Hurricane Ian / Hurricane property damage claims

Is it Too Late to File a Hurricane Ian Claim?

Hurricane Ian left a path of destruction across parts of Florida as it slammed into the state on September 28, 2022. Nearly a year later, many homeowners are still dealing with the aftermath of the storm, asking questions like, “Is it too late to file a Hurricane Ian claim?” and “Does my insurance cover hurricane damage?” JT Law Firm wants to help you navigate the complexities surrounding a Hurricane Ian property damage claim. 

Contact our legal team today to schedule a complimentary discovery call. Call us at 855-585-2997.

Can I still file a Hurricane Ian damage claim? 

In Florida, you have two years to file a claim from the date of loss for a Hurricane Ian damage claim, which means you have until September 28, 2024 to file. 

Under Florida’s insurance laws, policyholders are given a two-year window from the ‘date of loss’ to file a hurricane damage claim. For Hurricane Ian, this date was September 28, 2022, which means homeowners have until September 28, 2024, to file their Hurricane Ian Claims. Understanding this deadline is crucial, as missing it could potentially lead to your insurance company denying your claim.

With the right legal team in place, you can effectively navigate your insurance claim and get the help you need to restore your property back to its pre-loss condition.

Schedule your complimentary discovery call. Call us at 855-585-2997.

Shingle Roof Damage
Hurricane Roof Damage Claim

Florida enacts property insurance reform that may affect Hurricane Ian claim filings reducing the time you have to file to only 1 year.

Here’s what’s going on, according to Attorney John Tolley.

The concern is that the 12/16/22 law change in Florida lowered the time to file a claim from 2 years to only 1 year.

When determining if this new law is retroactive or not, the rule has been if it’s a procedural right, it applies retroactively; if it’s a substantive right, it doesn’t. It’s unclear if courts will interpret claim reporting as a substantive right.

As such, the safest action with an lan claim is to get the claim reported before 9/28/23.

What can you do?

Get your home inspected as soon as possible. Uncovering hidden damage now can save you thousands in the long run and help get your Ian claim filed on time. Need help? Contact our office at (855) 585-2997, and we will get the ball rolling for you.

Office Leak in Ceiling After Hurricane Damage
Commercial Office Ceiling Leak and Water Stain After Hurricane

Did Hurricane Ian cause the leak in my ceiling?

“A lot of people thought they didn’t have any damage from the hurricane (Hurricane Ian), but what they didn’t realize is they had wind uplift to the roof. As rainy season comes in, they’re going to start seeing ceiling stains,” said Attorney John Tolley, Founder of JT Law Firm. 

Identifying the cause of your ceiling leak and roof damage can be a difficult process. A new ceiling leak could be due to Hurricane Ian, especially if it started soon after the hurricane. Wind uplift damage is not always identified early on, and many homeowners realize they sustained this type of damage weeks or months after a hurricane. Because of this, an insurance company might argue the leak is due to wear and tear or a pre-existing condition. A thorough inspection by a professional can help determine the cause and strengthen your claim. Our hurricane damage legal team is well-versed in dealing with difficult claims where the insurance company is attempting to avoid honoring a valid claim. 

“Over 700,000 Hurricane Ian claims have already been reported since the storm hit, and those numbers are expected to rise,” said Attorney John Tolley. 

If you find yourself with a new roof leak, getting it inspected as soon as possible is critical. 

Does my insurance cover hurricane damage?

Most homeowner’s insurance policies in Florida provide some sort of coverage for hurricane damage. However, the exact coverage can vary based on the language used in your policy. A property damage claim attorney can review your policy, determine how much coverage you have, and estimate how much your claim may be worth. 

Do you help commercial property owners with Hurricane Ian claims?

Yes, commercial property owners, like homeowners, have the right to file a claim for hurricane damages. The process might be more complex due to the nature and value of commercial properties. Legal guidance from a JT Law Firm attorney can help you understand your policy, evaluate your damages, and negotiate a fair settlement.

Hurricane Damage Consultation

Where can I find a Hurricane Insurance Claim Lawyer?

Securing legal representation can significantly enhance your chances of successfully filing a hurricane damage claim and receiving a high payout for your damage. A hurricane insurance claim lawyer specializes in this field and can guide you through the complex process, ensuring you have a fighting chance to receive a high payout. 

The insurance company will have a team of lawyers deployed to fight against your claim; you should have your own formidable team fighting for you. 

Schedule your complimentary discovery call. Call us at 855-585-2997.

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