Understanding Insurance Claims for Tornado Damage After Hurricane Milton
Hurricane Milton caused damage across Florida. While much of the damage was the result of the hurricane itself, some of the destruction came from tornados spurred by the storm. Luckily, tornado damage is covered under most homeowners’ insurance policies, even if they’re caused by hurricanes. Here’s what your Florida hurricane insurance claims attorney wants you to know about filing claims for tornado damage.
Review Your Policy
Take the time to review your homeowners’ insurance policy in detail before you file your claim. Look at your coverage limits, the types of damage you’re protected from, any exclusions in your policy, and any conditions you may need to satisfy as part of your claim. If you have questions, be sure to speak with your insurance agent or a representative of your insurance provider as soon as possible. They should be able to explain everything in detail.
Contact Your Insurance Agent as Soon as Possible
The sooner you can file your claim, the better. Remember, hurricanes and tornadoes caused by hurricanes, cause widespread damage. This means many people will be filing claims at the same time, and the sooner you file yours, the sooner your claim will be processed. Contact your insurance agent as soon as you can. They’ll guide you through the claims process and help you get everything filed correctly.
Be Prepared to Document Everything
Documentation is key in proving the extent of the damage. Take pictures of all of the damage on your property, whether that damage is exterior or interior. You can also inventory the items in your home that were damaged and document the estimated price you paid for those items when you bought them. This information can support your hurricane insurance claim and may help you get a better settlement.
Get Estimates From a Local Contractor You Trust
The insurance adjuster will give your insurance company an estimate for repairs. But that estimate is typically lower than what it will actually cost. That’s why it’s a good idea to get a written estimate from a local contractor. They’ll give you an idea of what repairs will actually cost based on the local market and the price of materials. You can use their estimate to appeal the initial insurance settlement if needed.
Expect to Contest Your Settlement
Ultimately, insurance companies are in business to make money. It’s in their best interest to pay out as little as possible when customers file claims. Luckily, homeowners can appeal or contest the settlement they’re offered if it’s too low to cover their costs.
Be prepared to contest the settlement offer you receive. Keep written estimates from each contractor you speak to. Consider hiring an independent insurance adjuster to make sure all of the damage is fully accounted for. These steps can strengthen your appeal and increase the chances of getting a fair settlement.
Consider Seeking Legal Advice
If you’re worried about your claim, receive a settlement that’s too low, or have your claim denied without a valid reason, it’s a good idea to speak with a Florida hurricane insurance claims attorney. They can represent your interests with the insurance company and increase the chances of you getting a fair settlement. And if you need to appeal the decision or hold your insurance agent accountable for their actions, they can help you do so.
Remember, attorneys understand the ins and outs of the insurance industry and can help you better understand what’s going on at every step. You’ll have access to reliable legal advice that can make getting the money you need to repair your home easier and less stressful.
Schedule a Consultation Today
If your home was damaged by Hurricane Milton, don’t try to navigate the claims process on your own. Schedule a free consultation with Parrish Law. Contact us today to discuss your case and explore your options.