Claim Help Lawyers

Navigating Florida's Roofing Laws - Repairs vs. Replacement After a Hurricane

2024-06-20

The aftermath of a hurricane can be a daunting experience for a Florida homeowner, especially when it comes to assessing and addressing your home’s roof damage. In 2024, understanding what your property insurance covers and navigating the state's roofing laws is crucial to ensure your home is properly protected and repaired.

The 25% Rule Change

One of the most significant changes in Florida's roofing laws is the modification of the 25% rule in 2022. Previously, if a roof sustained damage exceeding 25% of its total area, insurance companies were required to pay for a full roof replacement. However, the new law provides if the roof is in compliance with the requirements of the 2007 Florida Building Code (or newer) and it can be repaired, as discretionary to the carrier, a roof replacement amount is not required to be paid by insurance company for the damages, even if you choose to have the roof replaced instead of repaired.

Prior to this law change, if your roof was damaged at 25% or more of the roofing system by a covered peril the carrier would be obligated to pay for the full replacement (depending on your policy terms and conditions being met). This change has sparked debates and concerns among homeowners and contractors. While it may provide cost savings for insurance companies, it could also lead to patchwork repairs that compromise the integrity and longevity of the roof, as well as the aesthetics.

Roof Repair vs. Replacement

When it comes to roof damage after a hurricane, homeowners often face the dilemma of whether to pursue repairs or opt for a full replacement. The decision should be based on several factors, including the extent of the damage, the age and condition of the existing roof, and the potential long-term costs associated with each option.

Roof repairs may be a viable solution for minor to moderate damage, such as missing or damaged shingles, leaks, or isolated areas of concern. However, if the damage is extensive or the roof is nearing the end of its lifespan, a full replacement may be the more cost-effective and long-lasting solution. The most important factor is whether the repair protects your property’s integrity.

Ordinance and Law Coverage

In Florida, many homeowners' insurance policies include ordinance and law coverage, which can provide additional funds to bring a property up to current building codes after a covered loss. This coverage can be particularly valuable when it comes to roof replacements, as it may help offset the costs of meeting updated roofing requirements and standards.

It's essential to review your policy and understand the limits and exclusions of your ordinance and law coverage, as these can vary among insurance providers and policies, as well as amounts.

Navigating Insurance Claims

Navigating the insurance claims process after a hurricane can be complex, especially when it comes to roof damage. It's crucial to document the damage thoroughly, including hiring a licensed professional to accurately photograph and document damages and to file your claim promptly and pursuant to the terms of your policy.

If you have a claim and you disagree with your insurance company's assessment or proposed settlement amounts, you have the right to dispute their decision. Consulting with a licensed reputable public adjuster or an attorney specializing in property insurance claims can provide valuable guidance and advocacy throughout the process. The Knoerr Law Group can help you through the entire process and assist with finding a public adjuster who can provide what is required to your insurance company.

In Florida, it's also important to be aware of the state's laws and regulations regarding insurance claims, such as the timeframes for filing and responding to claims, as well as the rights and responsibilities of both homeowners and insurance companies have changed. Florida law requires an insured to provide notice of a property insurance claim promptly after a storm. For claims resulting from hurricanes, tornadoes, windstorms, severe rain, or other weather-related events, the date of loss is the date that the hurricane made landfall, or the tornado, windstorm, severe rain, or other weather-related event is verified by the National Oceanic and Atmospheric Administration.

Protecting Your Home

Remember, prevention is key. Regularly checking for water leaks after storms and addressing any issues promptly can help minimize the risk of extensive damage during a hurricane or storm.

Key Points:

Florida's roofing laws have changed, including the 25% rule for roof damage, which allows leeway for insurance companies to accept liability for a repair instead of replacement of the damaged roof.
Homeowners must carefully evaluate whether roof repairs or replacement is the better option based on the extent of damage, age of the roof, and long-term costs.
Ordinance and law coverage in insurance policies can provide additional funds to bring a property up to current building codes after a covered loss, including roof replacements.
Documenting damage thoroughly and filing insurance claims promptly is crucial when navigating the claims process after a hurricane.
Homeowners have the right to dispute insurance company assessments and proposed settlements.

Knoerr Law Group's attorneys have over 50 years in combined experience in helping Florida property owners with the complexities of insurance claims and roofing laws. We advocate for your rights and make sure you receive the compensation you deserve.

Contact Knoerr Law Group today at 1-844-456-6377 to schedule a consultation. Let us help you through the process of repairing or replacing your roof after a hurricane, ensuring your home is fully protected.

HURRICANE SEASON STARTS JUNE 1ST - KNOW WHAT TO CLAIM FOR DAMAGES: What to Do When Your Property Damage Claim Is Undervalued by Your Insurance Company

2024-05-30

In 2023, Florida experienced two billion-dollar natural disasters due to hurricanes. As the 2024 hurricane season approaches, in ONE week, June 1st, Floridians should be prepared for the potential of property damage caused by these powerful storms.

If you suffer property damage from a hurricane or other weather event during the 2024 season, you expect your insurance company to comply with the terms of the insurance policy to fully pay the cost to place your property in its pre-loss condition. Unfortunately, even when insurers afford coverage for claims they often undervalue them and pay a fraction of the costs of restoring property. If the underpayment of valid claims wasn’t bad enough, new insurance laws in Florida can make pursuing your rights more difficult.

Although the average homeowner will requires a property damage lawyer to file the claim and comply with the conditions and understand coverages afforded in the language in the multi-page policy, endorsements, and statutes property owners would like to trust their carriers. Learn what to do if your claim is undervalued and how the experience of Knoerr Law Group will fight to get the compensation you deserve.

File Your Property Damage Claim as Soon as Possible

Recent changes in Florida law give you less time to file a property damage claim after a hurricane or other event. While most insurance policies require you to give notice of a loss and claim “promptly”, you must giver such notice of a claim or reopened claim within one year of the date of loss. Supplemental claims must be filed within 18 months of the date of loss.

Failing to follow these rules can negatively impact your ability to make a recovery on your claim or make a fair settlement harder. Knoerr Law Goup will help you navigate the complex deadlines and rules you need to follow.

Reject an Undervalued Settlement Offer

If you receive a payment or offer you believe is insufficient to repair all of the covered damage to your property, you don't have to accept it. You can demand that you are paid the full amount necessary to restore your property to its pre-loss condition, minus your deductible. To do this you will need a written list of damages to provide a demand to your carrier with photos of the damages.

Knoerr Law Group has the skill and expertise to recognize when the insurer is making an incorrect policy interpretation. We are uniquely suited to respond to the carrier’s underpayment and make the most effective demand possible.

Choose the Right Lawyer for Hurricane Property Damage

The attorneys at Knoerr Law Group have more than 50 years of combined experience helping residential and commercial property owners with their property damage claims, and the majority of the claims we have handled involve hurricane and windstorm damage. We are very proud of our success rate in obtaining favorable recoveries for our clients. Know who you are hiring for your insurance claim after a hurricane or windstorm loss or any property damage.

Schedule a consultation with Knoerr Law Group today and let us help you get the compensation you deserve for hurricane property damage.

Understanding the Impact of Florida's New Claim Filing Deadlines on Property Owners

2024-04-01

Legislative changes in Florida have significantly altered the timeline for filing property insurance claims, affecting business and property owners across the state. These owners now face the challenge of navigating new deadlines and dealing with casualty losses competently and in accordance with changes in the law. This blog post delves into the implications of these legislative changes and provides insights on how property owners can effectively manage their insurance claims to comply with the newly established deadlines.

Examining the Deadline Shifts

The state of Florida has revised the statutory deadlines for filing property insurance claims through new laws that shorten the time frame for filing a claim. Aimed at streamlining the claims process, deterring fraudulent activities, and ensuring timely settlements for legitimate claims, these statutory changes require property owners to act swiftly following an incident. The Florida statute applicable to notice of property insurance claims, Section 627.70132, provides a hard deadline for filing a claim, reopened claim and supplemental claims. A claim or reopened claim is barred unless notice of the claim was given to the insurer in accordance with the terms of the policy within one year after the date of loss. A supplemental claim is barred unless notice of the supplemental claim was given to the insurer in accordance with the terms of the policy within 18 months after the date of loss. [Note: This section does not affect any applicable limitation on civil actions provided in Section 95.11, Florida Statutes, for claims, supplemental claims, or reopened claims timely filed under Section 627.70132].

However, it must be kept in mind that property insurance policies already require “prompt notice” of a claim, and your policy requires you to provide notice based on the terms of your policy. Most are sooner than the statutory deadline. Its always best to report your claim as soon as you become aware of it. Many policies require notice to the insurance company to be given by the insured within three (3) days of a loss. Others require you report a claim within 14 days (or other specific time frame), and contain specific deadlines for submitting documents and information to the insurance company thereafter. If these deadlines are broken by you, it will cause you to fight a defense from your insurance company as you did not comply with the policy you are bound to follow.

Compliance with the claims deadlines poses a challenge because of the interplay between the insurance policy language and the relevant statute, and can be particularly hard for property owners to comply with because they may not become aware right away that their property suffered a loss. Sometimes damages and/or ensuing - lingering damage have not yet manifested your view. For these reasons, it is important to consult skilled and knowledgeable property damage law firm, such as Knoerr Law Group, for expert guidance through the maze of deadlines, duties and obligations that arise from the insurance policy and governing statutes.

Impact of Key Changes

Among the most critical adjustments is the shortened timeframe for initiating a claim after an incident giving rise to a property claim. This change compels property owners to begin their claims process as soon as possible, a daunting task for those dealing with the aftermath of property damage. It highlights the importance of a solid emergency response plan and the need for immediate consultation with a knowledgeable property damage law firm, such as Knoerr Law Group, for expert guidance.

Strategies for Success

Property owners can adopt several strategies to navigate the new deadlines successfully:

Inspect your property after an incident. If a windstorm or other event took place which could have caused damage to your property, it may be advisable to have it inspected to see if you suffered loss and damage from the event.
Document Damage Immediately: Thorough and prompt documentation of damage is crucial. Taking photographs, videos, and detailed notes is essential to support your claim.
Seek Professional Assessments: Engaging professionals to assess the damage and provide a detailed report is vital. This step is crucial for filing a comprehensive claim and preparing to address any underpayment or denial.
Consult Legal Experts: Early consultation with a property damage law firm like Knoerr Law Group can significantly influence the outcome of your claim. Their expertise in insurance negotiations and understanding of new laws can help ensure your claim is filed correctly and within the new deadlines.
Maintain Open Communication with Insurers: It's vital to keep open lines of communication with your insurance company. Documenting all correspondence and following up regularly can keep your claim on track.

Knoerr Law Group's Role

Specializing in assisting businesses and homeowners across Florida with their property damage claims, Knoerr Law Group brings an in-depth understanding of the new insurance laws and deadlines. The firm is adept at assisting property owners with the claims process, ensuring timely and accurate filings for the best possible outcomes.

Maximizing Chances for a Favorable Outcome

The revised claim filing deadlines in Florida mark a significant shift for property owners tasked with recovering from damage. Understanding these changes and implementing a strategic approach to claims can help property owners navigate the new landscape effectively. Partnering with seasoned professionals like Knoerr Law Group offers the necessary support and expertise to ensure claims are filed within the new deadlines, enhancing prospects for a successful resolution.

Navigating New Florida Property Insurance Claim Laws

2024-03-25

How Recent Florida Laws Impact Your Property Insurance Claims

Florida's landscape of property insurance laws is constantly evolving, presenting significant implications for homeowners and businesses, especially in the face of hurricanes, fires, mold, and other disasters. With this article, The Knoerr Law Group addresses the recent legislative changes in Florida and their impact on the process of filing property insurance claims, ensuring property owners are well-equipped to navigate these changes.

Legislative Changes Explained

The amendments to Florida's property insurance laws have introduced tighter deadlines and requirements for filing claims. These modifications are intended to streamline the claims process, mitigate fraud, and help stabilize insurance premiums. However, they also impose more responsibilities on property owners, highlighting the need to grasp these changes fully to avoid potential issues with getting fully paid on claim submissions.

Impact of Key Changes

Tighter Filing Deadlines: The timeframe for submitting claims has been reduced, necessitating quick action after experiencing property damage. This adjustment aims to speed up the repair and claims handling process but requires property owners to be vigilant in assessing and reporting damage promptly and precisely.
Enhanced Documentation Requirements: There is now a greater emphasis on the need for detailed documentation of damage. Property owners are expected to provide extensive evidence of the damage and necessary repairs, emphasizing the importance of capturing detailed photos and retaining all related receipts.
New Dispute Resolution Mechanisms: The legislation has introduced novel approaches to resolving disputes between insurers and policyholders. Being aware of these processes is crucial in instances where there is a disagreement over the claim's value or coverage.

Strategies for Navigating the Claims Process

With these legislative changes, property owners dealing with damage from fires, hurricanes, water losses, or other disasters to property, must follow these specific strategies to ensure their claims are filed accurately and within the stipulated deadlines. Here are essential tips for initially navigating the new claims process:

Prompt Assessment and Documentation: Immediately after any property damage, it's critical to assess the extent of damage and document everything meticulously; including before (if possible) and after photographs. This information is vital when filing your claim. File the claim prior to doing repairs to allow the carrier to inspect the damages.
Policy Familiarity: It's important to thoroughly understand the details of your insurance policy, including coverage limits, deductibles, and the new filing requirements as incorporated into the policy through Florida law.
Professional Guidance: Engaging with a property damage law firm, such as Knoerr Law Group, that specializes in Florida's insurance laws can be invaluable. Their expertise can ensure your claim meets all requirements and is processed efficiently.

The Importance of Legal Expertise

With the legislative landscape shifting, the role of legal professionals in guiding property owners through the claims process has never been more critical. Specialized law firms can provide essential support, from evaluating the validity and worth of your claim to assisting with dispute resolution. Their knowledge not only helps comply with the new laws but can also significantly increase the likelihood of a favorable claim outcome.

If you're navigating the complexities of filing a property insurance claim in Florida, let us help. The Knoerr Law Group, with its expertise in property damage law and a strong track record of advocating for Florida property owners, is here to guide you through every step of the process. Whether you're dealing with damage from a hurricane, fire, or any other claim to real property, our team is committed to ensuring you receive the compensation you deserve under the law.

Dealing With the Aftermath of Commercial Fire Damage in Florida

2024-01-23

Florida's sunny beaches and lively cities are famous worldwide, but its great climate also brings fire risks. Lately, the state has seen more fires, especially wildfires that have damaged properties. Florida ranks high for wildfire risk, together with the well-known and unfortunate fire related damages from lightning strikes, candles, fire crackers, cigarettes, kitchen fires, to name some.

This article gives a quick rundown on dealing with commercial fire damage in Florida. We'll cover unique challenges and solutions for those filing commercial fire damage claims in Florida.

The Scope of Commercial Fire Damage

Florida's wildfires are a big cause of fire damage. Climate change has made this problem worse, creating drier conditions which allow wildfires to start and spread. About 4 in 10 Florida properties face some wildfire risk.

Florida business owners, should consider the threat of wildfires as real and dangerous. In 2021, there were about 2.0 deaths and 8.7 injuries per 1,000 fires. Business owners consider liability in their businesses from patrons, employees and weather related damages. Most business owners don’t own the building. What happens then? The lease agreement is the binding document and usually states the tenant is responsible for damages to its products, machinery or loss of business use. However, it is important to consider the business loss of use, as to the interior property (ie. a restaurant). A restaurant fire puts a restaurant out of business for a long time. The product, contents, an monthly profits are all damages. Hotels, reception halls, all commercial buildings have the chance of being shut down from a wildfire or accidental fire.

In the US, over 100,000 business fires happen yearly, costing companies more than $2.4 billion annually.

After a Fire

So, a fire hits your Florida commercial property. First things first, make sure it's safe before you or your employees to step foot inside. Call the fire department to confirm when it's safe to go back in. They'll fill you in on structural integrity and any other hazards-like items that are dangerous to ingest, including smoke and the chemicals used to put the fire out.

The fire department can also give you the cause of the fire (or a fire marshall and investigator may be brought in ) These persons will provide you in an approximate extent of the damage. The subsequent loss from putting out the fire included. Like water damage from their firefighting efforts. Once they give the green light, assess the damage thoroughly. Knowing what's damaged and taking complete photos and videos of the damages and the area inside and out should be taken and kept when contacting your insurance provider.

Your insurance provider will guide you through the claims process and explain what's covered by your policy.

The Fire Damage Restoration Process

After the fire, it's time to think about cleanup and restoration. Since fire damage is unique, a standard cleaning company won't do it. You'll need a professional fire damage restoration service to tackle smoke and soot issues.

During the restoration, keep an eye on costs. Fixing a commercial property after a fire can be tough. Get multiple quotes and find cost-effective solutions, but don't skimp on safety. You will need your city, and or county to provide the ordinances, laws and OSHA rules you and anyone on your behalf needs from your insurance payouts.

You May Need Legal Advice

You may need the help of a legal practice. Fires seems cut and dry and are generally a covered peril in your insurance policy. However, many times they don't want to pay. They might claim you're entitled to less or refuse to pay at all.

If this happens, team up with an attorney. Contact Knoerr Law Group to make sure your insurance company investigates fairly and pays what you deserve.

Get the Legal Help You Need for Commercial Fire Damage

If you have or had a commercial fire\ at your business and are facing insurance policy issues, we can help? With over 25 years of experience esch, our attorneys handling claims for residential and commercial property owners well fight to get you what you're owed.

5 Benefits of Hiring a Property Damage Insurance Claim Lawyer

2023-12-14

Florida insurance providers are increasingly denying damage claims. If you've experienced property damage, you might be wondering what options are on the table.

When faced with property damage, handling the complexities of insurance claims can feel impossible. In such situations, hiring a property damage insurance claim lawyer can be a wise decision.

Are you wondering why it's worth it? Read on for the five key benefits of enlisting the expertise of a property damage insurance claim attorney.

1. Expertise in Property Damage Claims

Property damage attorneys specialize in handling insurance claims. This includes those related to fire damage and hurricane damage.

Their expertise allows them to navigate the intricacies of insurance policies. They can also ensure clients receive fair compensation.

2. Navigating Complex Insurance Policies

Insurance policies are often stuffed with complex language and nuanced terms. Understanding the intricacies of your policy is crucial when filing a property damage claim.

Property damage insurance claim lawyers have the knowledge to interpret and analyze insurance policies. This ensures their clients are aware of their rights and more. This expertise proves invaluable in avoiding potential pitfalls and maximizing policy benefits.

3. Thorough Investigation to Get Compensation

In the aftermath of property damage, a thorough investigation is essential. That way, you can determine the extent of the loss and the compensation owed.

Property damage attorneys have the resources and experience to gather evidence. They can assess the aftermath of a fire, document the destruction caused by a hurricane, and more.

4. Effective Communication With Insurance Companies

Communicating with insurance companies can be challenging. Property damage insurance claim lawyers act as bridges. They can handle discussions with your insurance company.

This eases the stress on the property owner. It also ensures negotiations are conducted with legal nuances in mind.

5. Timely Resolution of Claims

Property damage claims can be time-consuming, leading to prolonged uncertainty and financial strain. Hiring a property damage insurance claim attorney can speed up the claims process.

These professionals understand the importance of timely resolutions. Whether negotiating with the insurance company or pursuing legal action, their goal is to achieve a swift resolution. This allows clients to rebuild and move on from the aftermath of property damage.

Choose the Right Property Damage Insurance Claim Lawyer

Begin by researching attorneys with expertise in property damage claims, specifically those related to fire and hurricane damage. Look for professionals with a track record of successful cases and positive client testimonials.

Consider scheduling consultations with potential attorneys to discuss the specifics of your case. Assess their communication style, legal fees, and general approach to handling property damage claims.

A Property Damage Insurance Claim Lawyer Can Have Your Back

You can guarantee the greatest chance of a positive outcome with the right property damage insurance claim lawyer. That way, you'll have your best interests protected every step of the way.

The Knoerr Law Group specializes in property damage claims, real estate transactions, and more in Florida. You can depend on our 50-plus years of combined litigation experience.

Start by scheduling a consultation with the Knoerr Law Group today.

Denied Insurance Claims: Why Property Damage Attorneys Are Successful

2024-01-08

When your property suffers loss and damage, you depend on your insurance to help you recover payment to repair and replace your damaged property. However, the reality is that insurance carriers often deny coverage for property damage claims. Even when coverage is afforded, the amount of the payment might not be sufficient to restore your property back to its pre-loss condition.

This even extends to catastrophic events that you're certain should be covered. For example, consider the fact that of the 17,005 residential property claims Florida citizens reported after Hurricane Idalia, 6,070 were closed without payment. That's a denial rate of more than 35%.

If an insurer has denied, underpaid or delayed your property damage insurance claim, you need an experienced property damage attorneys on your side to help you obtain the recovery to which you are entitled. With the right legal counsel in place, it's easier to see when you're being treated unfairly, and what your next steps should be. Today, we're sharing how an attorney can help you navigate the ins and outs of your property damage claim to enable you to obtain the proper recovery and provide you with peace of mind.

They Understand The Policy and Applicable Laws

To successfully obtained the proper recovery in a denied, underpaid or delayed insurance claim, you need to have a deep understanding of your insurance policy and the Florida insurance laws and govern your policy.

Insurers are banking on the fact that most citizens only have a baseline knowledge of how these statutes and rules work. When an insurance carrier issues a coverage denial letter, they typically list the reasons they denied your claim, including the policy terms, conditions and exclusions that they relied upon, as well as any applicable statutes. They may use complicated legal terms that may be difficult to understand for someone who is not used to dealing with such issues.

As you read through the explanation in the insurance company’s coverage determination letter, it might sound convincing. Many people take the documentation received from their insurance company at face value, file the letter away, and work to rebuild or repair their property without giving a second thought to challenging the insurance company’s determination of their claim.

However, your Florida property damage attorney will be able to advise you if a challenge to the insurance company’s determination is warranted. They'll carefully read the denial letter and your insurance policy in concert with the governing insurance statutes, including the changes recently enacted by the Florida Legislature, in order to evaluate your claim. If they believe that your insurance company has not property investigated and adjusted your claim, they can assist you in pursuing a recovery of the insurance proceeds to which you are entitled to rebuild your property.

Claims are Tricky to Handle When They Involve Multiple Causes of Loss.

Filing claims after Florida natural disasters can prove to be tricky. These emergencies often include multiple weather events and/or causes of loss at the same time (such as a combination of wind and flooding) and this can make a claim very complicated to adjust. This happened during Hurricane Ian which struck Florida in September 2022.

In the wake of Hurricane Ian many homeowners insurance companies took this as an opportunity to deny claims, asserting that the cause of damage was flood, not wind. By February 2023, nearly 40% of related insurance claims remained rejected or in limbo without payment, five months after the storm hit the Sunshine State.

Homeowners insurance companies claimed they issued denials on the basis of flooding, which most homeowners policies will not cover. Some homeowners who did receive a payout cited that it was only a few hundred dollars -- hardly enough to restore their homes to their pre-loss condition. An experienced property damage insurance attorney can help you sift through these complicated issues and assist you obtaining the recovery you deserve.

They Can Order an Independent Appraisal

If you don't see eye-to-eye with your insurance company on their adjustment of you claim, you may have the right under your policy to have an independent appraisal performed. This is a service you can leverage for denied insurance claims, as well as claims that have been underpaid.

During the appraisal, a third-party insurance appraiser will assess your property damage and share what they believe should be the scope and value of your loss and damages. In this way, it's similar to getting a second opinion at the doctor's office. Many insurance policies have terms that allow this service, but most property owners don't take advantage of it.

Your property damage attorney will read your policy to see if this is an option. If so, they can help you order and oversee the independent appraisal.

They Can Contest the Denial or Underpayment of Your Claim.

You don’t have to accept your insurance company’s denial or underpayment of your claim sitting down You can fight it If you believe your insurance company has not property investigated and adjusted your claim, an experienced property damage insurance attorney can assist you in pursuing a recovery of the insurance proceeds to which you are entitled to rebuild your property. Many times, this extra "push", backed by a reputable and experienced law firm, is what it takes to prompt insurance companies make a payment or a supplemental payment on a claim.

However, if your insurance carrier reviews the claim again and still fails to provide coverage or issue the property payment, you're not without recourse. From there, your lawyer can initiate litigation against your insurer to pursue a recovery.

Contact Our Property Damage Attorneys Today

Florida residents pay a lot of money in insurance policy premiums to protect what is usually their most valuable assets: their homes. In the unfortunate event that their property is damaged by a casualty loss, they deserve to know that their insurance will pay for the necessary repairs. After all, that is the very reason you pay for insurance. If you've experienced property damage loss and your insurance company has denied, underpaid or delayed adjustment of your claim, we're here to help you

At The Knoerr Law Group, our team of property damage attorneys can handle every aspect of your claim, so you don't have to stress. We have more than 50 years of combined litigation experience, and we know how to protect your rights as policyholder. To learn more about the services we can provide, contact us to schedule a free consultation.

What to Do After a Catastrophe Strikes in Florida

2023-12-05

Catastrophic weather events include hurricanes and tornadoes, among others, and can cause disastrous damages such as the destruction of well-built framed houses, total roof failure, wall collapse and fallen trees.

If your home happens to be affected by catastrophic weather, then you may find yourself struggling to recover afterward. Luckily, there are plenty of resources that can cover the cost of repairs and provide housing in the meantime. And if necessary, attorney help is also available.

Here's your guide to Florida disaster help and recovery after a hurricane.

Assess Storm Damage and Contact Your Insurance Company

It’s a good idea to have a disaster preparedness plan in place in advance of a catastrophic weather event so you know what to do when the worst happens to your home. When and if the worst happens, follow your plan. Make sure an evacuation plan is part of your overall preparedness plan, which includes things like a place to stay during the storm and items you'll need to bring.

The first thing you should do after a catastrophic storm event is assess your home for damage. If you have evacuated in advance of the storm, make sure it is safe to return to your home before you return. If your property has suffered damage (assuming the damage is covered by your policy) you'll need to promptly contact your insurance company to report your loss and make a claim. This is recommended even if you aren't sure about your coverage. You can call your agent or the insurance company directly to start the claim process, and they'll send an adjuster to inspect the damage. Please note that most homeowners insurance policies do not include coverage for damage caused by flood, so if you have a separate flood insurance policy and you suffered a damage from flood, you will need to contact your flood insurance carrier as well.

Document the damage to your home and any items that have suffered loss and damage that may be covered under your insurance. Florida policyholders must also file insurance claims within one year of the incident as of 2023. Previously, it was two years.

You can also contact FEMA for extra Florida disaster help if needed. FEMA provides disaster recovery assistance for affected individuals and communities if an area is a designated federal disaster area.

Determine if Your Home Is Safe to Return to and Take Necessary Steps to Protect it From Further Damage

When you are able to return to your home safely, determine if it is still suitable to reside in or if you need to secure alternative housing until such a time that is fit to live in. Most insurance policies will reimburse you for the cost of your additional living expenses while your home is not fit to live in after a loss. Look around for any potential hazards such as stray nails or loose wiring. Avoid standing water, as it may act as a conduit for electricity or cause an infection if you have open wounds. Try to clean and disinfect what you can. Dry wet areas and remove soaked items as part of your flood recovery. If necessary, have your property dried out by a water mitigation company and tested for mold. Also make sure that you take the necessary steps to prevent further damage to your property such as having a tarp put on your roof to prevent roof leaks and/or having temporary repairs made.

If your property is not currently habitable then you'll need to stick to your evacuation plan. Stay at a hotel or a family member's house while the contractors work on your home to make the necessary repairs. By wary of persons and companies who come to your neighborhood after a catastrophic weather event happens to solicit work. Make sure any contractors you hire to make repairs are state-licensed and insured so you know they'll provide professional assistance. It’s also a good idea, if possible, to get least three written estimates before you hire a contractor so you have more options.

Don't try to do repairs yourself unless you’re qualified to do so. Be patient and stay safe.

Seek Help if Needed

You don’t have to go through the insurance claim process on your own. Help is available. If your insurance company takes too long to process your claim, denies your claim, or does not pay you enough to repair the damage caused by the loss your property sustained - you may need the assistance of an attorney to get your insurance company to fully and properly pay your claim.

Knoerr Law Group provides hands-on counsel for your insurance claim across the State of Florida. If your home or business has suffered damage in a storm or accident, we can help. Contact us at either our Coral Springs or West Coast location to tell us more about your claim.

Types of Property Damage Claims: What Floridians Need to Know

2023-11-28

Hurricane Idalia hit Florida only a few months ago and left many properties damaged. While hurricanes and wind storms may be the first thing that comes to mind when Floridians think of property damage, there are several other types of causes of losses that can damage your home and commercial property or business. The good news is that you can purchase insurance to protect your home and personal property from the damage sustained from these losses with the proper coverage for the sustained damage. Hurricane related coverage is vital if you live in Florida. It is also vital to make sure that your insurance policy or policies contain the coverage you need and in sufficient amounts.

This raises an important question: What types of property damage are there that are covered for by typical homeowners or property coverage for which you can make a claim? There are several types of claims that Florida property owners typically make. We'll discuss them here.

What Is Property Damage?

First, it is important to know what property damage is that is covered under insurance generally. While this seems obvious, it is more complicated. There are several types of property that can be damaged and covered under most homeowners insurance policies: The first type is Real Property. This is typically covered under the “dwelling” coverage your home, building structure, etc.). The second type is Personal Property. This is the contents, such as furniture, clothing, electronics, inventory, etc.) Physical damage to property occurs when your property is damaged or destroyed from a loss that is covered under your terms of insurance. There are other types of losses that can cause damage to you as a result of the physical structural or property damage.

What Types of Property Damage Claims Are There?

Some common types of property damage in Florida:

Hurricane and Wind Storm
Water damage from a plumbing system
Mold
Hail
Fire
Lightning
Sinkhole / sudden ground collapse
Vandalism and Theft
Accidental damage / Negligence
Flood *

*Flood damage is not typically covered under homeowners insurance policies and usually must be obtained by purchase of a separate flood policy.

You should also be aware that certain insurance carriers do not provide all of the coverages listed above and it may be necessary to purchase separate policies to obtain all of the coverages you may need.

Wind Damage Claims

With the recent string of hurricanes and tropical storms in Florida, wind accounts for a significant amount of Florida property damage. Hurricane Idalia was a Category 4 hurricane, with winds over 130 mph.

Severe winds can cause serious damage and a massive uptick in insurance claims. But wind damage does not always come from a hurricane. Wind damage is a common insurance claim even when there isn’t a named storm that caused the damage.

Water and Flood Damage Claims

It is important to understand the difference between water damage claims and flood claims. Water damage claims that are covered under homeowners insurance policies are caused by sudden and accidental losses that result in water damaging your home and property. One example is plumbing loss, such as a burst water pipe. Your homeowners insurance policy may also cover water damage from rain that comes into your home from a peril-created opening in your property, such as a leak in your roof from flying debris or a lightning strike. On the other hand, flood damage is damage typically caused from rising water that comes from outside your home. As stated above, flood damage is not typically covered under homeowners insurance policies and usually must be obtained by purchase of a separate flood policy.

Water can cause a significant amount of damage to your home. If you have suffered water damage of any kind, your next step is to file an insurance claim. Remember that insurance companies often don't pay what they owe or don't do it quickly. If this happens, we suggest hiring a property damage attorney.

Criminal Property Damage

Losses caused by weather events and natural disasters can be devastating, but some types of property damage are done by other humans, either intentionally or unintentionally. These include negligence, vandalism and theft. Fortunately, most insurance policies provide coverage for these types of losses.

When filing insurance claims in cases involving theft or vandalism, call the police to report the incident and obtain a copy of the police report. Promptly report the loss and damage to your insurance company, and make sure to write down all the damage carefully to document your damages.

Understand the Types of Property Damage Claims

There are many types of property damage claims in Florida which you might experience.

Recent laws have helped insurance companies manage the heavy storm events in Florida, but some claims will fall through the cracks. If you want to file a property damage claim, please get in touch with us at Knoerr Law Group.

When Should You Hire Attorneys for Property Damage After a Named Storm?

2023-11-21

If a storm has damaged your property, you may think submitting an insurance claim is simple. Insurance companies sometimes take a very long time to fully process claims, or even reject payments for claims that they should have accepted and paid based on your policy and the law.

When do you retain a property damage attorney? Start reading here. Learn when you should hire attorneys and how a lawyer can help get your life back on track.

When You Don't Need Attorneys for Property Damage

A small, uncomplicated property damage claim doesn't always need an attorney. If you feel comfortable with your understanding of the policy and ability to negotiate, you can move forward on your own. Not every storm damage claim ends up complicated.

Coverage Disagreements

During a named storm, a lot of different types of damage can happen at once. If you run into a $10,000 limit on water damage coverage, you and your insurance may disagree on whether this cap applies to a named storm claim or what part of any water damage falls under this denomination. Also, you can wind up in a situation where you and the insurance company disagree on repairing or replacing damages in your property.

In cases like these, your storm damage claim will benefit with Knoerr Law Group’s attorney's guidance. An experienced property lawyer can help you sort through what the language in your policy covers.

Damage Disagreements

When you disagree with your insurance company on the amount of damage or the insurance company has a different timeline or date of loss than you believe to be true, contact a lawyer. Insurance companies may close claims when the damages have not yet been fully paid.

An experienced lawyer can help you prove the conditions as required in your policy including the damage to your property for the insurance claim. A lawyer can also negotiate on your behalf with the insurance company. Your lawyer has a more extensive background in negotiations and can free up your time to put your life back on track after a named storm.

Negotiation in Bad Faith

Do you think your insurance company hasn't played fair during the claims process? Get in contact with a property damage lawyer at Knoerr Law Group as soon as possible.

Lawyers help clients fight insurance companies that underpay, refuse to pay, or delay claims. You will need a lawyer to help you understand your rights and build your case. If you have exhausted all remedies to you a lawyer with storm damage experience will help.

Weather Any Storm

When you hire attorneys for property damage, you take the initiative of retaining a professional to recoup your losses and taking care of the specifics to repair your property that you own and care about. While some claims don't require the involvement of a lawyer, lawyers can cut through a lot of common difficulties with insurance companies.

Has your insurance company underpaid your claim? Has your home, business, company, been damaged by a hurricane, rainwater, wind, mold, or smoke from a storm?

Give us a call at The Knoerr Law Group, we know your rights under the law and we're willing to fight for them. Our founding attorney has experienced storm damage firsthand and knows how important a fair insurance claim can be.