What to Do if Your Hurricane Helene Insurance Claim Was Denied or Underpaid

As Floridians, we know how devastating hurricanes can be. Unfortunately, navigating the insurance claims process after a major storm like Hurricane Helene can add another layer of stress and frustration. If your hurricane damage insurance claim was denied or underpaid, it’s important to understand why this happened and what you can do to challenge the insurer’s decision.

1. Common Reasons for Denied or Underpaid Hurricane Damage Claims

There are several reasons why homeowners insurance companies may deny or underpay hurricane damage claims. Some of the most common include:

• Pre-existing Damage: Insurers may argue that the damage was not caused by Hurricane Helene but was instead due to a pre-existing condition.

• Policy Exclusions: Your homeowners insurance policy may have exclusions that limit or eliminate coverage for certain types of damage, such as water intrusion or mold.

• Failure to Mitigate: If the insurer believes you did not take reasonable steps to prevent further damage after the hurricane (such as installing a tarp over a damaged roof), they may deny your claim.

2. Steps to Take if Your Hurricane Insurance Claim Was Denied or Underpaid

If your claim was denied or if the settlement offer is not enough to cover your losses, take the following steps:

• Request a Detailed Explanation: Ask your insurer for a detailed explanation of why your claim was denied or why they offered a lower amount. This information can help you identify any errors or misunderstandings.

• Review Your Insurance Policy: Carefully review your homeowners insurance policy to understand what is covered and what is excluded. Pay special attention to any endorsements or riders that may affect coverage.

• Get a Second Opinion: Consider having your property inspected by an independent adjuster or a public adjuster who can provide an unbiased assessment of the damage and the cost of repairs.

3. How a Florida Property Damage Attorney Can Help

An experienced Florida property damage attorney can help you challenge a denied or underpaid claim by:

• Reviewing your policy and the insurer’s decision to determine whether it complies with Florida law.

• Gathering evidence, including expert opinions, to support your claim.

• Negotiating with your insurer to reach a fair settlement.

• Filing a lawsuit if necessary to ensure your rights are protected.

4. Don’t Let the Insurance Company Take Advantage of You

Insurance companies are businesses, and they often prioritize their bottom line over providing full compensation to policyholders. Don’t let them take advantage of you. If you’re facing resistance from your insurer after Hurricane Helene, contact our firm for a free consultation. We have a proven track record of helping homeowners and business owners recover the compensation they deserve after natural disasters.

A denied or underpaid insurance claim can be overwhelming, but you don’t have to face it alone. Our firm is dedicated to fighting for the rights of policyholders across Florida. If you’re struggling to get fair compensation for your hurricane damage, reach out to us today. We’re here to help you every step of the way.