Hurricane Matthew has mostly run its course and is headed back out to sea, those who were
in its path of destruction are now left to deal with the still remaining
catastrophic floods and severe damage. With winds exceeding 200 miles
per hour and floods in excess of 4 feet in some areas, the sheer level
of devastation caused by the storm is starting to come to light. While
many people have prepared for this event by purchasing or upping their
hurricane damage coverage, unfortunately, insurance companies are first
and foremost businesses and are more concerned with protecting their bottom
lines than paying claims.
If your home has suffered damage as a result of Hurricane Matthew, there
are several things you can do when filing your
homeowner’s insurance claim to minimize your chances of encountering costly delays or denials. The
following tips can help you strengthen your claim and ensure your rights
as a policyholder are protected.
Contact your insurer promptly: Waiting too long to contact your insurance company is one of the easiest
ways to have your claim denied. The longer you wait, the greater the chances
are that your insurance company will suspect the damage to your home was
caused by a reason other the storm. Likewise, if you were evacuated and
forced to stay in a hotel, letting your insurance company know will help
you possibly recover these costs.
Take photographs of everything: Take detailed photos of all damage to your home and possessions. This
includes structural damage,
flood damage and broken pipes, removed sections of framework, shattered windows, and
sheared roofing. It is also highly recommended you create a detailed inventory
of your belongings
before a storm hits in order to have a concrete record of the condition and value
of items in your home. Store these photos and information in an online
cloud service such as Dropbox to ensure your records are intact even if
your computer is destroyed during a storm. This can save you a considerable
amount of hassle in the event that you should ever need to submit a claim
for their replacement.
Read your insurance policy: Knowing what you are and are not covered for in the event of a hurricane
can be crucial to help you avoid denials and ensure you receive the proper
coverage. Knowing the exact wording of your policy will allow you to stand
your ground in the event that your insurer should attempt to limit or
deny your claim, allowing you to progress towards a final payout more quickly.
Contact an attorney: In the event that your insurance provider should attempt to deny your
claim, an insurance attorney can help you review the terms of your policy
and ensure they live up to their contractual obligations. In many cases,
a skilled lawyer will be able to help you recover a far greater amount
than you would have on your own.
Hurricane Matthew Insurance Claim Attorney in Miami
If you have encountered difficulty with your homeowner’s insurance claim,
contact the Miami insurance lawyers at Cohen Law today. With more than 10 years of proven legal experience, we have what
it takes to maximize your chances of securing the coverage you deserve.
To find out more about how our team of advocates can assist you, call
(305) 967-7550 today.