Hurricane Dorian managed to steer mostly clear of South Florida, sparing it from some potentially catastrophic damage. However, hurricane season isn’t officially over until the end of November. In the event a hurricane does pay a visit to South Florida, would you know what steps to take to file an insurance claim?
One of the first things you’ll need to do is figure out whether your damage was caused by flooding, wind, or rain. This is important as flood insurance in Florida is typically covered under a separate policy and, therefore, isn’t covered in a standard homeowner’s policy.
Once you’ve figured out the “culprit”, make temporary repairs so that your home doesn’t sustain further damage. Keep all of the receipts so the insurance company can reimburse you. If you’re planning on hiring a contractor, be wary if they ask for a large amount of money up front or if the estimates seem unusually low. Refrain from making extensive permanent repairs until the insurance adjuster has evaluated the damage.
Speaking of receipts, make sure to keep them if you need to relocate. Most insurance policies will provide coverage for these extra living expenses if your home is damaged due to a storm.
In regards to the adjuster, your insurance company may have you fill out a proof of loss form or they may send out the adjuster. The more detailed information you have regarding your damage, the easier it will be to process your claim and receive repairs or reimbursement.
This information is provided by Miami insurance lawyer Alonso & Perez, LLP. Our areas of practice
include bankruptcy, insurance litigation, foreclosure defense, immigration law, and more. Call 305-676-
7545 to speak with an insurance settlement attorney Miami 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.