Can You Make a Tornado Insurance Claim in Florida?

By |2022-01-05T15:37:46-05:00January 5th, 2022|Categories: Insurance Claims|Tags: , , |

If your property or home has suffered damage from a tornado, we can help you make a tornado insurance claim. Doing so may help you rebuild your home and replace lost items or appliances.

Tornadoes in Florida

Although hurricanes make the headlines in Florida, tornadoes are extremely common, albeit far less severe.

While tornadoes plague the Midwest, Florida has more tornadoes per unit area, but they’re far weaker – at around EF0 or EF1 intensity.

Nevertheless, if a tornado works its way through your street, then it’s likely to cause significant property damage.

South West Florida has recently seen tornadoes cause homes torn apart, trees falling on cars, pool cages smashed and eye-watering property damage bills.

Fear not, twisters are just as valid as hurricanes so yes – you can make a Florida tornado insurance claim.

Here’s how:

How to Make a Florida Tornado Damage Claim:

Does Homeowners Insurance Cover Tornado Insurance Claims?

Natural disasters like hurricanes, storms, earthquakes and tornadoes cannot be stopped and tend to be covered by homeowners insurance.

However, it should be noted that flood damage (that is, water damage caused by storms and natural disasters) is not usually included in a typical homeowners insurance policy and must be purchased separately.

Click here to see our blog on Flood Damage vs Water Damage.

For example, if your home sustained roof damage from a tornado, your policy would likely cover the costs of repair, but it wouldn’t for the flooding that occurred as a result unless you have separate flood damage coverage.

Homeowners insurance will also likely reimburse any expenses if you cannot safely live in your home due to tornado damage.

Undervalued Claims

Sadly, having coverage doesn’t guarantee your insurance company will hand over a check easily, or with the figure you need on it.

Insurance companies are for-profit. They value their losses more than whether you get enough money.

People making tornado insurance claims in Florida are regularly undervalued. Which is a huge problem when trying to repair or rebuild your home and replace your belongings.

Speak to a Florida Tornado Damage Attorney

Fear not, we can help. As experienced Florida property damage attorneys, we regularly fight on behalf of homeowners to get the money they deserve.

Resolving Undervalued or Denied Claims

When you pay for your insurance, you expect to be protected in these scenarios. If you’ve been undervalued or denied in your claim, we can handle the communication on your behalf.

By presenting the evidence and not falling for their manipulation and tricks, we will bring you the results you deserve.

With first-hand experience of the insurance industry, our Florida property damage attorney team is respected by insurers which will also significantly help as they know we’re not going to be bullied.

Disagreements of Policy Coverage

In many cases, insurance companies try to trick homeowners into misunderstandings about their policy coverage.

For example, they’ll say they’ll fix a portion of your roof but not the entire roof.

In these scenarios, our Florida tornado insurance claim attorneys can help review your policy and handle all communications with the insurance company on your behalf.

Disagreements over Damage

Insurers may also claim the damage is less than you think. They might even say the damage already existed.

Our Florida tornado insurance claim attorneys will ensure the truth is respected and that the tornado damage is covered and not dismissed.

‘Bad Faith’ Insurers

If an insurance company unfairly denies, underpays, delays or tricks you it is called acting in ‘bad faith’.

In these scenarios, our Florida tornado insurance claim attorneys will protect your rights and if necessary file a lawsuit.

What If I’ve Already Made a Florida Tornado Insurance Claim?

If you’ve previously submitted a Florida tornado insurance claim then we can still help. Never accept a low ball offer, as we can step in and ensure all the damage is correctly documented and that the true valuation of your damage and repair cost is met.

How to Prepare for a Florida Tornado Damage Claim?

If your home or business has been damaged due to a tornado, then you should contact your insurance company as soon as possible to file the claim. However, it is always advised that you speak to a Florida property damage attorney first.

You may also have the urge to clean up your property immediately, but this may not be the best idea. An insurance company representative will assess the damage to determine how much they need to pay you, so don’t fix the evidence before that.

Ensure you take pictures of all damage before moving or salvaging anything. Keep notes, receipts, inventory and any evidence that could support your claim.

Florida Tornado Facts:

When is Florida’s Tornado Season?

Tornadoes in Florida form in different ways throughout the year. Most form in the spring or summer months as the strong sea breezes and tropical cyclones collide.

However, John Allen, an associate professor of meteorology at Central Michigan University, says:

“In North Florida, up towards Tallahassee, you can see high-end tornadoes with some regularity, but the further south you go, the less of a chance there is. You don’t have anything to worry about if you’re in Miami.

“You may not get the really high-end tornadoes, but Florida is susceptible to getting a large number of tornadoes up to EF2 intensity along with tropical system and that’s more than enough to kill someone or cause significant damage.”

How Many Tornadoes Are There in Florida Each Year?

  • Florida has an annual average of 66 tornadoes.
  • Florida has the third-highest number of annual tornadoes in the U.S.
  • An average of 1,253 tornadoes occur in the U.S. every year.

Source: National Oceanic and Atmospheric Administration

Where Can I See Tornado Warnings?

Florida Property Damage Attorneys Specializing in Tornado Damage

Free Consultations!

If your property has suffered damage from a tornado or storm, contact us today to assist with your Florida tornado insurance claim.

Attorney Jonathon Douglas leads the property damage claim team nationally ranked by US News and World Reports as a Tier 1 Law Firm, Battaglia Ross Dicus & McQuaid, P.A.

Having previously represented some of the largest insurance companies in the State of Florida, Mr. Douglas uses his inside knowledge and experience to help you navigate property damage insurance claims.

Regardless of your situation, you can receive a free consultation today.