Hurricane Milton left many homeowners facing extensive property damage, but unfortunately, insurance companies often deny or underpay claims. If you’ve encountered this situation, there are steps you can take to fight for the compensation you deserve.
At Elevate Legal Services, PLLC, we specialize in assisting policyholders with complex federal flood insurance claims. This guide will walk you through the process of making a claim after Hurricane Milton and what to do if your claim has been denied or underpaid. Contact us at 561-770-3335 or email [email protected] for expert assistance with your claim.
How to Fight Your Insurance Company for Fair Compensation
1. Review Your Policy Thoroughly
Before taking any action, it’s essential to understand your insurance policy—including the terms, coverage limits, and any exclusions. Ensure the damage caused by Hurricane Milton, whether it’s wind or water damage, falls within the scope of your coverage. If you find the language unclear, consult with a professional to clarify any uncertainties.
2. Document All Damage
Thorough documentation is one of the most crucial aspects of challenging an insurance denial or low settlement. Immediately after the storm, take photos and videos of all affected areas of your home and property. Document any structural damage, interior water damage, and destroyed personal items. Keep all repair estimates, receipts, and communications with your insurance company.
3. Request a Detailed Explanation
If your claim is denied or you receive a low offer, ask your insurance company for a detailed written explanation of their decision. Understanding why they denied your claim or how they calculated the payout is essential for building a strong counterargument.
4. Consider a Second Opinion
Hiring a public adjuster or contractor to assess the damage independently can provide you with a more accurate evaluation of the repair costs. A second professional opinion can serve as evidence when disputing your insurance company’s decision.
5. File an Appeal
Most insurance companies have an internal appeal process where you can challenge their decision. Submit all documentation, second opinions, and any additional evidence supporting your claim during this process. Be sure to meet all deadlines and follow the company’s procedures carefully.
6. Hire an Experienced Insurance Claim Attorney
If your insurance company remains uncooperative, it may be time to consult an attorney with experience in handling hurricane claims. Elevate Legal Services, PLLC, specializes in fighting for homeowners who have been denied or underpaid. Our legal team will help you navigate the appeal process, negotiate with your insurer, and, if necessary, take your case to court to secure the compensation you are entitled to.
7. Be Aware of Deadlines
Hurricane claims often have strict deadlines for filing disputes or lawsuits, so it’s essential to act quickly. In many cases, you may have one year from the denial date to file a lawsuit. Failing to meet these deadlines could jeopardize your ability to recover compensation.
Why Choose Elevate Legal Services, PLLC?
At Elevate Legal Services, PLLC, we understand how overwhelming it is to deal with insurance companies after a disaster like Hurricane Milton. Our team is dedicated to ensuring you receive the fair compensation you deserve. With extensive experience in handling denied or underpaid claims, we will fight tirelessly on your behalf to secure a favorable outcome.
Contact Us Today for a Free Consultation
If your insurance company has denied your claim or offered less than you need to rebuild, don’t hesitate to reach out to Elevate Legal Services, PLLC. We offer free consultations and work on a contingency basis—you don’t pay unless we win your case. Let us help you fight for the compensation you deserve after Hurricane Milton.
If you need assistance with your flood damage claim, contact Elevate Legal Services, PLLC today at 561-770-3335 or email [email protected] for a free case evaluation. Our experienced attorneys will help you navigate the complexities of the NFIP and ensure you receive the compensation you’re entitled to. Don’t let the flood damage from Hurricane Milton become a financial burden—let us help you recover and rebuild.
