News related to "Wind Damage"

brought to you by St Petersburg Personal Injury Attorneys McQuaid & Douglas

1 11, 2022

What to Do if Your Hurricane Ian Claim Is Undervalued or Denied

By |2022-11-01T15:47:58-04:00November 1st, 2022|Categories: Hurricane Damage Law|Tags: , , , , , , |

Florida is seeing a vast number of undervalued or denied Hurricane Ian insurance claims. That’s because Hurricane Ian has caused billions of dollars worth of property damage, and that means insurance companies need to pay up!

Sadly, it’s people like you who they’re playing hard with. You’re one of the thousands of people who have had an undervalued or denied Hurricane Ian claim. Sadly, they don’t care about you. They’re not calling up victims and offering money. They’re hiding and playing hardball.

Here’s what to do:

How to Fight Back Your Undervalued or Denied Hurricane Ian Insurance Claim

90% of people won’t contest their undervalued or denied Hurricane Ian claim. But you can and should fight back! You’re their customer and it’s your home that’s suffered.

Don’t fall into the trap that there’s no room to negotiate or that you’ll lose the lowball offer they’ve sent you. You always have the right to negotiate, argue and fight back.

Call a Property Damage Lawyer

Property damage lawyers eat insurance companies for breakfast. When the advisor you’re talking to realizes there’s an attorney involved, they sit up and take notice.

We’ve worked on the opposite side of the table, so know what tricks they use. Now, it’s our job to help people like you.

We’ve got the experience and legal expertise to sift through complicated insurance policy documents and say “You’re wrong” to the insurers.

We do more than that too. From hiring independent adjusters to collecting evidence and ensuring your accommodation is paid for, we’ll fight to ensure you get the maximum possible settlement.

Prove Where The Water Came From

Is your house flooded? Insurance companies are going to ask you where that water came from. And then, they’ll probably say your “flood damage coverage does cover that”.

Fight back! Competing insurance coverage can help you out. For example, what about your wind coverage? That water may have come from the wind damage.

So you need to prove it by showing damage above the water line, such as in your soffits, windows and roof.

Wind. Driven. Rain. These three words can be used to tell your insurer that the damage wasn’t your fault, it was the relentless hurricane that blew a hole in your roof and then let the driving rain in.

Prove the Roof Damage

They’ll also probably say that the roof is damaged because it’s old. Which also means that you’ll lose value due to depreciation.

Most of the time, this is nonsense. It’s not because your roof is old. It’s because Hurricane Ian tore it apart. So how can you prove it?

Independent Adjusters

To prove the true value of your property damage after an undervalued or denied Hurricane Ian claim, you should work with an independent adjuster.

As property damage lawyers at a long-standing and highly-rated Florida law firm, we have the resources to provide you with an independent second valuation after a poor job from an insurer.

Insurance adjusters working for the insurance company know what they’re doing. They’re not really there to help you, no matter how nice they seem. They’re there to reject your property damage claim and make the insurance company happy.

This is also not the time to trust the people walking around the block handing out flyers. Call a professional who knows what they’re doing. We welcome you to receive a free consultation today.

Do Not Sign a Release

Red flag! Your insurance company may ask you to sign a release. Please as a property damage attorney to review the proposed release first.

Although the release may seem to cover the current damage, it doesn’t mean the damage is over. Hurricane damage tends to worsen over time, due to weakened foundations, structural damage and mold.

Keep Evidence of the Damage

Ensure you’ve still got photos saved of the Hurricane Ian property damage. Don’t accidentally delete them from your phone’s photos, only for them to be permanently deleted from your phone’s trash a few days later.

These photos and records are crucial to proving the true value of what you’ve lost and building a link from the hurricane to the damage.

You should also continue to record evidence. For example, if that hole in the roof still hasn’t been fixed by your insurance company and it’s starting to cause rain to come through – then take videos and photos to prove it.

  • Keep receipts.
  • Keep photos and videos.
  • List what you’ve lost.

Read Related: Type of Damage to Look for After Hurricane Ian

Keep a Record of All Conversations

Every call, email and letter you have with your insurance company should be noted or stored. Ask for the name of your insurance representative and make note of the time and date of the communication.

If they make any promises or offers, write this down. Don’t let them twist their words.

Be Wary of Manipulation and Bullying

Insurance representatives have a nasty talent for manipulating homeowners into admitting fault, accepting lowball offers and being pressured into simply giving up.

Don’t give in. We know how unpleasant that can feel. You may feel like you’re to blame. But you’re not. Or at worst, let’s see them prove it.

Our property damage lawyers can communicate with your insurance carrier on your behalf, so you can relax and focus on recovering from the natural disaster with your family.

The following are key warning signs that your Hurricane Ian claim denial or valuation was unfair:

  • Delaying tactics
  • Manipulation and/or bullying
  • Incorrect policy coverage claims
  • Slow responses or no responses
  • You’re blamed for the damage
  • You’re told you don’t have the right to speak to a lawyer.

Hurricane Ian Property Damage Stats:

Contact a Hurricane Ian Insurance Claim Lawyer Today

Free Consultations!

If you’ve had an undervalued or denied Hurricane Ian insurance claim, our Florida property damage attorneys can help.

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 navigate hurricane insurance disputes.

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

12 10, 2022

10 Signs That You Need a Hurricane Ian Claims Lawyer

By |2022-10-12T13:51:28-04:00October 12th, 2022|Categories: Hurricane Damage Law|Tags: , , , , , |

Due to its devastating impact and destruction, millions of people are currently making Hurricane Ian claims in Florida.

The answer lies in the circumstances of your claim, but here’s our underlying message:

Insurance companies are for-profit companies that will do everything possible to minimize their outgoing costs. Florida is facing losses of up to $47 billion, so they may try to manipulate, deny and undervalue their customers.

Here are the ten key signs that it’s time to hire a Hurricane Ian claims lawyer:

When It’s Time to Hire a Hurricane Ian Claims Attorney

1. Distinguishing between Flood Losses and Homeowners Insurance Losses

Your homeowner’s insurance and flood insurance may be disputing the type of damage to either undervalue your claim or deny it entirely. This happens when there is both a flood loss and a homeowners insurance loss. Homeowners insurance carriers will look to place any and all blame on the flood loss attempting to reduce the amount to be paid by the Homeowners insurance carrier.

Our Hurricane Ian claims lawyers will work with you to prove what caused the water damage, wind damage, and flood damage to ensure you get the full benefit of the available insurance coverages.

Read Related: What’s the Difference Between Water Damage & Flood Damage?

2. If Your Claim Has Been Denied

Call a Hurricane Ian claims lawyer fast if your insurance claim has been denied.

There are very few reasons why your claim should be denied entirely, yet insurance companies try it in the hope that their customers will accept it and move on.

In some cases, denials are unjust and can even be in bad faith. Our hurricane Ian claims attorneys can reopen your case and prove that you are entitled to compensation to repair or rebuild your home.

3. If You’re Asked to Sign a Release

If your insurance company asks you to sign a release soon after the storm (or if you still have unresolved damage), then alarm bells should be ringing. Call an attorney so they can review the proposed release.

Just because the storm has passed doesn’t mean the damage has. Hurricane damage can worsen over time, due to weakened foundations, structural damage and more.

A release may be a trick to lure you into limiting how much the insurer owes you.

4. Your Claim Has Been Undervalued

Call a Hurricane Ian claims lawyer fast if your insurance company fails to provide coverage for the entire loss.

It’s not uncommon for insurance companies to cut corners on their estimates to minimize their outgoing cost. But in reality, you will be left to pay out-of-pocket for the remaining repairs and replacements.

An attorney can reveal the true value and scope of the loss by using contractors, engineers and other professionals that specialize in dealing with insurance claims.

Read Related: 10 Signs That Your Insurer Undervalued Your Property Damage Claim

5. Negotiations Are At a Stand-Still

The mere presence of an attorney can help get negotiations moving in the right direction, as the insurance company knows there’s no point messing you around anymore.

6. You’ve Been Told You Don’t Have Coverage or About ‘Loop-Holes’

It’s very easy for an insurance company to overcomplicate things. They know that many customers will accept the idea of mysterious ‘loopholes’ and policy fine print. Don’t fall for this.

If you contact our Hurricane Ian claims lawyers, we’ll review your policy and take action if the insurance company’s claims are baseless.

Common Examples:

  • The adjuster says you’re only entitled to the ‘Actual Cash Value’, but really you should be reimbursed for Replacement Cost.
  • Adjusters say detached buildings are not covered when your policy says they are.

7. You’ve Been Delayed or ‘Ghosted’

Contact a Hurricane Ian lawyer if your insurance carrier may be acting in bad faith.

If your insurance company is not responding or has failed to meet the deadlines, then they must pay your claims. They may also be required to pay penalties and attorney fees if they are found to have acted in bad faith..

8. You’re Advised Not to Use an Attorney

Red flag! You always have the right to use an attorney in a property damage claim. If you’re told otherwise, it means the insurer is trying to hide or get away with something. They cannot and will not penalize you for using an attorney. If that happens to you, think of doing the opposite, fast!

9. You’ve Been Pushed to Admit Fault

Insurance companies may try to trick homeowners into admitting fault to avoid paying out.

You might be asked to admit that you left a door or window open, or that you didn’t realize the damage existed long in advance. Most likely, this isn’t true.

We know navigating the claims process is challenging, but don’t give in. Contact a Hurricane Ian claims attorney so they can handle the claim on your behalf.

10. You’re Bullied or Manipulated

Finally, if your insurer is pressuring you, emotionally bullying you or using any other tricks, then call a property damage lawyer as soon as possible.

Don’t feel like you’re overreacting. We understand what you’re going through. This is your home on the line, and you deserve the maximum possible settlement.

Signs That You Don’t Need a Property Damage Lawyer Yet

Alternatively, there may be signs that you don’t need to pick up the phone just yet.

  • They’re sending new adjusters or specialists to review your property.
  • They’re replying swiftly and treating you with respect.
  • They explain everything clearly.
  • They’re not pressuring you.
  • They’re not undervaluing or denying your claim.
  • You understand and feel confident in the claims process.

Contact a Hurricane Ian Insurance Claim Lawyer Today

Free Consultations!

If you need to make or dispute a Hurricane Ian insurance claim, our Florida property damage attorneys can help.

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 navigate hurricane insurance disputes.

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

1 09, 2022

Battaglia, Ross, Dicus & McQuaid, P.a. Is Tampa Bay’s Best of the Best 4-Time Winner

By |2022-09-01T19:07:52-04:00September 1st, 2022|Categories: Fire Damage Law, Hurricane Damage Law, Insurance Claims, Tree Damage Law, Uncategorized, Water Damage Law|Tags: , , , , , , , |

Battaglia, Ross, Dicus & McQuaid, P.A. has won Tampa Bay Times’ 2022 Best of the Best: People’s Choice Award. The firm has been recognized as the Best Law Firm and the Best Title Company.

This is the fourth year in a row that the firm has won as Tampa Bay’s Best of the Best.

The firm would like to thank the community members for their support. It is only due to the loyalty of their clients and staff that these awards are possible.

About Battaglia, Ross, Dicus & McQuaid, P.A.

Battaglia, Ross, Dicus & McQuaid, P.A. is the oldest law firm in St. Petersburg. Established in 1958 by founding partner Anthony S. Battaglia, it has served clients for over 60 years. Many outstanding lawyers and judges call themselves alumni of the firm.

The firm’s lawyers are known for their exceptional work ethic and skills that produce successful outcomes. Their areas of practice include:

The firm has earned its outstanding reputation by putting their clients first. They have extensive trial experience and an impressive success record for many high-profile cases involving complex legal issues.

A Legacy of Excellence

For decades, U.S. News & World Reports has recognized Battaglia, Ross, Dicus & McQuaid, P.A. as one of the best law firms in America. They rank as a Tier 1 law firm in their category of Metropolitain law firms.

The firm has collectively won over 425 awards and accolades. The lawyers at the firm have earned some of the most esteemed awards available to lawyers, like:

  • Florida Trend Legal Elite
  • Florida Super Lawyers 2022
  • The Best Lawyers in America
  • Best of the Bay by Creative Loafing
  • Lawyers of Distinction

The People’s Choice Law Firm

Community members choose the People’s Choice Best of the Best Award. With over 135,000 votes, the award recognizes the top businesses and organizations in the area. Battaglia, Ross, Dicus & McQuaid, P.A. is honored to be selected by the community for this award.

For more information about the firm, visit www.stpetelawgroup.com. Or, if you have any legal questions, call (727) 381-2300.

26 07, 2022

Florida, the Lightning Capital of the United States

By |2022-07-26T12:24:44-04:00July 26th, 2022|Categories: Hurricane Damage Law, Uncategorized|Tags: , , , , |

As a peninsula surrounded by water, Florida sees weather disturbances every year. Florida’s heat, humidity, and winds create the perfect conditions for thunderstorms.

If you live in Florida, you’re probably well acquainted with the turbulent weather patterns. You’ve probably also witnessed a good amount of lightning. But, hopefully, you’ve never had or will need to deal with lightning damage. However, if you live in Florida, that likelihood is higher than in other states. If your home has been subjected to lightning-related damages, contact a Florida property damage attorney today who can help you recover the compensation you deserve.

Florida, the Lightning Capital of the United States

Florida is no stranger to turbulent weather patterns as a state that regularly experiences hurricanes and tropical storms.

Lightning is an incredibly frightening force of nature that Florida is all too familiar with. It can cause fires and power surges, leading to extensive property damage.

Florida sees so much lightning annually that the National Weather Service has given it the distinction of “lightning capital of the US.” In the past month alone, there have been numerous lightning-produced house fires, one in Tampa and another one in Valrico, to name a few.

The area between Orlando and Tampa is a high-risk zone with the highest lightning strike rate in Central Florida. If you live in this area, you are probably familiar with regular thunderstorms throughout the year.

The high frequency of lightning in Central Florida can be attributed to its geographic location and highland climate, compared to lower temperatures on both sides of the peninsula.

As the lightning capital, Florida is the leading state for lightning-related property damage claims. While lightning damage may seem like a freak accident with a low probability, you’d be surprised how common they are in Florida. In fact, lightning strikes cause about $400 million in damage annually in the US.

Lightning Damage Statistics in Florida and the US

According to the Insurance Information Institute (III), Florida is the top state in the nation for lightning insurance losses. Here are some additional statistics:

  • In 2021, there were 5,339 lightning damage claims in Florida
  • The total value of claims in 2021 amounted to $88.3 million
  • The average cost per claim in 2021 was $16,552

Some national statistics on lightning-related damage claims in the US:

  • While 2020 was the fourth consecutive year with a decrease in the number of lightning damage claims in the country, the average cost of claims more than doubled since 2017
  • Lightning-related claims dropped 6.9% from 2019 to 2020, but the value of the claims increased by 124.6% ($920.1 million in 2019 to $2.1 billion in 2020)
  • While Florida takes the lead with the highest count of annual claims, California usually has the highest average cost per claim due to the severity of destruction from lightning-produced fires.
  • The average cost per claim in 2021 for California was about $154,574.

What Types of Damage Can Lightning Cause?

There is an average of $451 million in direct property damage caused yearly by lightning. The damage that results from lightning can be much more damaging than homeowners realize.

When lightning strikes, it can cause electrical surges that result in deadly fires and severe damage. It can damage appliances, electronics, computers, phone systems, electrical fixtures, air conditioning systems, and the entire electrical foundation of a home.

If lighting hits the inner parts of the walls in a house, it can cause a surge in the electrical circuits, which would cause a house fire. In addition, lightning can potentially ruin your home’s plumbing system. If lightning hits any of your plumbing, it can cause leaks and water damage.

Even lightning that does not directly strike your home but hits the ground can cause issues for your home. The shock waves created by lightning can ruin the foundation of your house.

Steps To Take After Your House Gets Damaged By Lightning

If you want to file a property insurance claim after your house gets struck by lightning, you’ll need to follow a few crucial steps.

First, take pictures and note all damages to your property. Next, contact your insurance company and make a claim. Create a thorough list of all damaged items and property. Then, call your local fire department as soon as possible, and note the date and time you called them. The next step is to contact a professional electrician or plumber to inspect your house and document the damage caused by lightning.

Sometimes insurance companies deny claims because homeowners do not provide sufficient evidence to prove that lightning caused the damage. That’s why it’s vital to take pictures of all damage from lightning, like holes or asphalt.

Lastly, the most critical step will be to get a Florida property damage attorney who can guide you through the claims process and help protect your legal rights as a homeowner.

How Long Do I Have To Make a Lightning Damage Claim?

Florida’s statutes allow homeowners to file a damage lawsuit five years after the lightning strikes. However, bear in mind that insurance companies require policyholders to file a claim much sooner, usually within 60 days of the incident.

Once you submit an insurance claim, the insurance company will investigate your claim and respond. In addition, they will probably offer you a settlement to compensate you for repairs and other damages you may have incurred.

Florida Property Damage Claim Attorneys

Sadly, Florida homes suffer the consequences of natural disasters like hurricanes and lightning every year. When that happens, you need an experienced property damage attorney who will fight on your behalf to get you the compensation you deserve. Furthermore, having strong litigators who can negotiate with insurance companies on your behalf means you can focus on repairing your home.

Contact an experienced Florida property damage attorney today for a free consultation, or call (727) 381-2300.

17 05, 2022

How Do I Get the Most Out of My Homeowner’s Insurance Claim?

By |2022-05-17T12:46:48-04:00May 17th, 2022|Categories: Insurance Claims|Tags: , , , , , , , |

Did you know that insurance companies will do everything in their power to minimize your homeowner’s insurance claim? Undervalued claims will leave you out of pocket if you need to make further repairs. As their customer, you deserve to receive the maximum possible payment.

Whether your home has been damaged by a hurricane, a flood, fire or any other disaster, you must act appropriately. Sadly, you can’t just leave it to your insurer. They’ll take advantage of your backseat approach and undervalue your claim.

As property damage attorneys, we’ve seen it all. Here are our top tips for optimizing your homeowner’s insurance claim:

Tips for Optimizing Your Homeowner’s Insurance Claim

Contact a Property Damage Attorney

All of the steps below are advised, but you can make your homeowner’s claim process much easier and stronger by working with a property damage attorney.

A property damage attorney tackles insurance companies and their tricks every day. They don’t fall for manipulation and know how to negotiate the best settlement offer.

They’ll also remove the stress you’re likely facing by handling all communications, from paperwork to phone calls.

If you run into any disputes with your insurer, they’ll also take the appropriate action. Some common disputes homeowners face with their own insurance companies are:

  • Undervalued Claims
  • Denied Claims
  • Delaying tactics
  • Manipulation or bullying tactics
  • Incorrect policy coverage
  • No or slow responses
  • You’re blamed for the damage
  • They claim the damage already existed.

Retain Evidence

In every homeowners insurance claim, evidence is key. Take pictures. When you’re done, take more.

Take all these photos before you clean the property or make temporary repairs.

There’s no such thing as too much detail here. From cracks in the floor to bowing ceilings and smoke stains, don’t leave anything undocumented.

You should also record detailed notes about everything you remember happening – such as when the disaster started, how long it lasted and what you heard or saw.

If possible, take notes from neighbors, witnesses and fire teams.

Finally, keep all receipts. If it’s safe to do so, that includes the receipts for your appliances. But it also includes repair bills and temporary accommodation expenses.

Remember, that before you make repairs related to mitigation or tear out, many homeowners policies require that they conduct an inspection. If you begin tear out or mitigation work and do not allow the insurance company to inspect before the work begins or tear out of the damaged items occurs, you may be subject to reduced coverage limits. One more reason to consult with a homeowners insurance attorney for your property damage claim.

Identify your Damages

You should first list everything that the incident has damaged and that needs replacing or repairing (such as appliances, furniture and electronics). As it relates to personal property, or “contents”, your list should note the date you purchased the item and the purchase price. Try to note model numbers.

Most homeowners insurance claims however fall under Coverage A, or damage to the actual home or commercial property. Be sure to document damages to your home or commercial property. For example, buckling floors after a water leak, or damaged drywall from water instruction after a windstorm. Being able to accurately show the damage will be critical in building a strong homeowners insurance claim.

Properly File Your Claim

Once you’ve completed the steps above, it’s time to file. Don’t delay. You should file your claim immediately to avoid the insurance company claiming that the delay somehow prevents coverage.

Before making a claim, read your policy to understand your coverage in detail.

Insurance adjusters regularly take advantage of homeowners who don’t know what they’re entitled to. But if you know what the policy covers, you reduce that risk.

It’s also essential that you know all the deadlines and contractual obligations. If you don’t, you could risk causing a delay in the process.

During the call, never accept a low-ball offer. This is not the time to accept an offer, as you haven’t even had the property professional assessed. It’s ok to negotiate a settlement later.

Make Temporary Repairs

Some damage shouldn’t be ignored. For example, a hole in the roof needs immediate work to avoid the rest of the house being damaged by rain and wind.

If you don’t take these immediate steps to make temporary repairs, the insurer may claim you failed to mitigate the damage – which could see your coverage reduced or denied entirely.

For example, if a broken window isn’t boarded up, you may lose your burglary coverage.

Keep all the receipts of professional repairs or materials you purchased to fix the damage. You will be able to include this in your homeowner’s insurance claim later.

Document All Communications

Ask for the insurance agent’s name and title.

If there are any problems or disputes later in the homeowner’s claim process, then this information could be very helpful. You’ll be able to refer back to the agent who previously spoke to you.

You should keep every email, letter or document you are sent. You should also take notes during your phone calls.

Get Independent Estimates

In some cases, it can feel like the insurance company has given an incorrect estimate. They use their own adjusters, so it’s sadly not rare to hear these stories.

In these cases, it can be wise to get an independent evaluation of your property. If you’re working with a homeowner’s insurance claim attorney, they will likely have the resources to help you gain an independent estimate.

You can then use quotes and estimates to negotiate with your insurance company, arguing that their settlement offer is insufficient for the required repairs.

Review Your Policy Again

Adjusters make mistakes. Sometimes these are intentional; sometimes they’re just errors.

If a claim is rejected because the insurer says you don’t have coverage, then dig out your homeowner’s insurance policy and read the fine print.

If you believe the decision doesn’t fit the policy, don’t give up. It’s time to contact a property damage attorney and solve this mess.

Contact a Florida Homeowners Insurance Claim Attorney Today

Free Consultations!

If you need to make a property damage claim or have been unfairly denied, undervalued or tricked by your insurance carrier, then contact us today.

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 insurance disputes.

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

14 11, 2021

What Is Covered In Hurricane Damage Claims?

By |2021-11-14T13:54:31-05:00November 14th, 2021|Categories: Hurricane Damage Law|Tags: , , , , , , , , , |

If your home has been damaged in a hurricane, you might be wondering what is covered in hurricane damage claims?

Florida has already seen four major hurricanes, two hurricanes and various tropical and subtropical storms in 2021 – leaving many homeowners desperate for insurance payments that can help them rebuild their homes.

It should be noted that your hurricane insurance policy may be very different to your neighbors, making it difficult to give a generic amount of compensation you might expect from a hurricane damage claim.

However, most hurricane damage policies are consistent and will cover the following areas of damage:

Types of Damage Covered in Hurricane Damage Claims

Hurricane Damage Is Not Covered in Basic Homeowner’s Policies

First up, it’s important to know that for most Florida residents, hurricane damage will not be covered by basic homeowner’s policies.

You will need to purchase a separate hurricane insurance policy to make hurricane damage claims. Homeowners’ insurance usually only covers water damage from normal rain showers.

Flood Damages Are Not Covered by Hurricane Policies

Many people make the mistake of assuming their hurricane policy will protect them against flooding. Sadly, that is not the case.

A separate flood insurance policy is required to cover any flood damage, even if a category 3 hurricane causes it. In recent years, many homes have been effectively destroyed due to floods, yet the owners were left helpless as they didn’t buy a separate flood insurance policy.

Note that in most cases, adding flood insurance has a 30-day waiting period. It’s always wise to add it right away and be proactive rather than reactive.

Wind Damage to Your Home

Wind damage is usually covered in hurricane damage claims. Hurricane winds can vary from between 74-157 mph, causing violent damage to homes in a matter of minutes.

Roofs, windows and structures are often hit hard, but there have even been cases where homes are ripped off their foundations entirely.

Emergency Repairs to Prevent Further Damage

If wind damage does cause serious damage, then emergency repairs may be required to prevent it from becoming worse. For example, if there is a large hole in the roof or broken windows, then repairs may prevent flooding and further wind damage.

Debris Removal

Hurricanes can cause tiles to fall into the home, tree branches to smash through windows and countless other types of debris to be picked up and land on your property.

Hurricane damage claims can allow you to get professional debris removal when the debris has been caused by hurricane winds.

Replacement of the Damaged Property

If your home has been significantly damaged, your hurricane damage claim may cover you for the actual cash value or replacement value of the damaged property. However, there are an incredible amount of variations in Florida hurricane insurance policies, so speaking to a hurricane damage attorney first is often advised.

Roof Damage

If your home’s roof has been ripped off or hit by a falling tree or hurricane debris, it will likely be applicable in a hurricane damage claim.

Broken Windows

Similarly, windows are frequently smashed in hurricanes as they either get hit by debris or crack due to the movement of the building. Multiple broken windows quickly stack up in repair costs and should be coerced by your hurricane damage insurance.

Smashed Cars

Vehicles damaged by hurricanes may be covered in hurricane damage claims, but this will depend on your policy. If not, cars are usually covered by the comprehensive section of an auto insurance policy m

Interior Damage

Your belongings, electronics, furniture and your home’s interior structure, may have all been damaged due to strong winds. For example, if a locked door is violently pushed open due to the winds, it can cause havoc throughout the home.

Interior damage is usually included in hurricane damage claims.

Cracked Building Foundations

The foundations of a property are essential to safe living. If the foundations are cracked or moved, it may make the building uninhabitable. It should be covered in a hurricane damage claim.

Uprooted Trees and Torn Apart Gardens

Your yard and its trees are just as much a part of your property as your house. If trees are pulled from the ground into windows, roofs or cars, then you can make a hurricane damage claim.

Outside furniture should generally be tied down or safely stored inside, but decks and balconies that are damaged can be claimed for.

Swimming Pools

Similarly, swimming pools contain expensive equipment and designs. If your filtration system, pump or pool’s foundations are damaged due to hurricane winds, then you may be able to make a hurricane damage claim.

Temporary Relocation

Your home may be unsafe to stay in immediately after the hurricane until repairs are made. In this case, your hurricane insurer should cover your expenses for relocation, such as hotel or travel to a friend or family member.

What to Do If Your Home Has Been Damaged in a Florida Hurricane?

If your home has suffered hurricane property damage in Florida, then you should contact an insurance company as soon as possible.

However, without a concrete understanding of your homeowners’ policy, you may be exploited or receive an undervalued claim.

By contacting our property damage attorney, we can review your case and communicate with the insurance company on your behalf. This will protect you from being undervalued, denied or delayed in your much-needed repairs.

Our top tips for hurricane damage claims in Florida include:

  • Speak to a Florida property damage attorney.
  • Investigate the damage, listing all damage from appliances to windows.
  • Take photos of your damage to create proof that it was caused by the hurricane.
  • Contact your insurance company and inform them of the damage.
  • Keep all receipts of damaged items and repair bills.
  • Keep records of which insurance adjuster you’re talking to.
  • Review all documents carefully to avoid being undervalued.

Florida Property Damage Attorneys Specializing in Hurricane Claims

Free Consultations!

If your home or property has suffered from hurricane damage in Florida, then contact us today.

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 hurricane insurance claims.

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

2 09, 2021

Common Types of Property Damage Claims

By |2021-09-02T09:56:02-04:00September 2nd, 2021|Categories: Fire Damage Law, Hurricane Damage Law, Insurance Claims, Tree Damage Law|Tags: , , , , , , , , , |

There are various types of property damage claims in Florida that can help you rebuild and repair following the devastating effects of natural disasters and accidents.

Property damage occurs more often than people think, so it’s important that you have the necessary homeowners insurance. Note that in some cases, you may need to buy an add-on to your homeowner’s policy.

Here are the most common types of property damage claims in Florida and how a property damage attorney can help:

Wind and Hail Damage

The most common type of property damage claim is for those caused by wind (34%). On average, a wind damage claim accounts for $11,200 worth of damage.

These claims cover damage caused by hurricanes, hail storms, tornadoes and other strong storms. Storms bring strong winds that can rip the roof apart or throw debris at your walls, leading to expensive repairs. Common wind damages include:

  • Broken Outdoor Furniture
  • Broken Windows
  • Damaged Air Conditioning Units
  • Damaged Roofs
  • Damaged walls from flying debris
  • Damaged solar panels
  • Fallen or uprooted trees
  • Missing or broken shutters
  • Severely damaged exterior paintwork, stucco or cladding
  • Structural Damage
  • Water intrusion

Water Damage

Water damage causes damage fast. Long-lasting damage too. Whether it’s a broken pipe, plumbing failure, hurricane or flood, these are expensive repair jobs. It’s important to remember that while the extent of the water damage may be obvious, it’s best to get a proper appraisal with the help of a property damage attorney – to ensure you and your insurance company don’t miss anything.

In 2018, 23.8% of property damage claims were for water damage. Common examples include:

  • Damaged appliances
  • Damaged furniture
  • Discoloration on walls, ceilings and floors
  • Mildew
  • Structural damage
  • Termite and bug infestation
  • Weakened foundations

Fire Damage

32.7% of property damage claims come from fires. Fires are brutal. Whether they’re started in the kitchen or lightning strikes, they spread fast and burn pretty much anything in sight. They also spread smoke and chemicals throughout the property. It’s vital that your insurance policy covers fire damage, as they can strike anyone at any time.

Be warned that insurance companies find ways to blame homeowners for fires, from accusations of arson to violating your policy. That’s why you should always contact a property damage attorney to get a fair payment.

On average, this type of property damage claim accounts for $79,785 worth of damage. Examples include:

  • Appliances and electrical items damaged
  • Damaged electrical systems
  • Damaged plumbing systems
  • Destroyed furniture
  • Discoloration of walls and belongings
  • Foundation damage
  • Odor from smoke
  • Roof damage
  • Structural damage

Sinkhole Damage

If you live in Florida, then sinkholes should be included in your homeowner’s insurance policy. There are more reported sinkholes in Florida than in any other U.S. state.

Sinkholes are often hard to detect but can pull your home to the ground. If you see even a small sinkhole, it could signal a bigger problem further below.

In Florida, homeowners are required by law to offer coverage for catastrophic ground cover collapse, but comprehensive sinkhole coverage is optional.

Insurance companies are notorious for working their way out of paying for sinkhole damage, which is why you should contact a property damage attorney to fight for you.

Hurricane Damage

When Florida’s hurricane season hits, property damage claims go through the roof. They become one of the most common types of property damage claims.

Hurricanes are particularly devastating, with even the most robust buildings often suffering some form of external damage.

It’s important to note that Florida’s homeowner insurance covers hurricane damage caused by wind, but flooding is not. That’s why it’s often advised to take out an additional flood damage policy to cover all bases.

Theft Damage

Burglary and theft incidents are frightening but also costly. From stolen items to smashed windows or possessions, you deserve to be compensated for this damage. 1 in 400 insured homes makes a property theft claim every year.

Although these damages are protected under home insurance policies, insurers are often reluctant to pay out the necessary fee. They may blame you for lack of security or undervalue your items. Thankfully, property damage attorneys are experienced and comfortable with taking on these big insurers and proving that you deserve the full payout.

The FBI found that 74% of burglaries occur in residential neighborhoods.

Tree Damage

Florida property owners are well aware of the damages caused by trees in storms and hurricanes. Strong winds can rip trees from the ground, causing them to smash into windows and walls while devastating the yard.

But did you know tree damage can occur naturally too? From encroaching roots to falling tree branches, it happens every day.

Tree damage claims may seem simple, but they’re often complicated. Roots and branches can cross property lines causing confusion and claim denials from insurers.

If your property has incurred tree damage, you should contact a property damage attorney to help make a case that brings you the damage cover you deserve.

What to Do If Your Property Has Been Damaged?

If your property has suffered damage, you can make one of these types of property damage claims to receive financial cover for the losses, repairs and rebuilding.

Sadly, insurance companies do not just hand out money without making it difficult. They have a variety of tricks up their sleeves. They often try to blame you, undervalue your losses, deny claims, use delaying tactics and more – all to pressure you into accepting a low ball offer.

But you deserve better. That’s where we come in. As property damage attorneys, we help fight insurance companies to get you the money you’re owed. We’ll prove the costs of your damages and won’t give in to the tricks and pressures of insurers.

Property Damage Attorney in St Petersburg, Florida

Free Consultation Today

If your property has suffered damage or you’re facing a problematic insurance company, then contact us today.

Attorney Jonathon Douglas leads the property damage claim team nationally ranked by U.S. 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 tackle the insurance companies.

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

7 08, 2021

Tips for Filing Insurance Claims for Hurricane Property Damage in Florida

By |2021-08-07T08:16:55-04:00August 7th, 2021|Categories: Hurricane Damage Law, Insurance Claims|Tags: , , , , , , |

Nearly every year we see significant hurricane property damage in Florida as hurricane season tears trees from the ground, causes significant flooding and worse. For example, when Hurricane Harvey hit, it caused around $125 billion in damages in Florida.

If your home or business has suffered in a recent storm, then a hurricane insurance claim can help you make repairs and recover your financial losses.

While it may seem a simple process, people make many mistakes when filing property damage claims for hurricanes, so it’s best to follow these tips:

Types of Hurricane Property Damage Claims

The following insurance policies are often used to cover damage caused by hurricanes:

Windstorm Insurance

Florida insurance companies offer this policy as an additional deductible. The cost varies depending on where you live. It is often used for damaged roofs and exteriors damaged by strong winds or debris from hurricanes.

Flood Insurance

Homeowner’s insurance does not cover storm surges or flooding. Instead, flood damage from hurricanes is covered in flood insurance which is purchased as an additional deductible. Flooding in Florida is common during hurricane season. Just one inch of water can cause thousands of dollars worth of damage.

How to File a Hurricane Property Damage Claim in Florida

If you’ve suffered hurricane property damage in Florida, then you need to notify your insurance company as soon as possible.

If you have a concrete understanding of your homeowner’s insurance policy, then you can do this as soon as possible.

If not, then it’s best to review the details of your policy. This can save you from missing any details that see you miss out on a fair settlement. If you have any doubts, contact a property damage attorney.

How Long Do I Have to File a Hurricane Insurance Claim

You often have a shorter window of time for claims for hurricane property damage in Florida than other insurance claims, such as car accidents.

Florida’s property damage statute of limitation is four years from the date of the damage. If you don’t make your hurricane insurance claim before then, then it’s likely you will be denied.

Once you’ve made your hurricane insurance claim, your insurer will have two weeks to acknowledge it. Then, they’ll investigate your property damage.

Investigate The Damage

Step one is making your own in-depth investigation of the property. Insurers will later carry out their own investigation, but that’s often to see if your claims are legitimate rather than checking for anything you’ve missed.

List all your damages. This includes broken windows, damaged walls, roofs, flooded floors, damaged valuables, computers, furniture, appliances and more. If something’s been damaged, make a note of it on a list. You’ll use this later when filing your claim.

Take Pictures of the Property Damage

Before making any claim for hurricane property damage in Florida, you must take photos of the damage.

Evidence of the damage will significantly support the legitimacy of your claim. Take photos of everything on your list and every room of your home. Store them in a folder in your email or cloud, so you can access them at any time.

Check With Your Insurer Before Discarding Damaged Items

Don’t discard any damaged items or materials until your insurance adjuster has seen them. The last thing you want is for your insurer to claim there’s no evidence of the damaged items. However, if your local municipality asks you to discard the items for safety reasons, then taking photos is a good backup.

Keep All Your Receipts

From repair receipts to the original receipts of appliances, computers and more – keep them. They’re evidence of how much you paid and how much you deserve to be compensated by your insurer. Store them in an organized place so they’re ready to show if your insurer asks.

Keep Records of Who You Talk To

Document anyone you speak to at the insurance company. Note their name, what was discussed and the date the call happened on. This can help with any problems of insurers going back on their word or providing misguidance.

Review All Documents Carefully

It may seem obvious, but many people just skim-read documents. For example, a ‘proof of loss’ document will be given to you to sign by your insurance adjuster. This will detail the pricing of your repairs. You must read this carefully to check that every repair has been included.

If reviewing documents is daunting, then contact a Florida property damage attorney for their legal expertise to ensure you make no mistakes.

What to Expect from Your Hurricane Insurance Company?

You have the right to repair and replace the damages on your property and receive compensation to cover those costs. Your insurance company must also:

  • Provide notice within 14 days that they’ve received your claim.
  • Provide notice that your claim is being paid or denied or investigated within 30 days.
  • Provide notice that they’ve finished reviewing your claim, denying your claim or paying partial or fully for your claim within 90 days.
  • Ensure that any claim filed includes a maximum amount payable and a deductible, which will later be subtracted from the total compensation paid to you.

It should also be stressed that insurance companies are notoriously difficult to work with. They don’t hand out money easily. Their adjusters and lawyers will work hard to find ways to pay you as little as possible. From claiming you don’t have evidence of the damage to saying you left a window open (in flood scenarios), we’ve seen it all.

Gain Legal Expertise from a Florida Property Damage Attorney

Naturally, you might be apprehensive. That’s where we can help. As Florida property damage attorneys, we’re very familiar with the tricks insurance companies pull in hurricane insurance claims.

We’ll ensure you meet the deadline to file a claim and have a solid case. Our team works to collect evidence, so there’s no chance for an insurance adjuster to come along and underpay.

We also don’t give in to low ball figures. We get you the money you deserve in your hurricane insurance claim.

Florida Property Damage Attorneys Specializing in Hurricane Claims

Free Consultations!

If your home or business has suffered from hurricane damage in Florida, then contact us today.

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 hurricane insurance claims.

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

28 06, 2021

New Florida Property Damage Bill: What Does it Mean?

By |2021-06-28T08:38:47-04:00June 28th, 2021|Categories: Fire Damage Law, Hurricane Damage Law, Insurance Claims, Tree Damage Law|Tags: , , , , , , , , |

Florida Gov. Ron DeSantis has signed Senate Bill 76 into law which will have a significant impact on homeowner’s insurance claims in Florida.

Created to give relief to a large sector of the state’s insurance industry, the SB 76 bill will cause wide changes to the handling and litigation of homeowner’s insurance claims.

Here’s what the new Florida homeowner’s insurance bill may mean for you if you’re making a property damage claim in Florida:

No More Soliciting From Contractors

From July 1, 2021, contractors will be prohibited from soliciting property owners, including offers for making roof damage claims.

Specifically, contractors will be prohibited from advertising to ‘encourage, instruct or induce’ a consumer to contact contractors or public adjusters in order to make roof damage claims.

That means no more door hangers, flyers, signs, emails, magnets, pamphlets, business cards or people knocking your door with property damage claim offers.

This statute applies to anyone working for a contractor, either as an employee or specifically for soliciting. Contractors can also no longer interpret insurance policies or advise insured people without being a licensed public adjuster.

No More Offers for Roof Inspections

Florida Statute § 489.147 will also prohibit financial incentives for roof claims.

Contractors in Florida often offer rebates, gift cards, coupons and other deals in exchange for roof inspections.

Similarly, the new statute restricts the use of referral fees or rewards for any roof repair or replacement services payable by property insurance proceeds.

Reduced Time Frame to Make Property Damage Claims

SB 76 also expands the existing Florida property damage claim notice statute. Previously, property owners had 3 years to file and reopen property damage claims.

But now, beginning July 1, 2021, if you want to make a property damage claim, or reopen a claim you must do so within two years of the date the damage occurred.

A ‘supplemental claim’ is no longer allowed, unless you make notice of that claim within three years.

Additionally, this will now also cover all property damage claims, not just hurricane claims.

Note: This will not change the existing five-year statute of limitations for filing a breach of contract lawsuit under Florida Statute § 95.11.

What Are Reopened or Supplemental Property Damage Claims?

  • A reopened claim is a property damage claim that was closed, but has been reopened to help cover additional costs or damage that was previously disclosed.
  • A supplemental claim is a property damage claim for additional damages not previously covered, from the same situation as previously adjusted or for costs incurred during repairs.

Other Changes in the New Florida Property Damage Bill

  • Allows for larger annual rate increases for customers of Citizens Property Insurance, the government-backed insurer. Currently, the cap is at 10%, but that could gradually increase to 15% over the next five years.
  • Steps to limit fees of attorneys representing homeowners in lawsuits against insurers. This will be done via a formula that compares how much money is awarded in court judgments and how much was offered by insurers in claim settlements before the lawsuit.

What Impact Could This Have on Florida residents?

While insurers may claim the new Florida property damage bill will keep costs down, many critics are concerned these law changes will raise premiums on homeowners who receive coverage from state-backed providers as a last resort.

When Does The New Florida Property Damage Bill Begin?

Florida SB 76 takes effect July 1, 2021.

Why The New Florida Property Damage Bill?

The insurance industry argues that it has suffered considerable losses in recent years through property damage claims and this is an effort to minimize the number of claims.

Lawmakers also believe the bill is needed as private insurers have raised rates, forcing many homeowners to turn to Citizens for coverage.

At the bill-signing event in Sarasota, Senate sponsor Jim Boyd, R-Bradenton said, “I think we’ve gotten at the cost drivers here, the unscrupulous contractors, the unlicensed contractors. We’ve got significant penalties and responsibilities for them that will get at the costs. And then some of the claims reporting and some other areas that I think will definitely make a difference, and it will drive costs down.”

But Sen. Annette Taddeo, D-Miami argued, “There is no sugar-coating this, it literally is going to raise the rates.”

Did You Know?

How to Make a Property Damage Claim?

If your property damage claim has been turned down by an insurer or if you’re unsure on where to start, then contact a Property Damage attorney as soon as possible.

Insurers are notorious for finding ways to avoid paying out what property owners deserve. From denying claims, to stalling and putting the blame on you, we’ve seen it all.

By hiring a property damage attorney, you can find help to navigate the claims process. They’ll take on the daunting team of lawyers that insurers are armed with and will give you the best chance at receiving compensation to cover your repairs.

Property damage claims often include:

  • Fire Damage
  • Sinkhole Damage
  • Storm and Hurricane Damage
  • Theft Damage
  • Tree Damage
  • Water Damage
  • Wind Damage
  • And More

Act Fast!

Acting fast to make your property damage claim has always been important. But starting July 1, 2021, you have even less time than before.

Be sure to file your property damage claim with your insurance company as soon as possible. SB 76 now shortens the time frame to file your initial claim, so time is of the essence! By contacting a property damage attorney, we can guide you through the claims process.

Property Damage Attorney in St Petersburg, Florida

Free Consultation Today

If you’re suffering from property damage and facing a problematic insurance company, then contact us today.

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 tackle the insurance companies.

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

16 04, 2021

High Wind Damage Property Claims In Florida

By |2021-04-16T15:45:38-04:00April 16th, 2021|Categories: Hurricane Damage Law, Insurance Claims|Tags: , , , |

According to the Florida Climate Center, the threat of hurricanes and high wind events is ever-present in Florida, particularly during the hurricane season from June 1 until November 30. High winds can cause devastating property damage such as blown-off roofs, damage from falling trees, water intrusion, broken windows and screens, and other losses.

While homeowner’s insurance generally covers wind damage from hurricanes and storms, policies can have exclusions that could leave a homeowner high and dry. If you have problems with recovering your due from an insurance company, you should consider contacting a high wind damage attorney for help and advice as soon as possible. Call St. Petersburg Property Damage Attorney Jonathon W. Douglas now to schedule a free consultation: (727) 381-2300.

Potential Exclusions with Wind Damage Coverage

Potential exclusions in your policy typically include anything the insurance company adjuster considers to be caused by factors other than high winds. However, in many cases, these exclusions are not cut and dry and can be rather subjective. For example, flooding is generally not covered with wind damage insurance. However, a homeowner could argue that water damage to the property happened due to high winds damaging a roof or windows.

Since it is not always apparent what exactly caused property damage such as water intrusion, insurers can be quick to deny a claim. Insurance companies generally exclude the following from coverage:

  • Losses that occurred as a result of pre-existing wear and tear issues or improper maintenance
  • Property damage due to flooding

However, an insurer could also deny or minimize a claim for other reasons, including but not limited to:

  • Lack of evidence for damages
  • Lack of adequate coverage
  • Damages do not exceed the deductible

High wind damage property claims in Florida can be complicated and challenging for homeowners. Policies rarely contain plain language and are often written in jargon that many property owners find challenging to understand. Moreover, it is not uncommon for insurance companies to intentionally delay paying claims, even when a claim is entirely legitimate, hoping that the claimant will give up demanding their due.

However, legal help is available. If your insurer offers you a settlement that seems far too low to cover all your windstorm losses, you should get clear on your legal rights as soon as possible and certainly before signing any legally binding agreements with your insurance company. An experienced wind damage attorney can look over the settlement offer and your insurance policy to ensure you receive the compensation you deserve under the law. St. Petersburg Property Damage Attorney Jonathon W. Douglas can assist with your claim, and help ensure your legal rights remain protected.

Will My Insurance Policy Cover High Wind Damage?

High wind damage coverage is generally included in homeowner’s insurance policies. In some cases, notably concerning properties in coastal areas, wind storm damage may not be automatically included and instead could be offered as an add-on to a homeowner’s insurance policy. However, even if wind damage is covered with your policy, you may encounter certain exclusions such as personal belongings or damage to outside areas of your property.

If you have suffered damage to your home and are not sure what your policy includes, a high wind damage attorney can review your homeowner’s insurance policy and advise you of your next best steps for recovering your losses.

What Should I Do After My Property Was Damaged in High Winds?

According to the National Oceanic and Atmospheric Administration (NOAA), there were 13 severe storms in the United States in 2020, and the next few years will undoubtedly see many more high wind events. Homeowners need to be aware of the steps to take when their property suffers damage in high winds. Generally, property owners are responsible for mitigating any further damages after a windstorm by taking the appropriate actions to protect their property and belongings, which can include actions such as:

Assess Your Property Immediately

Check your entire property inside and out for damage after a high wind event. At a minimum, check all rooms as well as the roof, windows, and external structures of your property. If you notice any immediate problems, consider temporary repairs that can prevent further damage. However, make sure to take photographs of all damages before fixing anything, especially if an insurance adjuster is unable to get to your home before you make any repairs. Make sure you save all documentation and receipts of expenses from any repairs.

Contact the Insurance Company and Check Your Policy

After suffering damage to your property, carefully examine your insurance policy to determine what is covered. You should also contact the insurance company promptly to start the process of initiating a claim. The insurer might send an adjuster right away to assess and document your losses. You should also ask the insurance about your next best steps for filing a claim to ensure that you are not missing any important steps specific to your insurance company.

Consult with a High Wind Damage Attorney

Having problems recovering your due from an insurance company? Then consider visiting with a wind damage attorney to protect your rights and determine whether you have legal recourse. Speaking to an experienced property damage lawyer can be particularly helpful when the insurance company:

  • Denies your claim right away
  • Disagrees about exclusions
  • Offers an inadequate settlement
  • Delays resolution of your claim
  • Disputes your damages occurred due to high winds

Getting your due from an insurance company can be a frustrating, challenging, and lengthy process. While some insurance companies are cooperative, other insurers drag out valid claims in the hope that claimants run out of steam and give up. The key to recovering what you deserve can be patience, tenacity, and the possibly the help of an experienced lawyer who can handle the insurance company and fight aggressively for what you deserve.

Call an Experienced St. Petersburg Property Damage Attorney Today

Unfortunately, insurance companies do not always act ethically when it comes to settling claims. All too often, homeowners face not only dealing with a house in disrepair and mounting bills but are also engaged in a frustrating exchange with an insurance company determined to deny or minimize a claim. However, our legal team can be here for you during this stressful time and help you understand all of your options for recovering what you deserve after high wind damage.

Our experienced attorneys have a track record of helping homeowners recover compensation related to wind damage claims and can see your case through from beginning to end. Call St. Petersburg Property Damage Attorney Jonathon W. Douglas today to find out how we could help you: (727) 381-2300.