Experiencing property damage can be devastating. Replacing the damaged property isn’t easy, and that’s why homeowners are advised to have insurance. The insurance policy is crucial and covers hazards including storms, theft, vandalism, and natural disasters. It protects you; if someone is hurt on your property and also provides financial protection against the property damage. Florida is prone to winds and hurricanes that are a threat to most homeowners. Below are the leading causes of property damage in Florida.
Roofs are damaged by storms, hail, falling trees and hurricanes. In such a situation, the property owner is compensated fast where the roof is replaced entirely. At times, insurance firms deny settling roof damage claims due to the following reasons:
- What caused the roof damage isn’t covered in the insurance policy
- Aged roof
- The insurance company claims that the damage was your fault due to lack of maintenance.
- Insurance firms claim that your roof can be repaired instead of being replaced.
Hurricane and Wind Damage
Strong winds and hurricanes frequently occur in Florida and damage property worth lots of money. The state of Florida has set several rules regarding hurricane coverage. Homeowners must follow specific steps to ensure that their property is protected in case of a hurricane, but they still experience losses. Hurricanes cause excessive damage that give insurance firms and contractors a hard time. At times the insurance companies deny compensating for the hurricane damage and claim that it is normal wear and tear.
Fire damage can be extensive and costly to repair. When firefighters put off the fire, you also experience water damage. There are also additional expenses as you have to look for a temporary place to live while your home is being repaired. The soot, smoke, and water may require the insurance company to settle a considerable claim. However, the claim is complicated because the fire damage contributed to water damage.
Water damage can be caused by rainwater or a burst pipe. It can cause lots of damage, including rusting of steel, rotting of wood, mold build-up, and staining walls. Insurance firms cover water damage from a leaking roof or a burst pipe but not flood damage. Water that flows from the ground to the house isn’t considered covered in the insurance policy. Homeowners in Florida should ensure to have flood insurance because it’s a high risk.
When hail hits, it damages vehicles, sidings, gutters, asphalt shingles and roofs. If not closely monitored, it’s hard to realize the damage caused. Hail damage on the roof doesn’t appear extensive and Insurance companies downplay it. Most insurance companies compensate for repairs instead of replacements. Property damage attorneys can help homeowners to calculate the extent of the damage and get fair compensation from their insurance companies.
Experiencing property damage can be stressful and frustrating to the homeowner despite how small it is. The challenge is that most insurance companies undervalue the damage and deny to pay or pay less compensation. Property damage attorneys help by negotiating with the insurance companies so that homeowners can get a reasonable settlement. Your legal rights need to be always protected.
THE ONE YOU WANT – The Law Offices Of Chad Nolan Horowitz, P.A is the law firm for the best property damage attorney in Boynton Beach. Getting you the compensation you rightfully deserve.