Stuart Hurricane Damage Claims Lawyer
When a hurricane hits, the damage to homes, businesses, and personal property in Stuart, Florida, can be substantial. This period can be stressful, with many victims unsure of their next steps. One critical aspect that needs to be addressed promptly is filing a hurricane damage claim. At Lance P. Richard, P.A., our Stuart hurricane damage lawyers understand the complexities of this process, and we are here to guide you every step of the way.
The Timeframe for Filing a Claim
After a hurricane, time is of the essence. According to Florida Statute 627.70132, policyholders have three years from the date of hurricane damage to file an insurance claim. However, it is advisable to report the damage as soon as possible to increase your chances of receiving full compensation.
While the law gives you three years to file a claim, waiting can complicate the process. The longer you wait, the more challenging it may be to connect the damage to the hurricane convincingly. Therefore, it is essential to report the damage, document it thoroughly with photographs and video, and contact an experienced hurricane damage claims attorney immediately after the hurricane.
Who Pays for Hurricane Damage?
In Florida, property damage caused by a hurricane is typically covered by your homeowner’s insurance. However, because Florida is a high-risk state for hurricanes, some policies may have special deductibles and limitations for hurricane damage. The payment may also come from your flood insurance policy if you have one, as standard homeowners’ insurance typically doesn’t cover flood damage.
Understanding Florida’s Hurricane Damage Law
In Florida, the law regarding hurricane damage claims is outlined in the Florida Statutes. A crucial aspect to note is the ‘Homeowner Claims Bill of Rights,’ which stipulates that policyholders should receive acknowledgment of their claim within 14 days of reporting the damage. Furthermore, the insurance company should pay or deny the claim within 90 days.
The law also indicates that policyholders are entitled to a fair and objective evaluation of the damage. If the insurance company fails to comply with these timelines or undervalues the claim, the homeowner can hire an attorney experienced in hurricane damage claims cases to advocate for their rights.
Contact Lance P. Richard, P.A.
Lance P. Richard, P.A., has vast experience in hurricane damage claims in Stuart, Florida. We know the devastation a hurricane can bring, and we’re committed to helping our clients recover their rightful compensation. With our understanding of Florida’s hurricane damage laws and a record of successful claims, you can trust us to advocate for your interests against insurance companies.
Navigating the hurricane damage claims process can be complicated and stressful, but you don’t have to do it alone. Contact Lance P. Richard, P.A. today, your trusted Stuart, Florida hurricane damage claims attorney, and let us help you through this challenging time.