If your Naples, FL, property suffered significant storm damage, you may be filing a property damage claim or have already begun this process. Our Naples storm damage lawyer is here to help you when you need us. We help our clients secure money for repairs, replacement of damaged items, and other related expenses.
We have been fighting for our clients’ best interests since we opened our doors in 1995. A Naples property damage lawyer can help you pursue the payout you need and deserve based on your insurance policies and available coverage.
Enlist the Help of Our Naples Storm Damage Attorney When You Run into a Problem
Getting the money that you need and deserve through the insurance claims process is not always easy. Insurance companies want to pay out as little as possible, especially when a storm causes widespread damage. However, your insurance policy is a contract with the company.
Your end of the deal is to pay your premiums and cover any deductibles. In exchange, the insurance company promises to pay for included damages when they occur because of a covered event. When they try to reduce or deny your claim, you must fight to get the money you deserve.
Some ways the insurance company could make it difficult to get the money you deserve include:
- Denying claims that should be paid
- Purposefully delaying claims
- Undervaluing repair costs to reduce the total payout
- Making low-ball offers and telling policyholders they cannot go any higher
- Disputing the cause of the damage, saying it was not a covered event
- Saying your policy does not cover the repairs or the types of damage that occurred
- Refusing to investigate the damage claim
If you encounter any problem with your claim, reach out. Working with our lawyer will ensure you understand your coverage, the recoverable damages in your case, and what needs to happen to recover fair compensation. Our Naples personal injury lawyers are here to manage your claim for you and secure the payout you need and deserve.
Our Lawyer Will Analyze Your Naples Storm Damage Insurance Coverage
Many property owners are not sure about their property damage insurance coverage. They do not know whether their insurance company is offering them compensation for all their covered losses or not.
When we represent a property owner after a serious storm, one of the first things we will do is review their insurance policies to better understand the coverage available. We can assess:
- Covered events
- Coverage provided
- Deductibles
- Policy limits
- Exclusions
Each policy is unique, so you could have significant exclusions you were unaware of.
In general, most property damage policies cover:
- Structural repairs
- Replacement of personal property
- Other expenses
Most policies also cover many of the costs related to needing to stay elsewhere during repairs. Some renter’s insurance policies cover these damages as well. However, renter’s insurance typically does not cover repair costs. They leave these expenses up to the property owner.
Covered events will depend on the type of coverage available. After serious storm damage, the types of policies we often review include coverage for:
Wind and Water Damage
Wind damage often causes significant problems in storms. It can sling debris into windows or walls, knock trees into fences and homes, and cause serious roof damage on its own. Once there is a hole in a roof, window, or wall, the rain can get inside and cause even more damage.
Wind and water damage are generally covered by homeowner’s insurance. This policy also causes damage caused by lightning in most cases.
Flood Damage
Flooding is incredibly destructive. According to the Federal Emergency Management Agency (FEMA), just an inch of water inside your Florida home could cause up to $25,000 in damage. And it’s not covered by your homeowner’s insurance coverage. For coverage of water damage caused by flash flooding, storm surge, mudslides, runoff, and similar disasters, you must purchase a separate flood policy.
Our attorneys can file any type of storm damage claim for you or help you get a fair payout based on your policy. This includes claims based on:
- Renter’s insurance
- Commercial property damage coverage
- Homeowner’s insurance
- Flood insurance
- Hurricane insurance
Our attorneys know how property damage claims work and what it takes to document damages and secure fair compensation based on your coverage. We can help you catalog your losses, get estimates for repairs, and take other steps to get the money you deserve.
Trust Our Naples, FL, Property Damage Attorney With Your Case
At GED Lawyers, we are here when you need us the most. We even offer weekend and evening appointments to ensure you can talk to our team and get the help you need when you have the time. We can manage your storm damage claim from start to finish or pick it up where you run into issues getting the money you deserve.
We believe everyone deserves access to legal counsel when their insurance company isn’t treating them fairly. This includes those who do not have the money to pay a retainer or other upfront fees or costs. This is one reason why we handle most of these cases based on contingency. Our clients never have to pay us unless we win their case for them.
We will happily answer your questions and review your case during a free consultation with our team.
Discuss Your Naples Storm Damage With Our Legal Team for Free
GED Lawyers have someone available to review your case and offer guidance and advice. We provide free initial consultations so you can learn how our Naples storm damage lawyer can help deal with the insurance company and secure the compensation you need and deserve.
Contact us for your free consultation today.
