If you are tired of dealing with uncooperative business and homeowners insurance companies, claims adjusters, Lilly, O'Toole & Brown can assist you to obtain an equitable settlement of your hurricane damage claim.

Hurricane Insurance Claim


Central Florida is swamped with the claims resulting from three hurricanes bringing destruction to our area. Business and homeowners insurance companies will often cut costs wherever they can. Adjusters will try and reach quick settlements with you, often for amounts that are not reasonable. Insurance companies will try and delay some claims and just flatly deny other claims that should be paid.

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. Whether your claim is large or small, we can help. Call us at 863-533-5525 or complete our Quick Contact Form to receive a confidential consultation.

In Florida, the typical hurricane policy will have a deductible equal to 2-5% of the building's value. Therefore, if your home is worth $100,000 and you have elected the standard 2% deductible, your out of pocket expenses will be $2,000. If you have elected the higher deductible to save on premiums, your out of pocket expenses following a hurricane will be $5,000.

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; and, 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. The comprehensive section of an auto insurance policy usually covers vehicles damaged by hurricanes.

When you need assistance in interpreting the provisions of your policy and negotiating an equitable settlement with your insurance company, we can help. With 6 offices serving Central Florida, we are strategically located to handle disputed insurance claims throughout Florida.


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Lilly, O'Toole & Brown, LLP
Lakeland Office: (863) 683-1111
Bartow Office: (863) 533-5525M
Sebring Office: (863) 471-0003
Lake Wales Office: (863) 676-1991
Haines City Office: (863) 422-1282
Wauchula Office: (863) 767-1111

Also providing legal assistance to clients from:
Wauchula, Lake Placid, Avon Park, Plant City, Brandon, and Valrico, Florida.

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