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Hurricane
Hurricane damage denied or underpaid in Florida? Jimenez Legal fights for the full recovery your policy promises.
Hurricane Damage Claims in Florida
No state faces hurricanes like Florida, and no property claims are higher-stakes than the ones that follow a major storm. Hurricanes inflict damage on a massive scale, wind-torn roofs, shattered windows, water intrusion, structural failure, and destroyed belongings, and they trigger special policy provisions designed to shift more of the cost onto homeowners. After a hurricane, insurers are flooded with claims and have every incentive to deny, delay, and underpay.
The signature feature of a hurricane claim is the hurricane deductible, usually a percentage of your dwelling coverage rather than a flat dollar amount, which can run into the tens of thousands. Florida also sets strict, relatively short deadlines for reporting hurricane and windstorm claims, generally measured from the date of loss. Storm-surge flooding requires separate flood coverage, while wind damage falls under your property policy. Tracking the storm through the National Hurricane Center helps establish the date and nature of loss.
Given the size and complexity of these claims, experienced representation can make an enormous difference.
This is part of our Property Damage Claims practice. Related matters include roof damage, flood damage, and tropical storm damage. Review our case results, learn about Attorney Edward G. Jimenez, or request a free consultation by calling (321) 465-3425.
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Understanding the Hurricane Deductible
Florida policies apply a separate hurricane deductible, typically 2% to 5% of your dwelling coverage, that activates for named-storm damage. On a $400,000 home, a 2% deductible is $8,000 before coverage even begins. Confirming when the hurricane deductible properly applies, and that it is calculated correctly, is essential, because insurers sometimes apply it to losses that should fall under the standard deductible.
Strict Reporting Deadlines
Florida law sets firm deadlines for new and supplemental hurricane and windstorm claims, generally running from the date of loss. Missing the window can bar your claim entirely, regardless of how strong it is. We make sure your claim, and any supplemental claim for damage discovered later, is reported within the required time and properly documented.
Wind, Water, and the Full Scope
Hurricane losses combine wind damage (covered by your homeowners policy) and storm-surge flooding (covered only by flood insurance), and insurers often try to shift damage between them. We document the cause and full extent of the loss, structure, contents, debris removal, and living expenses, and pursue every applicable coverage so you recover the complete amount you are owed. Call Jimenez Legal at (321) 465-3425 or request a free consultation.
Frequently Asked Questions
Yes, hurricanes trigger a separate hurricane deductible and involve large, complex claims insurers scrutinize closely.
It is often a percentage of your dwelling coverage, which can be much larger than a flat deductible.
Florida sets strict deadlines, generally one year from the date of loss for a new windstorm claim, so act fast.
Storm-surge flooding requires separate flood coverage, while wind damage falls under your property policy.
An attorney can document the full loss and pursue the additional amount your policy owes.
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