Residential Hurricane Claim

$220,991 Recovery for Port Charlotte Hurricane Ian Claim

The Problem

Our client, an elderly gentleman living alone in Port Charlotte, endured the terrifying impact of Hurricane Ian as 150 mph winds tore through his neighborhood. A large section of his roof was completely ripped off, leaving him fearful for his life as rain and debris poured into the home.

The property became uninhabitable, forcing him to relocate and replace nearly all of his personal belongings. Despite the near total loss, his insurance company paid just $72,034.65 — less than one-third of the estimated repair costs — and then began a campaign of delays and harassment, requesting thousands of pages of irrelevant personal documents.

Our Approach

Jimenez Legal was retained to protect the homeowner’s rights. Our attorneys:

• Took over all communications with the insurer to stop the harassment and preserve our client’s peace of mind
• Documented the full extent of the damage, including roof replacement, structural repairs, and contents loss
• Challenged the insurer’s partial payment and prepared to file suit for breach of contract and bad faith
• Applied strategic pressure that made clear we were ready to litigate if necessary

The Result

Our persistence paid off — we secured an additional $170,992.65, bringing the total payout to $220,991.65 and exhausting the policy’s full repair coverage limit. This ensured our client could rebuild, replace his personal property, and move back into a safe, livable home.

Key Takeaway

Insurance companies may delay or intimidate policyholders, but skilled legal representation can put an end to bad-faith tactics and recover every dollar available under a policy.