As if homeowners insurance companies in Florida didn’t have enough reasons to deny a wind damage claim… Unfortunately, when a named storm makes landfall, insurance providers have come up with yet another one.
A History of Claim Denials and Underpayment
When a named storm hits Florida, not only does it bring severe weather and property damage but it also ups the ante on potential complications for homeowners filing wind damage claims. Here’s a little backstory on what can make wind damage claims in Florida so complicated.
One of the trickiest aspects of wind claims over the last several years has been the increased frequency of severe storms. We went from having relatively few named storms in the early 2000s that when a named storm did come through, it was almost guaranteed that your claim was going to be covered but that you were going to be underpaid.
Fast-forward to more recent years when we’ve had named storm after storm after storm in recent succession. Now, it’s become something of a shell game by insurance providers where if you didn’t make a claim from a prior storm, you could be denied coverage for the current storm.
What to Know About Wind Claim Denials in Florida
The list of claim denial reasons used by insurance companies is many. Add to the list the complications a named storm can cause, and you might feel at your wit’s end.
Whether it’s a named storm or a more violent isolated storm system that brings wind or hail, an insurance company may try to find reasons to deny your claim. They may state that it was damage from a prior storm you didn’t know about and shouldn’t be covered under this claim, or they’ll want to charge you multiple deductibles. What’s more, the shill engineers insurance companies use might show up to say none of your damage is even wind-related.
To protect yourself from this type of fraudulent behavior, homeowners should attempt to document conditions after every violent storm, but in reality, this is virtually impossible to do. Instead, the next best thing is to arm yourself with legal representation from the outset. If you plan to file a wind claim, call us first at KK&P Law Firm.
Contact Our Law Firm at Kandell, Kandell & Petrie for Help
A named storm can complicate the process of filing a wind damage insurance claim in Florida. To ensure you receive your rightful claim amount after a damaging wind event, call our experienced legal team at Kandell, Kandell & Petrie. We have been helping homeowners with their hurricane and other property damage claims since 2004.
