Residential Hurricane Claim

$185,000 Recovery for Hurricane Ian Roof Damage

The Problem

Our clients’ home was devastated during Hurricane Ian, suffering widespread roof damage, water intrusion, and interior leaks that left parts of the property unlivable. They did what responsible homeowners should do — filed a timely claim with their insurance company.

Instead of providing the support they expected, the insurer dragged out the claim process for months, used internal adjusters to minimize the loss, and finally issued a determination that the total damage did not exceed the homeowners’ hurricane deductible — leaving them with a $0 payout despite massive repairs needed.

Our Approach

Jimenez Legal immediately took action. Our attorneys:

• Conducted a comprehensive inspection of the property and retained independent roofing and water damage experts
• Compiled evidence proving the full scope of damage and the necessity of replacement rather than patch repairs
• Filed a lawsuit for breach of contract and bad faith after the insurer refused to adjust the claim properly
• Maintained consistent legal pressure through discovery, depositions, and pre-trial motions to force a fair resolution

Our litigation strategy focused on demonstrating that the insurer acted unreasonably and that the repair cost far exceeded the deductible they relied on to deny payment.

The Result

After a prolonged but successful litigation process, the insurance company agreed to a $185,000 settlement, providing our clients with the funds to fully replace their roof, remediate water damage, and restore their home to pre-storm condition.

Why This Matters

This case highlights how insurers often underpay or deny hurricane claims — and why homeowners need experienced legal representation to fight back. At Jimenez Legal, we ensure that storm victims are not left paying out-of-pocket for damage their policy was meant to cover.