Wind Damage

Our Wind Damage Attorneys Can Help You Deal With Your Property Insurance Claim

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Understanding Wind Damage Claims In Florida

Florida residents and homeowners can experience sometimes many seasons in one day, and yet almost always, we have some sort of wind element in our weather conditions.  When winds exceed certain velocities, they can cause severe damage to your home.

If you have experienced wind damage to your home, and feel like you need to open an insurance claim with your homeowners insurance provider, contact a property damage attorney before you do to get the MOST out of your claim.

Contact one of our Florida Property Damage Attorneys to get a free review of your claim or help starting a new wind damage claim.

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What steps should I take if 
I need to file a wind damage claim?

Here are four steps that are recommended to any homeowner who experiences wind damage:​

  1. As soon as the dust settles, gather photographic evidence of any damages that occurred during the storm. Access to photos of your property prior to any potential damaging winds is beneficial for a strong claim. 

  2. Make sure to note any and all property damages. Things to keep an eye out for include exposed entryways and any places that are vulnerable to wind damage. In doing so, temporary repairs may be required for additional protection. If this step is taken, tracking the costs of said repairs will be essential for your property damage claim.  

  3. Complete your wind damage claim as soon as you are able. During this process, an independent adjuster or insurance representative will likely visit your property to assess the damage. Don't forget to keep record of any correspondence or written damage assessments that were completed between you and the insurance company. 

  4. You may want to consider hiring a damage assessment expert or public adjuster view any windstorm damage done to your property. A second professional opinion is advised, in that the independent adjuster's estimate may differ from a public adjuster. With an alternate opinion, more money may be allocated towards your wind damage claim.

Contact one of our Florida Property Damage Attorneys to get a free review of your claim or help starting a new wind damage claim.

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Different Types Of Wind Coverage

With a policy that covers wind damage, the type of coverage you can expect to receive falls under two main categories. 

  1. Dwelling Coverage: This serves to protect the structure of your home. For example, dwelling coverage covers repairs for your home's windows, roof, siding, and more! 

  2. Personal Property Coverage: This helps with the cost of replacing any personal items affected by wind damage in your home. It is important to note that each type of protection may contain a limit on the amount your insurer will cover. 

Contact one of our Florida Property Damage Attorneys to get a free review of your claim or help starting a new wind damage claim.

Are there any exclusions for wind damage coverage in my homeowners policy?

Depending on your homeowners policy, different exclusions may be included. Oftentimes, an exclusion will arise questioning whether or not the property damage was caused by wind. Insurers may make an effort against your claim, and instead note the damage as a result of anything but wind: poor maintenance, wear and tear, defect, etc. In this case, a public adjuster's assessment of your wind damage will be useful.

Contact one of our Florida Property Damage Attorneys to get a free review of your claim or help starting a new wind damage claim.

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When Should I Hire A Wind Damage Attorney?

If you've been a homeowner in Florida for any length of time, chances are you already have, or will need to file a homeowners insurance claim at some point. One important question when it comes to filing a homeowners insurance claim is "When do I hire a lawyer for an insurance claim?"

If your home has been damaged and you need to file a homeowners insurance claim in Florida, we suggest contacting an insurance claim attorney, before you ever contact your homeowners insurance provider. A seasoned insurance claim attorney can help you through the homeowners insurance claims process and ensure you provide the right information to your insurance provider. Not providing enough, or providing too much information, can sometimes hurt your insurance claim. A knowledgeable Florida Property Damage Or Insurance claim attorney understands the insurance industry's jargon, and their bottom line. Hiring an insurance claim attorney to file your homeowner insurance claim ensures your claim is submitted with your best interest and outcome in mind.

For more helpful information on wind insurance please visit FEMA's National Wind Insurance Program website.

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Hire A Wind Damage Attorney And Get Help With Your Claim

If you need specific legal advice on whether to purchase flood insurance for your Florida home, or simply need help with your open water damage claim, contact Florida Property Damage Attorneys. Florida residents deserve proper advice when protecting one of their biggest investments and a Florida insurance claim attorney at Florida Property Damage Attorneys will be happy to discuss your situation with you.

 

Our home office is in Tallahassee, Florida, but we serve homeowner insurance claim cases all over the state of Florida. Give us a call today at 850-788-7272 to schedule a consultation to discuss your homes unique situation.