As any Florida homeowner is aware, wind damage is a seasonal threat that can never be ignored. After hurricanes and other heavy storms, property damage due to high winds is usually a large part of the immediate aftermath. This is why homeowners often look to their insurance companies to cover their losses. Unfortunately, obtaining such compensation from insurance carriers is often easier said than done.
Hiring a Fort Lauderdale property damage lawyer may be your best option when your carrier delays or denies coverage for wind damage. While you may not know the intricacies of insurance and the legal system, the right attorney will. That attorney can put that knowledge to work for you.
Wind Damage Coverage in Florida
When property damage is clearly caused by high winds, there is typically not much of a coverage dispute in Florida. Under Florida law, homeowners insurance policies must cover property damage caused by wind. This is the good news – wind damage will not come under an exclusion in coverage, as would likely be the case for flood damage.
The bad news? Insurance companies often dispute whether property damage was actually caused by wind.
For example, storms can cause water damage through both wind and rain. But if the home was flooded, was the damage caused by the wind or the rain? Perhaps the home’s interior was opened to the elements by an uprooted tree or downed electrical pole that fell on the home. But if the home suffered water damage through the resulting opening, is this covered wind damage or uncovered flood damage?
It is easy to see how insurance companies can seek to minimize or deny coverage for wind damage. The question is what homeowners can do in response.
How We Can Help Recover Your Damages
A well-qualified Fort Lauderdale property damage attorney can make all the difference in obtaining compensation for wind damage from your insurance company. Consider the following steps your attorney can take.
- Case Analysis: Your attorney can analyze your policy and the facts of your water damage, carefully assessing whether you have a legitimate claim to coverage.
- Deal with Your Insurance Company: Your lawyer can also assume responsibility for all communications with the insurance company, as well as the claims process itself.
- File a Lawsuit: If legal action is necessary to obtain the full coverage you deserve, your attorney can file the lawsuit, collect all the evidence you need, and take your case to trial if necessary.
Consult with a Fort Lauderdale Property Damage Attorney at the Maus Law Firm
If you are a Florida homeowner having difficulty obtaining insurance compensation for wind damage, you should consult with a Fort Lauderdale property damage attorney at the Maus Law Firm. We know how to assess coverage issues, handle insurance disputes, navigate the legal system, and fight for your rights. Contact Maus Law today to schedule a free consultation.