Hurricane Milton has left significant damage, and if your home or business has been affected by wind or flood damage, you might be facing the challenging task of filing an insurance claim. Unfortunately, many policyholders find themselves in a tough situation: their insurance company offers less than what’s needed for repairs and replacements. If you’re experiencing this, don’t worry—you have options, and our experienced team of flood and wind damage attorneys is ready to guide you.
At Elevate Legal Services, PLLC, we are nationally recognized for our expertise in handling federal flood insurance claims. Unlike state-regulated policies, federal flood coverage is subject to complex laws that demand strict compliance. Missing any of these requirements could put your ability to recover compensation for flood damage at risk. Our team at Elevate Legal Services, PLLC, is here to ensure that you meet every requirement and secure the compensation you deserve. Let us guide you through every step of the claims process. Contact us today at 561-770-3335 or email [email protected] for professional assistance with your flood insurance claim.
Understanding the Insurance Claims Process
When a hurricane like Milton strikes, the damage can be extensive—from the roof and structural damage caused by high winds to floodwaters impacting every part of your property. Navigating the claims process with your insurance company can feel overwhelming.
Flood Damage vs. Wind Damage: It’s crucial to understand that flood damage is often covered separately from wind damage. Flood damage typically falls under a flood insurance policy (often linked to the National Flood Insurance Program or NFIP), while wind damage is covered by your standard homeowner’s policy. Misunderstanding this difference can lead to delays, denials, or reduced payouts on your claim.
Why Are Claims Often Underpaid or Denied?
Insurance companies might offer less than what you deserve for a few reasons:
- Misinterpretation of Policy Terms: Insurance policies are full of legal jargon that can be difficult to understand. Insurance companies sometimes use this complexity to their advantage, offering less than what you’re entitled to.
- Insufficient Proof of Damage: Without proper documentation, such as photos, videos, and receipts, insurance companies may argue that your claim lacks sufficient evidence.
- Errors in the Claims Process: Missing deadlines, like the 60-day requirement to submit a sworn proof of loss statement, can be used by insurers as a reason to deny your claim.
Steps to Take If You’re Offered Less Than You Deserve
If you believe your insurance company is undervaluing your claim, take these steps to protect your interests:
1. Review Your Insurance Policy Thoroughly
Before disputing a claim, carefully review your insurance policy. Understand your coverage, limits, and what’s required from you when filing a claim. Pay close attention to deadlines like the 60-day proof of loss submission, as missing these can result in a denied claim.
2. Document the Damage Extensively
Proper documentation strengthens your claim. Use your phone to take photos and videos of all the damage as soon as it’s safe. Document damaged appliances, electronics, and personal belongings, noting their make, model, and serial numbers. Include before-and-after photos if available to reinforce your evidence.
3. Request a Detailed Explanation of the Payment Offer
If the insurance company’s offer seems too low, request a detailed breakdown of how they calculated the payment. This should outline what damages were covered, what was denied, and why. Understanding their rationale can help you spot mistakes or unfair assessments.
4. Get a Second Opinion
If you disagree with the insurance adjuster’s assessment, consider hiring a public adjuster or a professional insurance claim attorney. At Elevate Legal Services, PLLC, we can provide a fair evaluation of the damage and ensure your claim is accurately assessed. Our expertise in hurricane damage claims allows us to push back against lowball offers and denials.
5. File a Dispute or Appeal
If your insurer refuses a fair settlement, you can dispute or appeal their decision. This often involves submitting additional evidence to support your claim. Remember, timing is critical when filing disputes or appeals. The sooner you act, the better your chances of success.
6. Consult an Experienced Hurricane Damage Attorney
Insurance claims can be complex, especially after a disaster like Hurricane Milton. Our hurricane damage attorneys at Elevate Legal Services, PLLC, are ready to advocate for you. We handle the paperwork, meet deadlines, and stand up to insurers that try to minimize payouts. Plus, you won’t pay any fees unless we win your case.
Why Choose Elevate Legal Services?
- Expertise in Hurricane Claims: We’ve assisted thousands of policyholders after hurricanes like Milton. Our team knows the challenges of flood and wind damage claims, ensuring you receive the compensation you deserve.
- Empathy and Dedication: We understand the emotional toll of storm damage. Our team combines compassion with legal expertise to support you throughout the claims process.
- Nationwide Support: No matter where you are, our nationwide team is ready to assist with your flood and wind damage claims, maximizing your recovery under your policy.
Don’t Settle for Less Than You Deserve
If Hurricane Milton has damaged your property and you feel your insurer’s offer is insufficient, it’s time to take action. Don’t wait until it’s too late to secure the compensation you need. Contact Elevate Legal Services, PLLC, today for a free case evaluation. Let us handle the complexities of the claims process while you focus on rebuilding.
Contact Us Today for a Free Consultation
Hurricanes are inevitable, but underpaid claims don’t have to be. Contact us today to ensure you’re getting the compensation you’re entitled to after Hurricane Milton. Time is of the essence, so call now and let our experienced attorneys start working on your behalf.
If you need help with your flood damage claim, reach out to Elevate Legal Services, PLLC, today at 561-770-3335 or email us at [email protected] for a free case evaluation. Our experienced attorneys are skilled in navigating the complexities of the National Flood Insurance Program (NFIP) and will ensure you receive the full compensation you deserve.
Don’t let the flood damage from Hurricane Milton become a financial burden—let us guide you through the recovery process and help you rebuild.
