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Hurricane Lawyer in Jacksonville
In some instances, picking up a few loose branches may be all that’s required after a hurricane. In more severe cases, these powerful storms can cause immense destruction.
If you suffered property damage in a hurricane, the last thing you need is to deal with an insurance company that refuses to cover your losses.
Morgan & Morgan can help you fight back. Schedule a free, no-risk case evaluation with our Jacksonville attorneys.
What Does My Insurance Cover?
Broadly speaking, there is no such thing as hurricane insurance, or one singular policy that can be purchased to protect against damages from a hurricane. Instead, there are policies that, in unison, can protect you: homeowners insurance (which includes windstorm coverage), and flood insurance (which generally is not included in homeowners insurance and must be purchased separately).
In Florida, there is a deductible for hurricane damage, set at a specific percentage based on the total sum of the policy. The insurance company won’t pay for any damages until this deductible is met.
It’s important to get a firm understanding of what your coverage entails. That way, if the insurance company denies your claim or offers an inadequate payout, you’ll know to call us.
What Tactics Might the Insurance Company Use to Avoid Paying My Claim?
Insurance companies are motivated by profits. They don’t stay in business by keeping the best interest of their policyholders in mind, but rather by paying them as little as possible. As such, they may take any number of steps to protect their bottom line at your expense:
- Undervalue or deny your valid claim
- Delay the processing or payment of your claim
- Refuse to pay you under the correct coverage category
- Make payment contingent on signing a release of supplemental claims
- Argue that certain damages are not covered under your policy
- Try to convince you that an inadequate payment is the best deal you can get
- Tell you that you don’t need an attorney and should instead handle the claim yourself
The insurance company may also say that hiring an attorney is too expensive. Nothing could be further from the truth. Our attorneys work on a contingency basis, so our payment is dependent on us successfully resolving your claim. It costs nothing to hire us, and we collect a fraction of the favorable settlement or jury verdict.
If you encounter any of these tactics with your insurance provider, contact our Jacksonville office. We’re happy to offer a free, no-risk evaluation of your case.
Contact a Jacksonville Hurricane Attorney
If you’ve been affected by a hurricane and are having difficulty getting your claim paid, contact Morgan & Morgan. Our legal team may be able to help you recover the compensation you’re owed.
Schedule a free, no-risk case evaluation now.