If you live in North Miami, you are likely no stranger to the damage they can cause. Most residents carry property damage insurance to cover the damages caused by the high winds and rains hurricanes bring.
However, nothing prepares you for the emotional and financial impact hurricane damage can have on your life. If a hurricane caused damage to your North Miami home, you expect your insurance company to be on your side and to cover your losses. The reality, however, is the insurance company is often focused on saving money. It’s possible that we may file a bad faith lawsuit if the insurance company makes an unreasonable settlement offer.
For help filing a North Miami property damage claim or appealing a denial, you want a legal advocate who is on your side. A hurricane property claim lawyer in North Miami from the team at the Law Offices of Anidjar & Levine can help. Call us to discuss your case.
Damages You May Recover in Your North Miami Hurricane Damage Claim
Every insurance policy is different, and the amount of compensation you are eligible for may depend on the damage your property sustained as well as the cause of the damage. For example, we may need to show water damage was caused by wind-driven rain if your policy does not cover flooding.
For this reason, it is important to work with a hurricane property claim lawyer in North Miami who can navigate your insurance contract and ensure you recover all the losses to which you are entitled.
Most property insurance policies cover the following types of damage:
Property Damage
You may recover the cost to repair or rebuild any structure on your property, including your house, shed, barn, or detached garage. You may also be able to recover the cost of debris clean up in order to clear fallen trees and objects carried into your yard by the wind.
Personal Property Damage
Most policies also cover the loss of items inside your home or business, including furniture, appliances, bedding, linens, clothing, electronics, and appliances. Expensive equipment, such as professional grade photography equipment, art, or high-end jewelry may be covered under additional insurance policies.
Temporary Housing Costs
In many cases, you may be unable to return to your home for a time or it may be uninhabitable. If this occurs, your insurance may cover the cost to stay in a hotel or short-term rental.
Other Out-of-Pocket Expenses
We may also pursue out-of-pocket expenses you incurred, such as meals, toiletries, laundry costs, and so forth.
The amount of damages you collect after your home is damaged or destroyed in a hurricane will depend on your specific insurance policy. A hurricane property claim lawyer in North Miami can review your coverage and offer legal guidance.
Tactics Insurance Companies May Use to Pay You Less
After a hurricane hits North Miami, we hope the insurance company will do the right thing and pay claims without delay. However, the reality is most insurance companies are looking out for their profit margin, not the rights of people like you.
Your insurance company may employ certain strategies in an attempt to pay you less.
These may include:
- Denying you have active coverage, when you know you do.
- Denying your claim outright.
- Asking for absurd levels of proof for damages.
- Delaying the process by taking too long to send an adjuster.
- Claiming you have to pay an additional hurricane deductible.
- Refusing to view certain areas of your home.
- Devaluing your claim.
- Discouraging you from working with a hurricane property claim lawyer.
- Offering a small settlement fast but asking you to sign a release.
- Sending a partial payment marked as “paid in full” or “final payment.”
You do not need a lawyer to file a hurricane damage claim. However, having a legal advocate who is looking out for your best interests can make the legal process go smoother. If your insurance company has used any of the tactics above or you suspect they may, call us today.
How Our Firm Can Help with Your North Miami Hurricane Damage Claim
After a hurricane hits North Miami, you may be displaced from your home and unable to work to earn an income. You want a legal team who knows how to work with the insurance company to recover the compensation you deserve.
Here is how we help:
- Review your policy coverage.
- Answer all your questions.
- Ensure you meet all deadlines.
- Gather evidence to build a strong claim.
- File a claim on your behalf.
- Appeal a claim denial.
- Negotiate with the insurance company.
- Take your claim to court, if required.
For assistance with filing your initial claim or appealing a denial after your North Miami home is damaged, call the Law Offices of Anidjar & Levine.
Get Help from a Hurricane Property Claim Lawyer in North Miami Today
The weeks after a hurricane damages your North Miami home can be devastating. In addition to losing your personal possessions, your entire life may be in upheaval.
You want a dedicated legal team who offers compassionate care and solid legal assistance. Let us help you through this challenging time. Our team will take over the entire claim process, letting you focus on getting your life back together.
Do not wait. You have a limited time to file a hurricane property damage claim. In most cases, you have just three years to file a case in a Florida court. After this time, you may be unable to recover the damages you deserve.
Call us today to discuss your hurricane property damage claim. We can review your coverage and discuss the next steps.
We Can Help.