When your home is damaged by a hurricane, the last thing you expect is to have your insurance claim denied. Unfortunately, this is a frustrating reality many Florida homeowners face.
Insurance companies are quick to collect premiums but often slow to pay out—especially when the damages are severe and widespread. At JT Law Firm, we work with homeowners across Florida who are shocked to find their valid hurricane claims denied, delayed, or underpaid.
What are some common reasons for hurricane claim denials in Florida?
- “Pre-Existing Damage” Insurers may allege that the damage was already there before the storm hit. If you don’t have visual proof of your property’s condition before the hurricane, this becomes harder to fight, but there are still options we can pursue for you.
- Policy Exclusions Many standard homeowners insurance policies exclude flood damage, and some may exclude damage caused by wind-driven rain. Understanding what your policy includes is critical when filing an insurance claim.
- Missed Deadlines Insurance companies often impose short deadlines to report damage. If you wait too long to file or respond to document requests, they may use that as grounds for a denial.
- Inadequate Documentation If you don’t submit detailed evidence of damage—including photos, videos, and repair estimates—insurers may say there isn’t enough proof to approve the claim.
- Disputed Cause of Damage Insurers may argue that the damage wasn’t caused by the hurricane but rather by wear and tear, poor maintenance, or a separate event.
What can I do if my hurricane claim was denied?
Step 1: Review the Denial Letter
The denial letter will explain the insurer’s reason for denying your claim. Use this as a roadmap for identifying what information is missing or disputed.
Step 2: Gather Additional Evidence and Ask For a Re-inspection
- Collect all documents related to the damage, including contractor estimates and inspection reports.
- Take clear, date-stamped photos and videos of the damage.
- Request a re-inspection if key areas were missed the first time or if new evidence comes to light.
Step 3: Don’t Panic—Get Legal Help
You have the right to dispute your insurer’s decision. JT Law Firm can review your policy, gather reports, and communicate directly with your insurance provider. If your claim isn’t resolved fairly, we’re ready to pursue litigation if needed.
How JT Law Firm Helps You Fight Claim Denials
- Thorough Policy Review: We analyze the fine print to ensure your claim aligns with your coverage.
- Independent Inspections: Our team coordinates professional inspections to validate the true cause and scope of damage.
- Aggressive Negotiation: We challenge denial decisions and push for full compensation.
- Litigation Support: If the insurance company refuses to do the right thing, we won’t hesitate to take them to court.
Insurance Companies Aren’t on Your Side
Insurance providers are for-profit businesses. The fewer claims they pay out, the higher their profits. Many homeowners accept lowball offers or give up after a denial because they don’t realize they have options. You do.
Your Next Step – A free claim review with a JT Law Firm property damage lawyer.
Don’t let a claim denial leave you footing the bill for hurricane damage. At JT Law Firm, we offer free claim reviews and don’t charge any fees unless we win your case.
Call us at (855) 585-2997 or Schedule your free claim review using this link.
