The state of Florida has many areas that are prone to severe damage from hurricanes, floods, and other natural disasters. When this happens, it is important to follow through with an insurance claim, and take additional measures if the provider refuses to pay out a reasonable amount to make repairs. There is usually plenty of time to address the situation because of generous deadlines for claims related to damage, but it is always advisable to get started early.
Local news for the Naples area published some answers regarding how people can get help after a hurricane, even if property damage is not apparent until years later.
Discussion of claim procedures and possible denials
People who are affected by a hurricane in Fort Myers and other parts of Florida actually have up to three years to file a claim. This is done for a number of reasons, but one of the main factors is due to damage that may not be noticed initially or gets worse over time. This longer time frame allows homeowners an additional chance to get a second opinion or have a professional look at a problem that may not become apparent until months or years after a hurricane. Especially in situations where water damage is involved, leaking and other related problems can remain hidden. A roof or set of windows may need to be replaced entirely if the damage was severe enough.
As long as a homeowner is within the three year window of when the hurricane initially struck, a professional can provide an opinion regarding wind damage, flooding, and other related problems that resulted in the damage. This documentation can always be provided to the insurance provider as proof of the problem as long as it is within three years. In some cases, there may be additional deadlines that are relevant, so it is important to talk with your insurance carrier about the specific terms of your policy and consult with an attorney as well.
Dealing with the aftermath of a claim denial
When an insurance claim is denied, it is important to realize that your rights to receive money to make repairs do not terminate immediately. Insurance companies sometimes make mistakes, and other problems can emerge that prevent you from getting paid. The right attorney can make sure that the insurance provider is actually following state law and the terms of your policy. They also may be able to negotiate on your behalf to receive a larger amount than their initial offer.
Learn more about insurance claims and denials
There are attorneys who focus their practice on assisting people with insurance claim denials and related issues. To receive help in Southwest Florida, contact:
2423 First Street, Fort Myers, FL 33901