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FAQ’s About Florida Hurricane and Windstorm Claims

With hurricane season rapidly approaching, Florida homeowners likely have several questions concerning their hurricane and windstorm insurance coverage. The following is a list of frequently asked questions about hurricane and windstorm claims, intended to provide you with an initial understanding of some vital facts about this special insurance coverage.

What should I do if my home or business has been damaged by a hurricane or windstorm?

Immediately contact our Miami homeowners’ insurance lawyers, so we can notify your insurance carrier of any damage due to a hurricane or windstorm, as the failure to provide timely notice can block or hinder your claim. Next, take photographs of the damages.
Will my living expenses be covered while my claim is being investigated or my home is being repaired?

Living expenses are usually covered by your homeowners insurance policy. This can include lodging, clothing, food, and necessities for a designated period of time, or up until a certain amount of time set forth in your policy, while your claim is being adjusted or your home repaired or rebuilt.

Flood water did not enter my home, but it sustained water damage. Will this be covered?


If your policy provides coverage for water damage, and water entered the home through any sort of damage to the property, then your policy should cover it. Always consult with an attorney, whether your claim has been paid or denied.
How long does the insurer have to repair my house?

The insurance company is not obligated to repair your house. Most of the time, the insurance company will send a field adjuster to your home to evaluate your damages. Subsequently, the insurance company will pay the claim, elect to repair the damages themselves or deny the claim. In Florida, the insurance company has 90 days to pay or deny a claim.

Do I have to provide the insurer with the personal information and documents they are requesting?

Always consult with an attorney before submitting any documentation to the insurance company. Nevertheless, it is always best to cooperate with the insurance company. Furthermore, an insured has a duty to provide the insurance company with any information in his possession relevant to the claim and requested by the insurer.

The insurer is requesting I provide a sworn statement. Do I need to make myself available for such a statement?

The insurance company has the right to investigate your claim, and requesting a sworn statement is within their rights. You will need to attend and answer questions under oath. However, it is always advisable to have an attorney present with you during this important step in the claims process.

Greenberg Stone and Urbano: Miami Homeowners Insurance Lawyers Fighting for Justice

A home is one of the most important and expensive purchases that a person can make. In addition to the fact that insurance is a required component of obtaining and keeping a home mortgage, it also is the safety net for any repairs or rebuilds that might be necessary after a devastating event. When a claim is denied, a homeowner may feel that he has nowhere to turn, but the skilled homeowners’ insurance attorneys at Greenberg Stone and Urbano have more than 120 years of combined experience in getting justice for homeowners. Our dedication to our clients has led to an “AV” rating from Martindale Hubbell, and it is why we have been asked to join Primerus, an international society of leading law firms. Moreover, the Miami Herald voted us as one of the top-rated South Florida law firm, and, we have earned the title of “Superlawyers,” designating us as being among the best lawyers in America. We want to put this dedication to work for you, so call us at (888) 499-9700 or (305) 595-2400 or visit our website to schedule an initial consultation.

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