Today we’re highlighting another example of insurance companies allegedly failing to properly assist their policyholders with damage due to Hurricane Irma. In this case, it involves a Jacksonville-based couple who decided to stay home during the storm. As Hurricane Irma progressed, water from a nearby river eventually began making its way into the house, resulting in the couple’s home being flooded with over three feet of water.
The couple had recently purchased flood insurance but according to the policy, the effective date was after the storm had come and gone. This meant that they were technically uninsured when the storm happened. Flood insurance policies generally have a minimum 30-day waiting period before they go into effect.
The couple did their research and discovered that the insurance company had accepted her policy payment earlier but it took a few days to clear. According to federal insurance laws, the 30-day waiting period for a flood policy begins immediately upon submission of payment. Hence, the couple’s home was indeed covered. After much back and forth and having to nearly resort to legal help, the insurance company did indeed work with the couple in helping them with their flood damage.
Again, insurance companies are not necessarily your friends. If your insurer is giving you a hard time, contact us and we may be able to help.
This information is provided by Miami insurance attorney Alonso & Perez, LLP. Our areas of practice include bankruptcy, insurance litigation, foreclosure defense, immigration law, and more. Call 305-676-7545 to speak with one of our attorneys and receive a free consultation We look forward to working with you.
This information is provided for educational or informational purposes only and should not be construed as legal advice. The information is not provided in the course of an attorney-client relationship and is not intended to substitute for legal advice.