Hurricane Ian Insurance Claims Attorney

Diamond Law, P.A. Is Here for Florida Homeowners

Due to the damage caused by Hurricane Ian, many Florida homeowners are struggling to rebuild. As a Florida resident, you know how important it is to carry homeowners’ insurance. Every hurricane season, significant storms come through, and home damage is not uncommon. However, after a catastrophic weather event like Hurricane Ian, successfully filing a claim and receiving the full compensation you are entitled to under your policy can be difficult and time-consuming.

At Diamond Law, P.A., we understand how insurance companies work, and we are highly experienced in helping homeowners across southwestern Florida deal with the complicated claims process. From helping you understand the protections provided by your policy to guiding you in preparing the correct documentation for your claim, we are here for you.

To discuss your Hurricane Ian insurance claim with an attorney with a deep understanding of the complexities of insurance law, call us at (888) 591-0233 or send us a message online. 

Hurricane Ian Was Different

Many people are unaware that Hurricane Ian, which was classified as a Category 4 hurricane, was only two mph away from being classified as a Category 5 storm. For reference, only four Category 5 hurricanes have ever made landfall on the mainland U.S., including the 2018 Hurricane Michael. Reaching wind speeds of 155 mph, Hurricane Ian caused the second-largest insured loss on record after Hurricane Katrina (2005). According to reports, Hurricane Ian caused between $50 billion and $65 billion in insured damages.

Common damage experienced by homeowners after Hurricane Ian:

• Wind damage
• Water damage
• Flooding
• Roof damage
• Structural damage
• Broken windows and doors
• Fence, deck, garden shed, and other property damage

The severe home and property damage residents in Florida are experiencing after Hurricane Ian is difficult for people to fully appreciate unless they have experienced a storm of this magnitude themselves. If you are facing thousands of dollars of damage, you may be feeling overwhelmed and unsure of what to do, especially when it comes to getting repairs covered by your insurance. Keep reading to learn more about hurricane-related insurance claims.

What Is Covered & What Isn’t?

Determining what damage is covered and what isn’t will depend on both your insurance carrier and the specific policy you carry. For example, some companies will require homeowners to have an additional flood insurance policy if they want flood coverage. In contrast, other insurers may include flood damage as part of a larger overall policy. To find out what is covered, review your policy. If you do not have a copy of your policy, you can get one from your insurance agent.

Some homeowners in Florida carry separate hurricane insurance through a different provider than their homeowners’ insurance. If this is your situation, you will need to review both of your policies to find out what benefits you are entitled to under each one.

Understanding the nuances of insurance policies and insurance law can be incredibly difficult, and if this is something you are struggling with, you are not alone. This is where Diamond Law, P.A. can help. Keep reading to learn why consulting with our law firm before filing your claim may be in your best interest.