Know more about the hurricane damage claims
Every year, huge property damage is caused by weather disasters. In Florida, hurricane season starts from the first week of June and ends by the last week of November. The damages usually caused by the hurricanes include:
• Trees uprooting
• Damage to buildings and property such as roofs or other structures
HURRICANE DAMAGE Claim Attorney Fort Lauderdale can help when you need to claim for your property damage due to a hurricane.
Is there any way to protect yourself from the hurricane damage?
If you are a home or business owner, you can get insurance against hurricane damages. However before insuring, you need to know the basics of hurricane damage insurance and what all does it cover?
First, you need to pay attention to your hurricane deductible which is usually based on a percentage of the amount of coverage for the main structure of your home or business. For instance, you can have a 2% deductible for a policy that provides up to $400,000 of coverage for the main structure. In other words, your insurance company will only pay for any damages that are over above $8,000 which means you are responsible for paying that amount out of pocket.
Second, your homeowner’s insurance policy will not cover damage to your home or business structure and/or the contents inside. You will need to purchase a separate flood insurance policy. If you are not in area deemed to be susceptible to flooding, you can likely purchase a flood policy for approximately $500. This policy will cover the structure of your home for up to $250,000 or contents up to $100,000 if water enters your home from the outside due to heavy rain from a hurricane.
Lastly, get a professional to take a look at your roof to determine whether it is secure and to check for any possible interior leaks related to the roof. This is important because insurance companies will not provide coverage if your roof is in a damaged state. More importantly, knowing the condition of your roof will give you more leverage (if it was not damaged) when filing a claim for hurricane damage to show that the hurricane caused an opening which ultimately led to water intrusion inside your home or business.
Make sure to hire a Hurricane Damage Claim Attorney Fort Lauderdale to get the best legal support and obtain good compensation in case of hurricane damage.