Hurricane Hermine recently inundated the Big Bend area of Florida’s
northwest coast, causing massive
hurricane damage and
flood damage to several cities and counties. Early estimates guess that $50 million
to $100 million worth of damage to just homes has occurred due to the
strength of the hurricane, which actually reduced to a tropical storm
shortly after making landfall.
Down here in Miami, we were fortunate to be out of the swath of Hurricane
Hermine’s might. But it does serve as a reminder that hurricane
season is nowhere near finished for 2016; we might see intense storms
and cyclones as late as the end of November. After a hurricane floods
a city, one of the few things that makes matters worse is an insurance
provider wrongfully denying
homeowners’ insurance claims left and right to try to save money. If this happens to you and your claim
is rejected, do you know what to do?
Filing & Backing Up Your Flood Damage Claim
In order to prevent or fight an insurance claim denial, preparation is
key. If you have not already, you should start to catalogue the condition
of your property before a major storm hits. Take photographs of the area,
taking special note of rooftops, windows, paneling, and other parts of
your home that are susceptible to storm damage. If or when a powerful
storm surge does slam into your community, you can create another album
of photographs afterwards to create a clear side-by-side before-after
comparison to use in your insurance filing.
While this technique can help increase your chances of receiving the insurance
benefits you expect, it is not foolproof. Insurance companies that are
afraid of paying out too much following a hurricane or tropical storm
may take deliberate steps to wrongfully deny the claims of their customers.
This is known as insurance bad faith, and it must be challenged whenever
At Cohen Law, our Miami homeowners’ insurance attorneys regularly
take on cases for clients who need to go up against their insurance providers.
If you have been denied and do not think it is valid, you should
contact our firm today to learn about our services and your legal options.