4601 Sheridan Street Suite 205 Hollywood, Florida 33021

(754) 253-3452

info@maclegalpa.com

Understanding Your Hurricane Insurance Policy in Florida

In Florida, where we regularly brace for hurricane season, understanding the nuances of your hurricane insurance policy is important. We’ve seen how important it is to understand the protections your insurance policy provides, so you’re ready before a storm hits.

Types of Hurricane Insurance Coverage

Wind Damage Coverage

Covers repairs needed due to damage to roofs, windows, and other structural parts of your home caused by hurricane winds.

Additional Living Expenses (ALE)

Supports costs for temporary housing and daily expenses if your home becomes uninhabitable after a hurricane.

Water Damage

Covers damages from rain entering through breaches caused by the storm. Separate flood insurance is needed for flood damage from rising water bodies or surges.

Insurance Policy Limits and Deductibles

Understanding the limits of your policy and your deductible amounts is pivotal. Many insurance policies include a hurricane deductible, which is generally a percentage of the dwelling coverage amount. Florida law mandates insurers provide a range of deductible options. At MAC Legal, we guide our clients through these details, emphasizing the importance of understanding every aspect of their hurricane insurance policy.

Common Policy Adjustments and Agent Oversights

We also review the most common insurance policies in Florida, which can alter the types of hurricane coverage an insured has to help them after the storm. Sometimes, insurance agents fail to explain the coverage to property owners, or the limitations of that coverage. At MAC Legal, we guide our clients through these details, emphasizing the importance of understanding every aspect of their hurricane damage insurance policy.

Ready for Recovery?

Choose MAC Legal P.A. and take the first step towards resolving your property damage claim. 

Steps to Take Immediately After Hurricane Damage

Documenting the Damage

After a hurricane, start documenting the damage as soon as it’s safe. Take extensive photographs and videos of all affected areas, both inside and outside your home. Keep a detailed inventory of all damaged or destroyed items.

Contacting Your Insurance Company

Notify your insurance company about the damage promptly. Ensure all communications with your insurance are documented, including dates and details of conversations.

At MAC Legal, we assist you every step of the way, from reviewing your insurance policy to helping you navigate the claims process with your insurer.

NAVIGATE PROPERTY DAMAGE WITH CONFIDENCE

Contact us today to get started on your path towards resolution.

Filing Hurricane Insurance Claims

Gathering Necessary Documents

Start gathering all necessary documents for filing your insurance claim, including your policy number, the address of the damaged property, and a reliable contact number.

Submitting the Claim

Submit your claim by completing the necessary claim forms and providing your insurance company with detailed information about the damage. An adjuster will be assigned to assess the damage and schedule an inspection.

Dealing with Insurance Adjusters and Denials

How to Communicate Effectively

up important discussions with an email summarizing the conversation.When dealing with insurance adjusters, keep communication clear and documented. Follow

What to Do If Your Claim is Denied

If your hurricane damage claim is denied, review the denial letter carefully to understand the insurer’s reasons. Gather more evidence and documentation to support your claim. If needed, seek legal advice. Our lawyers specialize in navigating these complex situations, offering guidance and representation in further negotiations or legal proceedings.

Storm happened in your area? Notify our team now!

Financial Obligations

At MAC Legal, we understand the financial burdens that can come with hurricane damage. To alleviate some of this stress, we offer our services with no upfront costs.

  • 25% of the pre-suit resolution and costs (this would be the estimator).
  • 33% of the recovery in litigation plus costs, unless otherwise negotiated with the carrier.

This means you have 0 financial obligations or upfront costs until your claim is complete and the settlement is received from your insurance company.

Affected by Hurricanes in Florida?

Choose MAC Legal P.A. and take the first step towards resolving your property damage or hurricane damage claim. Contact us today to get started on your path towards resolution!

Schedule a Free Consultation Today!

Every property insurance claims case is different, and so is our approach, ensuring your needs are met. We’re committed to achieving the best possible outcome for you!

Client Success Stories

At MAC Legal, we emphasize the importance of choosing us to file, report, and process your claim. The benefit of partnering with us is our one-stop shop approach—no double fee splitting or hidden charges. With one set of fees, you only pay if you recover, and you have one dedicated team fighting for you from start to finish. We stand by our clients throughout this process, ensuring that they have all the support they need to navigate these challenging times.

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