September 10, 2020, is the last day to make or dispute a hurricane damage claim with your insurance company concerning Hurricane Irma, which made landfall in the Florida Keys on September 10, 2017, and affected cities like Miami, Naples, and Fort Myers and Miami-Dade, Monroe, and Broward counties.
Per Florida statutes § 627.70132, you must address all claims (new, supplemental, or reopened) for loss and/or damage caused by windstorms or hurricanes within 3 years of landfall. This helps property owners evaluate all damages, even those that become obvious over time – like leaks and other roof-related damages.
Additionally, if your claim was undervalued or denied, now is the time to take legal action.
An Unprecedented Storm
According to The Balance, Hurricane Irma was the most powerful Atlantic hurricane in recorded history. The Category 5 storm and its surges affected 1.2 million people and caused about $50 billion in damage (adjusted for inflation). Hundreds of people died and many more had their homes and/or businesses damaged or destroyed.
In anticipation of events like Irma, Florida residents pay an average of $3,575 on $200,000 homeowners’ insurance policies with a $1,000 deductible. Sadly, even these high rates are not enough to prevent bad faith insurance practices in which companies put profits over policyholders.
If you’re starting a new claim, Naples Daily News recommends working with an insurance restoration contractor to evaluate the damage. Those disputing an undervalued claim or appealing a denial may want to recruit an experienced property damage lawyer like Gary B. Englander or Warren Q. Peebles.
Caring, Honest, and Competent Counsel
At Englander Peebles, Attorneys at Law, we represent homeowners exclusively and have plenty of experience handling hurricane claims. We have been serving residents in the Miami area since 2016 and have helped our clients with all sorts of property damage claims.
If you paid for your insurance policy, you should have access to coverage. Call us at (305) 900-5453 or contact us online to learn how to maximize your claim.
We are available 24/7 and offer free consultations – we look forward to helping you!