Homeowners & Condo Associations
Virtually the entire State of Florida was impacted by Hurricane Irma, causing massive property damage in the Keys, Marco Island, and Naples and severe damage in many other communities.
Hurricane Irma resulted in a huge volume of insurance claims, stretching insurance company resources and resulting in many out-of-state independent adjusters coming to Florida to adjust claims. Many homeowners and condominiums associations are simply trying to get a return phone call or letter from their insurance companies, much less a proper adjustment of the claim that results in them receiving what is owed under the policy.
Your Insurance Company Should Be Helping You, Not Hurting You
Your property was damaged by Hurricane Irma. Your insurance company should be keeping its promises and helping you, not hurting you again. Many property owners are having difficulty just getting a response from their insurance companies. Your home or condominium building may have more damage that is covered under the policy than you realize including, interior water and mold damage.
Whether your claim was wrongfully denied, underpaid, or just plain ignored, our attorneys can help. We’ve handled thousands of insurance claims and we understand the unique issues presented by hurricane damage claims.
What Is Covered Under Most Homeowners Insurance Policies
Not only is your home or “dwelling” and contents covered, but most policies also provide for “loss of use” benefits, which provides funds for “additional living expenses” or “loss of rents” to relocate the resident while the home is damaged and while repairs are completed. Coverages for “debris removal” and required code upgrades are also often included.
Condominium Claims Involve Multiple Insurance Companies
Our team of hurricane attorneys is experienced in representing both condominium associations and unit owners in insurance disputes. Commercial residential claims involve a master policy that covers common elements of the building and each unit owner may have their own separate insurance policy for the wall, ceiling and floor coverings inward—including all cabinetry and contents. Flood insurance may also be involved.
If you are still fighting with your insurance company to get what you are entitled to under your condominium insurance policies, our experienced team of property insurance lawyers can help. Coordinating a credible and experienced team of experts, including contractors and engineers, to evaluate the damages is critical in condominium insurance claims. Wind damage to common elements such as the roof often results in water and mold damage to interiors such as drywall, floor coverings, cabinetry and contents.
Unit owners may be entitled to “loss of use” benefits, which provides funds for “additional living expenses” or “loss of rents” to relocate the resident while the unit is damaged and while repairs are completed.
Our Representation Could be Free
If your insurance company is still giving you the run-around on your Hurricane Irma claim, you have nothing to lose by contacting our team of experienced hurricane attorneys for a free, no-risk case review and a second opinion. If we win, we may even be able to force the insurance company to pay all of our fees and costs. If we lose, there is no charge and our work is free.