South Florida was thankfully spared the wrath of Hurricane Michael. The Florida Panhandle, on the other hand, wasn’t so lucky. While we were spared over here, it’s worth remembering the steps homeowners should and should not take in the event a major storm does wreak havoc like Irma did last year.
Keep your damaged items. By this we mean don’t just throw away anything that may have sustained damage. Snap a picture or two of the damaged items that cannot be repaired. Insurance companies will more than likely require photographic evidence of damage when you file a claim. Additionally, the company will want for you to take the steps to mitigate further damage to any valued property.
Don’t hesitate. Few homeowners want to deal with the headaches involved in going back and forth with an insurance company, but the sooner the company is contacted, the sooner an adjuster can be sent out. If your home is among many to be damaged, you may have to wait several months before being compensated as the insurance company deals with other claims. On top of that, your policy may have terms mentioning a requirement for “prompt notice”, which means you must notify them as soon as possible.
Keep an eye on the adjuster. It’s not unusual for an adjuster to do a cursory inspection of the damage instead of fully evaluating the property. They may, for example, decide not to check out the roof. If the adjuster fails to check out all the damage, make a note of what areas went unevaluated.
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 a Miami property insurance lawyer 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.