Hurricane/Homeowners Insurance Claims
Central Florida is swamped with the claims resulting from three hurricanes bringing destruction to our area. Business and homeowner’s insurance companies will often cut costs wherever they can. Adjusters will try to reach quick settlements with you, often for amounts that are not reasonable. Insurance companies will try to delay some claims and just flatly deny other claims that should be paid.
The typical hurricane policy will cover the following losses:
- Wind damage to your home and attached structures;
- Rain damage that is a result of rain entering through a wind-damaged area;
- Emergency repairs to prevent further damage;
- Debris removal;
- The actual cash value or replacement value of your damaged personal property. Living expenses if you are forced to leave your home.
Flood insurance is usually sold separately. It can cover other types of water damage such as: waves; tidal action; overflowing rivers, creeks or lakes; and groundwater runoff.
Your homeowner’s policy also covers a variety of other losses, including sinkholes, fire, theft and vandalism.
When you need assistance in interpreting the provisions of your policy and negotiating an equitable settlement with your insurance company, we can help. With seven convenient offices serving Polk, Hardee and Highlands counties, we are strategically located to handle disputed insurance claims throughout Florida.
If your property has sustained damage from hurricane, wind storms or flooding, you should contact the Law Offices of Lilly, O’Toole & Brown, LLP at 863.533.5525 for a free consultation. We are happy to advise you on your legal options.
What is my case worth?
The lawyers and staff at Lilly, O’Toole & Brown are experienced in making insurance companies pay for all damage done to your home or business. Any fee you pay is based only upon the amount that we collect for you.
In many cases, if we are successful making the insurance company pay your disputed claim, the insurance company may be required to pay our fees and costs. If we don’t win, you don’t pay any fees or costs.