Practice Areas
- Auto, Truck & Motor Vehicle Accidents
- Personal Injury
- Wrongful Death
- Nursing Home Neglect / Abuse
- Product Liability
- Insurance Disputes
- Sinkhole Claims
- Commercial Litigation
- Defective Medical Devices
- Asbestos/Mesothelioma
Blog 
Hurricane Insurance Claim
- 3 Important Steps To Filing a Hurricane Damage Claim
- Late season hurricanes are still a threat
- Tropical Storm Fay – Are You Covered?
- Experts predict more hurricanes – Better check your coverage
- Hurricane Season Is Good Time to Check Insurance Coverage
Claims Involving Children
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.
Lilly, O'Toole & Brown, LLP
Lakeland Office: (863) 683-1111
Bartow Office: (863) 533-5525
Sebring Office: (863) 471-0003
Lake Wales Office: (863) 676-1991
Haines City Office: (863) 422-1282
Wauchula Office: (863) 767-1111
Winter Haven Office (863) 294-8100
Also providing legal assistance to clients from:
Wauchula, Lake Placid, Avon Park, Plant City, Brandon, and Valrico, Florida.
Blog for Hurricane Insurance Claim
- 3 Important Steps To Filing a Hurricane Damage Claim
- Late season hurricanes are still a threat
- Tropical Storm Fay – Are You Covered?
- Experts predict more hurricanes – Better check your coverage
- Hurricane Season Is Good Time to Check Insurance Coverage
- Hurricane Season is Here!
Library for Hurricane Insurance Claim:
- Tips for Filing an Insurance Claim after a Tampa Hurricane
Description: Knowing what to do is important when it comes to filing a Tampa hurricane damage claim. A Tampa hurricane attorney from Lilly, O’Toole & Brown can investigate your hurricane damage claim and help you to fight for compensation. Contact us today – 1-863-683-1111 - Filing an Insurance Claim for Windstorm/Hurricane Damage in Florida
Description: There are several steps involved in filing a Florida hurricane damage claim. A Florida hurricane damage attorney from Lilly, O’Toole & Brown can investigate your damage claim and help you fight for compensation. Contact us today – 1-863-683-1111 - 7 Sure-Fire Tips to Prevent Hurricane Damage Inside Your Home
Description: When most people think "hurricane prevention," they only think about securing the roof and boarding up the windows and doors. Many people neglect the things that should be done inside the home. - 9 Must Read Tips for Safeguarding the Outside of Your Home
Description: Hurricane season can be a dangerous and costly time for Florida residents. Here are 9 "must read" tips for keeping the outside of your home safe. - Seven Important Hurricane Preparation Tips
Description: Whether you're new to Florida or just looking to update your list of hurricane preparation materials, here are 7 vital tips to make sure your family isn't caught out in the rain. - Lower Your Homeowner's Insurance Rate with Hurricane Inspections
Description: The state of Florida is offering free wind inspections that will make recommendations on how to hurricane-proof your home. These inspections may make you eligible for homeowner's insurance discounts. - HOMEOWNER'S INSURANCE: ARE YOU REALLY COVERED? [PDF]
Description: Since the hurricanes in 2004 throughout Florida, homeowners are having to pay much more for much less. - Resources and Useful Information ...
- Commonly Asked Questions ...
- Hints (from the Consumer Federation of America) to help you get good claims payment ...
- Help in Fiilng Your Claim ...What to do After a Disaster
- Additional Online Resources
- Ayuda del gobierno/ Información:
- Volunteer Florida
- Find emergency contacts for each Florida County or by map
- A listing of links to each county emergency website
- Florida DBPR Division of Regulation
- Florida DBPR Contractor License Search
- Florida Electrical Contractors Licensing Board
- Florida Construction Industry Licensing Board
Verdicts / Settlements
Appellate Decisions
Press Releases
Lakeland Office
800 S. Florida Ave.
Lakeland, FL 33801
Phone: (863) 683-1111
Fax: (863) 683-0915
Get Directions
Sebring Office
2154 Lakeview Drive
Sebring, FL 33870
Phone: (863) 471-0003
Fax: (863) 471-2034
Get Directions
Bartow Office
310 E. Main Street
Bartow, FL 33830
Phone: (863) 533-5525
Fax: (863) 533-0505
Get Directions
Lake Wales Office
815 S.R. 60 East
Lake Wales, FL 33853
Phone: (863) 676-1991
Fax: (863) 676-3873
Get Directions
Winter Haven
70 Fourth Street N.W.
Winter Haven, FL 33881
Phone: (863) 294-8100
Get Directions
