Common Challenges in Filing Hurricane Milton Damage Claims
If your property was damaged during Hurricane Milton, filing a hurricane insurance claim as soon as possible is always a good idea. The sooner you file, the more likely you are to get a fair settlement so you can repair your home. However, since the storm’s path was so broad and the damage so extensive, property owners are experiencing difficulty with their claims at a high rate. By understanding the common challenges people face when filing Hurricane Milton damage claims, you can better prepare your claim for success. Here are some of the common challenges your trusted Florida hurricane insurance claims attorneys have seen in recent months.
Documenting the Full Extent of the Damage
Since Milton made landfall as a category 3 storm, severe damage is the norm. But the more severe the damage is, the harder it is for homeowners to accurately document the full extent of the damage on their properties. While it might seem overwhelming, try to take pictures of every damaged item and component in your home. If you can’t take a picture of the full extent of the damage, write down a detailed description and point that damage out to the insurance adjuster during their walkthrough.
Delayed Claims Responses
With so many claims being filed at once, it’s normal for insurance companies to have trouble reviewing them in a timely manner. That doesn’t mean you have to accept their excuses or their delays. Instead, consider working with a Florida hurricane insurance claims attorney. They can follow up with the insurance company on your behalf and ensure that your claim is being processed in a timely manner.
Outright Claim Denials
Unfortunately, many homeowners are filing claims only to have them denied, often unfairly. This keeps you from getting the money you deserve. Though you can appeal most claim denials, appealing ones related to Hurricane Milton damage can be difficult. An attorney can represent your case and negotiate with the insurance provider on your behalf. Even better, they know how to put pressure on insurance companies to honor the terms of the policies they issue, helping you get a fair settlement.
Low Settlement Offers
Some homeowners who are successful in getting their claims approved are being offered small settlement amounts, well below the actual cost of repairs and far below their policy’s coverage limits. Like claims denials, you can appeal low settlement offers, but the process will take time. You’ll need to submit additional documentation showing the severity of the damage. This may include additional pictures, receipts documenting the cost of items when you purchased them, repair estimates from local contractors, and other similar information.
How to Move Your Claim Forward
These challenges won’t necessarily keep your claim from being successful, but they can make it more difficult to get the money you need to repair your home and your property. If you’re trying to move your claim forward as quickly as possible, make sure you submit detailed documentation showing the extent of the damage. Review your policy and make sure you understand the coverage terms and details. If you feel that your insurance company is pushing back or isn’t responding to your claim in a timely manner, speak with a Florida hurricane insurance claims attorney. They’ll be able to represent you and hold the insurance company accountable for their actions.
Let Parrish Law Help
If your insurance provider is giving you the runaround with your Hurricane Milton claim, don’t try to take them on alone. Let the experienced team at Parrish Law help. Our attorneys have years of experience helping property owners in Florida and Louisiana deal with unfair insurance companies. Contact us today to schedule a free consultation.