Hurricane Ian Claims
What Can You Do if Your Home Is Damaged by Hurricane Ian?
The Florida statute of limitations gives individuals living in the state a limited timeframe in which to file a hurricane claim with their insurance company. According to Florida law, a notice of a hurricane or windstorm claim, like Hurricane Ian claims, must be given to the insurance company within three years after it hits land. The statute of limitations for filing a property damage claim related to Hurricane Ian is five years and runs out on September 28, 2025.
It is important to file your insurance claim as quickly as possible in Hurricane Ian’s aftermath. This gives you time to fight for benefits you paid for under your policy. This also gives you time should you have to dispute your claim with the insurance carrier. If your property is covered under your homeowner’s insurance policy, you should not have an issue getting compensated after Hurricane Ian. However, property insurance companies sometimes act in bad faith, refusing to pay for damage that should be covered under a policy.
In these cases, you may need to hire an experienced attorney for Hurricane Ian claims, who will go head-to-head with your insurance company, holding them accountable for the money they owe you.
Once a claim is submitted, the carrier has ten (10) days to open its investigation after your Proof of Loss is submitted, and then has ninety (90) days to approve or deny your claim. If this process is delayed, you should contact an attorney to help you figure out what the next steps should be.
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What Damages Are Covered?
Hurricane Ian’s heavy rains, damaging storm surge, and strong winds left significant damage across much of the state of Florida, causing Gov. Ron DeSantis to declare a State of Emergency.
As you look to begin the hurricane claims process after sustaining property damage in this major storm, you might be wondering what types of losses can be covered after such an event with Hurricane Ian claims.
Some of the most common types of damage that occur in hurricanes include:
Water & Flood Damage
Hurricane Ian’s heavy rains and dangerous storm surge left entire areas underwater. Most hurricane insurance policies include flood insurance to cover damage that occurs during high water.
Hurricane-force winds caused extensive damage, uprooting trees, shearing off paneling and roofing, and caused large items to fly into and collide with valuable property.
Hurricane Storm Damage
Hurricanes can cause damage to property in a number of ways, including tornadoes that may happen alongside the storm, flying debris, mold damage after the water recedes, and more.
Hurricanes can damage just about every aspect of a home, from the foundation to the roof, to interior finish work, and more. If your home has been damaged in Hurricane Ian and you have insurance that covers the damage, you need to make sure you get the compensation you deserve. Don’t let insurance adjusters undervalue or wrongfully deny your Hurricane Ian claims. We have the necessary experience and resources to help you recover the benefits your insurance company refuses to give you.
What if My Hurricane Ian Claims Are Denied or Undervalued?
If you submit a claim with your insurance company after Hurricane Ian and it is denied or undervalued, you still have options. A qualified attorney can review your case and help you determine whether you have a valid reason to pursue compensation from the insurance company.
After a large storm like Hurricane Ian, insurance companies often look for any reason to deny claims because they are experiencing a period of overwhelming numbers of claims. By consulting with an attorney, you will have peace of mind knowing that you have done everything in your power to obtain the benefits you deserve under your insurance policy.
Seasoned attorneys can assist you in many ways with Hurricane Ian claims. This includes speeding up the process of administering coverage disputes, increasing the scope of coverage when the carrier presents undervalued claim payments, and they can fight for you if coverage is denied.