportation, it could be a long while before it is safe
for an inspector to come out to your property.
Professional Negligence Can Be a Problem
Human error and negligence can be so troublesome, they become akin to disaster
as well. If your insurance provider is not making an honest effort to
inspect your property and review your claim, you could be facing considerable
delays in the process. You may need to speak to a supervisor or checkup
on your insurance carrier regularly to ensure the wheels are in motion.
If their lack of effort is particularly off-putting or causing you undue
stress and pressures, it could constitute insurance bad faith, which is
a legal violation.
What is the Average Timeframe for a Property Claim?
With all things considered, the average property damage claim can take
more than a year to entirely finalize; extensive damage or unique conditions
could double the time of completion. But that doesn’t mean it will
take 12, 18, or 24 months to get your claim started and progressing –
this should happen on day one. If you prepare your claim thoroughly and
back yourself up with helpful evidence of the damage, and of what you had
before the disaster, you can help ensure the gears of your claim keep turning
so you are back in a complete, structurally sound home sooner than later.
For assistance with your case, or if you believe insurance bad faith is
causing delays, call
305.770.6838 to connect with Cohen Law and our Miami homeowners’ insurance claim
attorney. Our team is dedicated to upholding your rights and helping you
push for a total recovery after disaster strikes. Schedule a
free consultation today to begin.