As hurricanes threaten homeowners in Florida, many people are taking a closer look at hurricane insurance. Whether they already have this insurance or are purchasing a policy, many factors come into play regarding not only what damages will be covered, but also the timing of when a policy goes into effect. If you have concerns about why an insurance company may be refusing to pay for hurricane damage to your property, contact Miami FL insurance lawyers at Buchalter Hoffman & Dorchak.
Hurricane Deductible
In states such as Florida, insurance companies can require a hurricane deductible higher than the standard of five percent. While this results in lower premiums, it can also pose difficulties when filing a claim. If differences emerge between you and your insurance company, consult with an insurance law firm in Miami that has experience handling these cases.
Wind Damage
To have an insurance company pay for wind damage from a hurricane, they often require data from the National Weather Service or National Hurricane Center regarding specific wind speeds. Unfortunately, conflicts often arise in these situations, which is why it is crucial to work with an insurance law firm in Miami that can negotiate with insurance companies on your behalf.
Flood Damage
To ensure your home is covered from flood damage in a hurricane, you will need a separate policy from the National Flood Insurance Program. Otherwise, you may find your insurance company paying to remove downed trees, but not for water damage inside your home.
Purchase Ahead of Time
If you wait to purchase hurricane insurance only a few days before a storm hits, it will not go into effect in time to help you. Therefore, always plan ahead when purchasing hurricane insurance.
If you find yourself in a dispute regarding hurricane insurance coverage, schedule a consultation with Miami FL insurance lawyers at Buchalter Hoffman & Dorchak.