Hurricane and Natural Disaster Claims
Hurricane activity in Florida causes millions of dollars in property damage each year. In the wake of a devastating hurricane, victims are faced with the daunting task of rebuilding and moving on. Unfortunately, in the interest of maximizing profits, many insurance companies are reluctant to fulfill their legal responsibilities under the terms of the policy. At The Rogatinsky Law Firm, our hurricane attorneys are here to help. We will fight to make sure you receive the just compensation rightly due to you and your family.
Homeowner insurance companies frequently deny, delay, or underpay claims in order cut costs and increase profits. Adjusters try to force distraught homeowners into quick, "on-the-spot" settlements that do not sufficiently cover losses or provide adequate funds for victims to recover from the disaster.
Florida hurricane victims who become involved in an insurance dispute without retaining an attorney, rarely receive the compensation due to them under the terms of their policy. Many insured homeowners simply do not understand their legal rights or the legal responsibilities of insurance companies.
By contacting our law firm, you will have a powerful team of hurricane attorneys on your side who have extensive experience dealing with Florida insurance companies in these types of claims. A hurricane insurance dispute attorney from our firm will deal directly with the insurance company so you don't have to. We will aggressively advocate your interests and work to maximize the payout of your claim.
Our hurricane attorneys will make sure the insurance company compensates you for every expense that they are legally obligated to pay as stipulated by your homeowner's policy. This may include replacing any damaged personal property, reimbursing you for hotel and food expenses if your house is unsafe to live in, paying for the removal of trees and debris from your property, and compensating you for theft or vandalism that occurred after the hurricane.
If your insurance company acts in bad faith by denying or underpaying a meritorious claim, one of our hurricane attorneys may be able to secure punitive damages as well.
At The Rogatinsky law Firm, we understand the difficulty of coping with a catastrophic event such as a hurricane. Our hurricane attorneys are dedicated to helping victims rebuild their lives. If you are a hurricane victim involved in an insurance dispute, contact The Rogatinsky law Firm for aggressive and competent representation of your interests.
Frequently Asked Questions
What damages and expenses should my insurance company cover if a hurricane destroys my home or personal property?
If you are a homeowner with a valid insurance policy, your insurance company is obligated to pay for a hotel room and food expenses if your house is unfit to live in, the removal of debris and trees, and the replacement of any damaged personal property.
How do I get reimbursed for household items such as furniture, TVs, and DVDs?
These items should be covered by your insurance policy. For quicker reimbursement, try to gather any receipts or proof of items you had in your house prior to the hurricane.
How do I get reimbursed for more expensive items such as artwork and jewelry?
It is much more difficult to get reimbursed for more expensive items like jewelry. It is recommended that homeowners have separate insurance policies to cover such items. You should also always keep all receipts and appraisal documents in a safe deposit bank.
Will FEMA pay my insurance deductible?
No. FEMA has never paid an insurance deductible.
Can an insurance company raise my deductible after a hurricane?
In 1996, Florida passed a law that permits insurance companies to raise deductibles form two to five percent after a hurricane. However, insurance companies rarely invoke this right.
Can I sue the insurance company for punitive damages?
Yes. If your insurance company denies your valid claim in order to avoid a costly payout, the law allows the insured to seek punitive damages against the insurance company in addition to the money owed under the policy.
If you are a hurricane victim involved in a dispute with a Florida insurance company, contact a qualified hurricane dispute lawyer at The Rogatinsky Law Firm.
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