Filing a Florida Homeowner’s Insurance Claim

Insurance Claims for Hurricane Irma Damage in Orlando
January 31, 2018
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In Florida, we’re well acquainted with the dangers of tropical storms and hurricanes as well as the problems associated with cleaning up and making repairs after a storm.  However, even as we sigh in relief that hurricane season has ended, it’s important to remember that our homes can be damaged in many other unexpected ways, and we might not be as prepared as we were for Hurricane Irma.


Handling Property Damage

When your property has been damaged by a hurricane, water, or wind driven rain, you should first protect it from any further damage as much as possible.  Roofs that have been damaged can lead to water accumulating inside your home, and water inside a home can lead to mold and other health related problems. You should also report your damages as soon as possible to your insurance company to ensure they have the opportunity to address all issues related to your claim.


Working with Your Florida Homeowners’ Insurance Company

Your insurance company will send an adjuster to your home to assess the damage.  Make sure you inform the adjuster of all damage to your home and of any items, such as furniture or clothing, that have been damaged. Additionally, take photos or videos of the damaged areas, and make a complete inventory of all personal items damaged. If you have any out of pocket expenses, hold on to any receipts for items purchased, as well as invoices for repair work.

Once you’ve filed a claim, be sure to keep track of all relevant documents, including those sent to your insurance company and those received from them. Lastly, we recommend keeping a written log of any email or phone communication with your insurance company and adjuster.


Getting Help from an Experienced Florida Insurance Attorney

If you have any problems with your insurance claim, you should get help from an experienced Florida insurance claim attorney.  Insurance companies can deny your claim altogether or try to give you less than you are entitled.  Their complicated policies and procedures often times make it difficult to resolve these issues on your own.

At HIGGS LAW, P.A., we’ve successfully helped numerous clients obtain fair compensation from their insurance companies.  We want to help you understand your policy, handle disputes with your insurance company and fight denied claims. We’ll fight to get you the compensation you deserve.

Call us today at 407-459-7921 or submit the FREE CASE REVIEW form on our website to talk with an experienced attorney about your insurance claim case.