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Are You Prepared for Next Year’s Hurricane Season?

Greenberg, Stone & Urbano Discusses Your Hurricane Insurance Policy

After 10 years without a single hurricane-making landfall in Florida, hurricane Hermine broke the streak when it hit Florida as a Category 1 hurricane near the Big Bend area.  The storm brought heavy wind and rains, knocking out power and inflicting widespread damage.  One person was killed in Marion County while storm damage caused damage to several homes.  Not longer after Hermine cleared the state, Hurricane Matthew formed and turned towards the state of Florida.  Matthew reached a Category 5 storm before making landfall, the first storm to reach these wind speeds since 2007.  Matthew left much of the east coast with power outages, flooding, and damages.  While the storm fortunately turned slightly out to sea, it  left lasting damages in many areas.

At Greenberg, Stone & Urbano, our Miami homeowners’ insurance lawyers know that hurricane season is a time of stress for many Floridians. Bracing for a hurricane is stressful, and worrying about your property in the event of a storm can add far more anxiety. As a Florida homeowner, it is imperative that you obtain the coverage you need to protect yourself in case a hurricane strikes. 

Hurricane and Flood Insurance in Florida

Florida is considered a risky state for hurricanes and flood damage.  As such, homeowners’ insurance policies in Florida will generally exclude damage caused by hurricanes or floods.  Hurricane and flood insurance policies can be purchased separately and you will be able to select a plan based on the cost of the deductible, along with other factors.  While adding these coverages will come at an additional expense, homeowners in Florida should strongly consider purchasing hurricane and flood insurance.  As we learned this past hurricane season, hurricanes can strike at any time and being unprepared could cost you greatly.

The Aftermath of a Hurricane

If a hurricane strikes your home, you will want to follow some basic steps to ensure your hurricane or flood instance claim is accepted.  Homeowners’ are advised to:

  • Contact your insurance company to report any damages
  • Take pictures or video of the damage
  • Make a listed of destroyed personal property
  • Make emergency repairs to prevent further damage, but do not make permanent repairs until an adjuster has come out to the home
  • Do not throw away damaged property until the adjuster has documented it
  • Keep receipts for any emergency repairs
  • Attempt to find receipts for any damaged property

For help with your hurricane-related insurance matter, contact our South Florida homeowners’ insurance lawyers at Greenberg, Stone & Urbano as soon as possible.

Contact the South Florida Homeowners’ Insurance Attorneys at Greenberg, Stone & Urbano Today to Schedule Your Free Consultation!

Hurricanes can inflict massive damages.  If you do not have hurricane insurance, you could be stuck with significant losses.  Even those with coverage may struggle to have their hurricane-related losses covered.  For assistance with your hurricane insurance claim, contact the Miami Homeowners’ Insurance Lawyers at Greenberg, Stone & Urbano.  Our experienced attorneys assist homeowners like you across the state with your insurance claims.  At Greenberg, Stone & Urbano, we bring over 130 years of combined professional experience to your case.  We will diligently fight to see that our insured clients obtain the coverage for their claims that they deserve.   Our firm received the honor of receiving an AV rating from Martindale-Hubbell and we were named a Top South Florida Law Firm by the Miami Herald.  Call us today at (888) 499-9700 or (305) 595-2400 to schedule your free consultation.  You can also contact us online.

 

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