Thus far, 2016 has been an active year for tornadoes. Tornadoes have touched down across Florida and in other parts of the country. This rash of tornadoes and severe storms may have many homeowners wondering whether their homeowners’ insurance will protect them in the event a tornado inflicts damage. Homeowners should take this time to review their policy and assess whether they have the coverage they need in the event of a tornado.
At Greenberg, Stone & Urbano, our Miami homeowners’ insurance lawyers have assisted several clients with their tornado related damage claims. We understand that tornadoes can inflict considerable damage to your home or business. You will need your insurance company to honor your claim in order to repair or replace your damaged property. We fight for the rights of the insured across South Florida, helping you rebuild after the storm.
Tornado Damage is Generally Covered under Homeowners’ Insurance
Unlike hurricanes and floods, which require separate policies, tornadoes are typically covered under your standard homeowners’ insurance policy. This means that most Floridians who suffered damage due to recent tornadoes will have some degree of coverage, which is great news for homeowners across the state. However, coverage does not necessarily equate to full coverage for your losses.
Tornadoes can inflict extensive damage. These massive storms whirl through and rip off roofs, send trees into buildings, break windows, allow rainwaters to destroy the interior of homes, and much more. Some homes will be entirely destroyed in the event of a tornado, while others will sustain costly damage.
The problem arises when homeowners do not have sufficient coverage on their home to cover the considerable tornado damage. Many homeowners across Florida carry insufficient coverage to rebuild or replace their home in the event of catastrophic damage. Homeowners will need to annually review their policy limits to ensure that in the event of a total loss, they have sufficient coverage to rebuild entirely.
Steps to Take After a Tornado
If your home has been damaged by a tornado, it is important that you contact your insurance company as soon as possible. Prompt notice is imperative following damage to your home and a failure to timely notify your insurer could result in denial of your claim. You should take steps to remedy any condition on the property that will lead to further damage, but do not make other repairs until the insurance company has come out to assess the damage. Take thorough pictures of the damage, including any personal property within the home that suffered damage in the storm.
Your next step will be to consult with a licensed homeowners’ insurance attorney who can assist you in obtaining complete coverage for your claim. You can rebuild after the storm with the help of a knowledgeable attorney who will assist with your action.
Contact the Homeowners’ Insurance Attorneys at Greenberg, Stone & Urbano Today For Your Free Consultation!
If you need assistance with a homeowners’ insurance related matter, contact the Miami Homeowners’ Insurance Attorneys at Greenberg, Stone & Urbano. Our skilled and dedicated attorneys will guide you towards the best possible outcome. We have over 130 collective years of experience representing homeowners against their insurers across South Florida and will put our extensive experience to work for you. Contact our firm as soon as possible to protect your legal rights. Our firm received an AV rating from Martindale Hubbell and was ranked as a top firm in South Florida by the Miami Herald. Call us at (888) 499-9700 or (305) 595-2400 or you can visit our website to schedule your initial consultation.