If your property suffered damage from wind, water, flooding, fallen trees, or other storm-related issues, you are likely counting on your insurance coverage to provide the money needed. Your insurer should pay for repairs, replacement of damaged contents, and other related expenses. If you encounter a problem with this process or need help, the Estero storm damage lawyers at GED Lawyers are here for you.
An Estero property damage lawyer knows how to get insurance companies to pay for damage from a covered event. We have handled storm and hurricane damage claims for clients since 1995. Contact us today for your free initial case consultation.
Our Estero Storm Damage Attorneys Know How Property Damage Insurance Works
Property damage insurance policies are more complicated than many policyholders realize until the time comes to file a claim. Understanding your coverage, exclusions, and how to navigate the claims process is essential—especially when a large storm causes widespread damage, and your insurance company tries to protect its bottom lines.
Our Estero personal injury lawyers review and analyze insurance policies and help our clients better understand their coverage after a storm. Some types of coverage we often encounter include:
- Wind damage: Generally, property damage policies cover damage from fallen trees, debris, and other items blown over by the wind.
- Water damage: When water causes damage because of a hole in your roof, burst pipes, or similar issues, it likely falls under your homeowner’s policy coverage.
- Flood damage: Flood damage, whether from flash flooding, run-off, or storm surge, requires a specific policy. Your homeowner’s insurance will not cover these damages. If you live in a flood plain or near the Gulf Coast, you should carry this type of coverage.
- Hurricane damage: Some property owners carry specific hurricane insurance policies that cover damage done by wind and rain from named storms. This coverage is critical if your homeowners’ policy excludes hurricane damage.
What Types of Damage Should My Homeowners’ Policy Cover?
When a covered event occurs, these policies should pay for:
- Roof damage
- Damage to windows and doors
- Foundation issues
- Interior damage, such as drywall and flooring
- Loss of personal property inside the structure
Most homeowners’ policies and some rental insurance also cover loss of use, which provides money for various needs when you cannot stay at your damaged home, such as a hotel room or renting a temporary space, necessities, travel costs, food costs, and more.
What Will My Commercial Property Policy Cover?
Commercial property damage policies typically cover the cost of repairing the structure and replacing some items. However, you might need separate policies to ensure you have complete coverage for your losses. For example, business interruption insurance pays for lost income while your business is closed due to storm damage.
Let Our Estero Storm Damage Attorney Represent Your Best Interests
At GED Lawyers, our lawyers know how to deal with insurance companies. We handle significant property damage claims every day based on many types of policies and coverage. We will:
- Analyze your coverage
- Prepare and file your claim
- Document your damage
- Manage communication with the insurance carrier
- Determine the value of your claim
- Negotiate to recover the compensation you need
We handle claims based on homeowner’s insurance, renter’s insurance, and commercial property damage policies. With our team on your side, you can focus on getting on with your life. We will fight for the money you need on your behalf.
We Provide Access to Legal Representation at No Upfront Cost
Our team aims to be available when our clients need us and provide equal access to legal representation regardless of your economic status, language, or country of origin. We are available for evening and weekend appointments and have team members who can talk to you in Spanish, Arabic, Creole, Greek, Portuguese, Russian, or Turkish.
We work based on contingency in most property damage cases. You pay us nothing unless we win. Contact us today for a free consultation to learn more about working with a law firm with a history of winning.
Our Estero Lawyers Know How to Fight Storm Damage Claim Issues
Our attorneys know how difficult it can be to navigate the claims process and get money for your losses after significant storm damage. While you trust your insurance company to uphold its end of the policy when damage occurs, it does not always work that way. An adjuster could use tactics that make it difficult to get the money you need and deserve.
Examples of issues our attorneys can help you navigate include:
- Unreasonable delays
- Denials of covered damages
- Disputing that the damage occurred from a covered event
- Lowball offers
- Asking you to document your lost contents in impossible ways
When you run into a problem with your storm damage claim, reach out to our team. We will ensure you understand your entire range of covered repairs, expenses, and losses. We also take over managing your claim, stopping additional delays and unreasonable offers. We can even challenge a denial.
Let Our Team Communicate With Insurance Adjusters
Our lawyers will handle communication with the insurance company, fighting tactics to decrease your payout, and battling for the money you deserve. We will take the necessary steps to estimate the cost of:
- Any necessary structural repairs caused by the storm
- Any needed cleanup, removal, or remediation
- Replacing your personal belongings
- Relocating while your structure undergoes repairs
We can file your claim and handle all aspects of your property damage claim. Partnering with GED Lawyers from the start dramatically reduces the chance of encountering issues with your claim, including delays or denials.
Talk to Our Estero Storm Damage Insurance Claim Team for Free
GED Lawyers offers free consultations for families and individuals whose property endured damage from a storm. Our Estero storm damage lawyer can help you understand your options and manage your claim, freeing you to recover from the storm’s effects. We are here when you need us, including nights and weekends. Contact us today for your free consultation.
