THE PERAZZO LAW FIRM SHARES VALUABLE INSIGHT FOR DEALING WITH INSURANCE CLAIMS FOR PROPERTY DAMAGE AND LOSSES FOLLOWING A HURRICANE IN MIAMI
CLIMATE CHANGE – A MAJOR CONCERN FOR MIAMI AND ALL SOUTH FLORIDA RESIDENTS –
Miami: When Hurricane Irma made its way across the Caribbean and struck the U.S. mainland in September 2017, some 6.5 million Floridians decided to evacuate to escape its destructive force. Sadly, many parts of Miami suffered extensive property damage through flooding and destruction from Irma’s recorded 112 mph winds. In total, 7.7 million Florida businesses and homes suffered power outages throughout almost 75% of the State. Hurricane Irma also left close to 85 fatalities because of drowning, life ending injuries, and inhalation of toxic fumes. In Miami-Dade, fallen trees, fencing, and flying debris caused property damage to almost 1000 homes, with storm surges leaving areas like Homestead, downtown Miami, and Miami Beach underwater. As if storm damage wasn’t enough, local businesses in the Miami Metro area experienced looting and burglaries (see civil unrest and looting lawyer).
Today, A group of engineers belonging to the U.S. Army Corps has proposed to build a six-mile long, 20-foot-high wall along the Miami coast with hopes of preventing hurricane storm surges that could once again flood many parts of Miami-Dade. This proposal is a direct result of the undeniable climate changes taking place around the world which have resulted in more devastating weather conditions threatening the lives of people everywhere. Though it may seem like a good idea to protect Miami-Dade business operators and homeowners from property damages caused by hurricanes, the storm wall proposal, which would cost an estimated $6 billion, could take up to five years to develop. Hence, Floridians need to hold onto their hats and pray that this upcoming hurricane season is a friendly one.
If your home or business has suffered damages from a hurricane or other natural disasters, you may be eligible for a property damage insurance claim lawyer to cover your losses. In Miami, contact the Perazzo Law Firm ONLINE to find out more about how your home or business is protected through your insurance provider.
THE PERAZZO LAW FIRM – DEDICATED TO PUTTING YOUR INTERESTS FIRST!
HURRICAN DAMAGE AND PROPERTY DAMAGE INSURANCE CLAIMS LAWYER IN MIAMI
Has your property been damaged in a hurricane? If so, your insurance provider will send over one of their adjusters to evaluate and assess the damages to your property and decide on a settlement they consider fair to cover your property damage and economic losses. Sadly, your insurance provider’s adjuster may offer to settle for a value that is anywhere from 300-1000% lower than the real cost of repairs, replacement, and labor. Furthermore, an adjuster carrier’s may overlook any possible future consequences from the initial hurricane damage. In Miami, the Perazzo Law Firm advises victims of hurricane damages to contact a trusted public adjuster before signing anything or receiving any sort of settlement from an insurance provider. An experienced public adjuster will help make sure the hurricane damage victim receives a prosper assessment from the insurance provider’s adjuster. However, insurance provider may sometimes refuse to settle the public adjuster’s claims value may not be met. In the event a settlement cannot be reached, an insurance lawyer will be needed to represent the claimant to fight for a settlement that best favors their client and not the insurance provider. Thus, an experienced property damage and insurance claims lawyer is essential following a natural disaster that causes damage to your property and creates unforeseen catastrophic economic losses.
WHAT A PROPERTY DAMAGE AND INSURANCE CLAIMS ATTORNEY WILL DO FOR THE HURRICANE DAMAGE VICTIM
A professional and experienced insurance claim lawyer will represent you after an adjuster has filed a damage claim to the insurance carrier. In almost all cases, the insurance carrier will have one of their damage adjusters determine what the claim is worth by taking into account the visible extent of the damages. However, the insurance carrier’s adjuster will offer a settlement that is far less than the actual value of damages and losses. By way of a public adjuster hired by the claimant, the recovery value will be negotiated and many times, a settlement cannot be reached. When this occurs, an insurance claim attorney will step-in and fight for a settlement that favors their client, in this case, the hurricane damage victim. The insurance claim lawyer will litigate in favor of their client and try to settle the claim out of court. If necessary, the insurance claim attorney will take the case to court and in the event that the insurance claims attorney wins the legal battle, the insurance provider will be liable for all court and legal fees owed as a result of the property damage claim. In Miami, the Perazzo Law Firm fights aggressively to make sure insurance providers and their adjusters do not take advantage of property damage victims and strive for their client’s full satisfaction.
WHAT A PUBLIC ADJUSTER WILL DO FOR THE HURRICANE DAMAGE VICTIM
The Perazzo Law Firm informs hurricane damage victims that a trusted and experienced public adjuster will strive to maximize your recovery and assess your damages from the beginning to the end of the claim. Furthermore, an adjuster will handle the process of dealing with the insurance provider to guarantee a fair recovery. Thus, it is vital to have an expert evaluate the extent of any damages. A leaky roof may lead to unexpected swelling of wooden floors, which could lead to having the floorboards ripped up, which could mean new paint on the walls. Suddenly, a leaky roof can end up costing $50,000, with the insurance provider offering you a settlement of $5000 to fix the leak. That is why the Perazzo Law Firm recommends consulting a professional before signing a proof of loss and releasing the right to claim for an agreed amount. Public adjusters know how to evaluate damages and put a value on things that an insurance provider adjuster may overlook in order to offer a lower settlement. Thus, it is wise to contact an Insurance Claim attorney for litigation to obtain the amount duly attributable to hurricane damage victims. Insurance providers have 90 days to settle or reject a property damage claim. If in doubt of who to call after hurricane damages or economic losses, contact the Perazzo Law Firm ONLINE or CALL (786) LAWS-411 in Miami-Dade.
WHAT TO DO AFTER A HURRICANE HAS CAUSED PROPERTY DAMAGE AND LOSSES.
Hurricane season spans throughout the months of June-November; and that’s quite a long time to be worried about when disaster will strike your town, city, or state. In Miami, the Perazzo Law Firm recommends being prepared, not only before a hurricane, but also after. Heavy rains and very strong winds can produce damage to your property by way of flooding, fallen trees, downed power lines, and flying debris. These factors combined can greatly increase the chances of water entering your home, roofs to start leaking, or windows to break. When water enters your home, the chances of suffering property damage are very high. Thus, it is important to assess the potential consequences flooding can have on the bowels of your home. Water will find its way through your walls and floor boards. Thus, water in your home must be assessed by an experienced public adjuster. It is important to highlight that most injuries and accidents take place after a hurricane has passed. Thus, the Perazzo Law Firm recommends the following:
- Stay indoors until you receive official confirmation that the hurricane has passed
- Stay clear of downed power lines or objects near fallen cables or wires
- Stay clear of puddles near any downed power lines
- Report any hanging cables or phone lines immediately by contacting the authorities
- Avoid driving unless absolutely necessary and avoid driving over bridges or heavily flooded areas
- Do not attempt to make any repairs unless the repairs are absolutely necessary to safeguard well-being
- Avoid climbing onto the roof of your house as it may be have been weakened by rain and wind
- Stay clear of areas where there is a strong stench of gas, gasoline, or any other chemical and notify the authorities
- Do not turn the power back on if there is flooding in your home
- Once it is safe to do so, document all damages through photographs and video footage
- In the event of injuries sustained, contact the police and avoid driving unless necessary
- Throw away any foods left in a refrigerator for more than 10-12 hours without power
- If possible and safe to do so, gather eyewitness testimony of the damages
- Contact a trusted public adjuster to handle your property damage claim
- Contact an experienced property claims attorney to help obtain a fair settlement for damages from the insurance carrier
If you, a loved one, or friend has suffered property damage or losses as a result of a hurricane, in Miami, the Perazzo Law Firm urges you to contact us by visiting our site or calling: (786) LAWS-411 or 888-PERAZZO.
THE TYPES OF DAMAGES CAUSED BY STORMS AND HURRICANES
A severe tropical depression or hurricane can cause many types of damage to your property, be it your car, truck, home. The lawyers at the Perazzo Law Firm understand the different types of damage and what that can mean financially when the repair bills to cover. The main types of property damage following a storm such as Eta or hurricanes include:
- Blown fuses
- Broken windows
- Burnt out electrical appliances
- Ceiling damage
- Fallen trees
- Flooded cellars
- Power outages
- Roof damage
- Ruined floorboards
- Water stains on walls
In order to ensure your claim is processed timely and properly, the insured has to comply with a number of post loss obligations. Primarily those include prompt notice to the insurer, mitigating your damages, submitting to a recorded statement and examination under oath, submitting a sworn proof of loss, retaining any damaged part even if it has been replaced, saving any and all proof of expenses associated with the loss, etc. As you can imagine it is a long and exhaustive list, however any non-compliance with the list of required post loss duties can be used to deny your claim which, otherwise, may be covered by the policy. Knowing what your duties are is vital to ensuring your claim is not denied on a technicality.
AUTOMOBILE ACCIDENTS AND STORM DAMAGE
In Miami, driving in a severe storm or hurricane can increase the chances of being involved in a car accident as visibility and control become an obstacle for many drivers. Given all the existing dangers under normal weather, such as negligent cellphone use behind the wheel, drunk driving, and reckless driving, in Miami, drivers must take extra precaution to avoid accidents. The lawyers at the Perazzo Law Firm understand accidents on Miami streets and roadways during storms and hurricanes. That is why, in the event of an accident under bad weather, we suggest keeping calm and proceed with caution (see What to do after a car accident).
An insurance policy is written by the insurance company and, as such, can be considered a contract of adhesion. That is, a contract where one party has a negotiating advantage over the other party. Essentially, what that means is when you were not the party drafting the contract then the terms of the agreement are likely to disfavor you. In reality, most contracts we agree to have been drafted by the corporations providing services, whether it is your mobile service provided, car/property/health insurance, cable television, etc. Unfortunately, almost always we do not have any choice, it is unheard of for anyone to write their own contract terms and offer it to the corporation. Essentially, the Perazzo Law Firm understands that we are all victims to the terms of the contract prepared by the insurance industry. Given these circumstances, our lawyers only recourse is to know the terms of the contract inside and out. When it comes to making a property insurance claim for losses is not as simply as placing a phone call. The insurance company is not your friend waiting to come to your rescue whenever you need help. Corporations are profit driven entities when benefit from customers not reporting damages or from denying claims. Insurance companies can deny your claim for any reason, even reporting your claim a day late. Moreover, your claim can be denied if you failed to disclose a bankruptcy or an arrest on your application. In reality, an arrest (even without a conviction) or financial difficulties within the last decade should not have any significant bearing on your ability to obtain insurance coverage for your home. However, failing to disclose a material fact may be enough to not just deny your claim but to cancel the entire policy and leave the homeowner with very few legal options.
At the Perazzo Law Firm, our property damage lawyers know all of the tricks the insurance companies use to deny your claim. Our professional advice is to be always prepared for any eventuality during a severe storm or hurricane in Miami. Unfortunately, knowing all the terms of a 100-page insurance policy is a difficult task, and that is what the insurance industry is counting on. When the unfortunate happens to your home, or car, knowing your rights is especially important. But if you feel your claim has been unjustly denied despite your full compliance with all of the obligations placed upon you by the contract, then do not hesitate in contacting a qualified attorney as soon as you can to preserve your rights.
If you seek further information on how to prepare for, or what to do after your home has been damaged as a result of a storm or hurricane, please do not hesitate to contact the lawyers at the Perazzo Law Firm immediately.
Call Us Now (786) 529-7411
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Free Consultation, Jonathan Perazzo, Esq.