High winds and tornados along with torrential rains and flooding are not uncommon sights in the state of Florida. These storms can be devastatingly powerful and leave an extensive damage trail in their aftermath. Sadly, in the worst-case scenarios, people sustain serious injuries and some even lose their lives. Fortunately, most homeowners have insurance coverage that will pay for the property damage that results. However, the claims process can be challenging and create headaches for the policyholder.
The key to experiencing a smoother claims process is knowing what you need to do after the storm has done its damage and moved on. Naturally, the first thing you need to do is see that anyone who’s been injured gets medical attention. Once that’s been done, it’s time to contact your insurance agent and notify them of your intent to file a claim. The sooner you do this, the better your chances of getting an accurate estimate of the damages and the cost of all repairs.
The next step is to mitigate whatever property damage you can and take the necessary measures to prevent any further damage from occurring. Although it may be difficult, make a list of all damages to your property, especially those items that are missing or have been completely destroyed. Remember, no one knows your household inventory as well as you do. If you’re unable to remember any damaged or missing items, chances are your insurer won’t reimburse you for them.
At some point after the storm, power restoration companies may visit your home to make the necessary repairs and help to protect your home from any additional damage. These companies cover damaged roofs with large tarps, place fans to help dry out your property, and so on. While these services help to protect your home, they can be costly and exceed the coverage limits of your homeowner’s policy. This could jeopardize completing the remaining repairs to your home. Thus, it is important to hire a lawyer to represent your rights, as they can help you get the required representation.
Finally, it’s important that you understand how flood insurance and wind insurance differ. Normal homeowner’s insurance doesn’t cover flood damage (damage caused by rising water). However, if high winds blow water into your home through a damaged roof or window and damage results, that is usually covered. Be sure that you are aware of what’s covered in your policy and what isn’t. If you have any questions about the coverage in your homeowner’s insurance policy, be sure to contact the Korin Law, P.A. Firm at your earliest convenience.