Bonita Springs Hurricane Ian Insurance Claim Lawyers

The Bonita Springs, Florida hurricane Ian insurance claims lawyers at Leader, Leader, & Zucker, PLLC can help you if your homeowner’s insurance claim was denied, delayed, or underpaid. Hurricane Ian was the deadliest hurricane to strike Florida since 1935. The hurricane caused major flood and wind damage across Florida, and widespread devastation in key areas of the state. Bonita Springs, Florida was an area that was particularly hard-hit. The damage was so extensive that the bridge to Fort Myers was destroyed.

If you suffered property damage in hurricane Ian in Bonita Springs, Florida, and have homeowner’s insurance, you may have the right to make a claim. If you have homeowner’s insurance, you also have the right to have your claim adjusted and paid in a timely manner. Reports indicate that given widespread flooding and downed power lines, it could take weeks to properly assess the damage. The process of rebuilding is likely to take some time. If your home was damaged, you might be wondering how you’ll pay for repairs, may not be able to return to your home, and may be wondering what your next steps should be. Right now, making a claim and submitting your proof of loss is most important because it starts the clock on when your insurance company needs to settle your claim.

Homeowner’s insurance companies have a legal obligation to honor your insurance contract and pay you the settlement amount you are entitled to receive. Yet, sometimes insurance adjusters may use formulas or algorithms to arrive at an estimate of damages. These estimates may not always account for all the costs of repair, or may not account for inflation or demand on contractors after a storm. If the settlement an insurance adjuster is offering you is lower than what you believe you deserve, you may want to reach out to the hurricane Ian insurance claim lawyer in Bonita Springs, Florida at Leader, Leader, & Zucker, PLLC today.

Hurricane Ian Insurance Claims Denial Lawyer in Bonita Springs, Florida

The hurricane Ian insurance claim denial lawyer in Bonita Springs, Florida may be able to help you if your insurance claim was denied. If your insurance claim was denied, you have the right to appeal the denial. As a homeowner with a policy, you have important rights under Florida’s homeowner’s claim bill of rights. These rights include:

• The right to have your claim acknowledged within 14 days of notifying your insurance company that your property was damaged.
• The right to be informed within 30 days of submitting your proof of loss whether your claim was denied, partially covered, covered in full, or under investigation.
• The right to receive either full payment for your claim, partial payment for the undisputed part of your claim, or written denial of your claim within 90 days of submitting your proof of loss.

If you’ve already informed your insurance company that your property was damaged during hurricane Ian, the clock may already be ticking for your insurance company to acknowledge your claim. If you haven’t yet let your insurance company know that your property was damaged, now might be the time to contact your insurance company. You may only have a limited time to make a claim after a hurricane. It is also important to submit your proof of loss statement as soon as possible because your insurance company will be required to either pay your claim in full, pay the undisputed portion of your claim, or provide you a written letter that the claim was denied. The sooner you file your proof of loss, the sooner you can receive payment for your claim.

If your hurricane Ian insurance claim was denied and you either don’t understand why the claim was denied or disagree with your insurance company’s reasons for the denial, you may want to speak to a hurricane Ian insurance claim denial attorney in Bonita Springs, Florida today. If your claim was wrongfully denied, you may be entitled to receive payment for the settlement and also interest payments for the delay. The Bonita Springs, Florida hurricane Ian insurance claim denial lawyers at Leader, Leader, & Zucker, PLLC may be able to help you navigate the appeals process and fight to help you get the settlement you might be entitled to receive under the law.

Hurricane Ian Homeowner’s Insurance Claims Denial Lawyers in Bonita Springs, Florida

The hurricane Ian homeowner’s insurance claims denial lawyers in Bonita Springs, Florida works with families whose homeowner’s insurance claims have been denied or underpaid. There are many reasons why your homeowner’s insurance claim might be denied. Understanding the find print of your policy and your rights is essential to knowing whether your claim was legitimately denied or denied in bad faith. Here are some reasons why a hurricane Ian insurance claim might be denied:

• You Don’t Have Flood Insurance. Standard homeowner’s insurance policies don’t cover flood damage. To have flood damage coverage, you’ll need to have purchased this coverage separately. Flood insurance is managed through the National Flood Insurance Program. If you live in a flood zone, you can purchase flood insurance through this program. But in order to have coverage, you must have had this coverage in place before hurricane Ian struck Florida. Unfortunately, flood zone maps aren’t always updated as frequently as they should be, and families might find themselves living in areas that get flooded in a major hurricane, but without the flood insurance that they need to cover damages. Water damage claims can also get more complicated if you don’t have flood insurance because some policies might exclude coverage for all water damage if flood damage was involved. Other policies might cover certain types of water damage, but it can sometimes be difficult to assess the source of damage. Understanding your coverage, exclusions, and limitations is important when appealing a denied homeowner’s insurance claim. If you need help appealing a denied claim, reach out to the Bonita Springs, Florida hurricane Ian homeowner’s insurance claim denial lawyer at Leader, Leader, & Zucker, PLLC.
• Lapsed Coverage. If you missed payments for your coverage, you may find your claim denied. Sometimes people might think they have coverage, but may not in fact, have coverage. Unfortunately, sometimes a homeowner’s insurance company might claim that you didn’t make a payment on time or claim that your coverage has lapsed to deny your claim. This could be a situation of insurance bad faith or a situation where the insurance company lost key documentation. If your homeowner’s insurance company is claiming that your coverage has lapsed, and you believe you should still have coverage, you may want to speak to the hurricane Ian homeowner’s insurance claim denial attorneys at Leader, Leader, & Zucker, PLLC. We may be able to provide the documentation required to show that your coverage is still in effect.
• Missed Deadlines. You are required to inform your homeowner’s insurance company that your property was damaged in a timely manner and have a responsibility to submit proof of loss forms within certain timeframes. If you miss these key deadlines, your claim could be denied.
• Failing to Secure Your Property After a Storm. After a storm, you have a responsibility to take steps to secure your property to prevent further damage. This may mean boarding up broken windows so more water doesn’t get in, putting a tarp on a roof to protect the interior of your house, or turning off utilities if you can no longer live in your home. If you failed to secure your property after a storm and your home was further damaged after the storm, you could be on the hook for these damages not related to hurricane Ian. Of course, the situation is more complicated for homeowners who were cut off from their homes due to the destruction of bridges during the storm. If you find yourself facing a denied claim because your insurance company is claiming you failed to secure your property, the Bonita Springs, Florida hurricane Ian homeowner’s insurance claim denial attorneys at Leader, Leader, & Zucker, PLLC may be able to help you.
• Failure to Document Losses. Your insurance company may request quotes for repairs, photos of damage, and other documentation to prove your loss. If you cannot provide this documentation, your claim might be denied. If your claim was denied due to poor documentation, a hurricane Ian homeowner’s insurance claim denial lawyer at Leader, Leader, & Zucker, PLLC may be able to help you put together the documentation to receive the settlement you may deserve.
• Insurance Bad Faith. Insurance companies have a legal obligation to honor your insurance contract. Unfortunately, sometimes insurance companies might misrepresent you policy or fail to properly investigate your claim. Insurance companies might also be facing a deluge of claims following hurricane Ian and their adjusters may be overworked and stretched thin. This is still no excuse for failing to properly adjust or assess your claim. If you believe you may have been a victim of insurance bad faith, the Bonita Springs, Florida hurricane Ian homeowner’s insurance claim denial lawyers at Leader, Leader, & Zucker, PLLC may be able to help.

If your hurricane Ian insurance claim was denied, you may have the right to appeal. The appeals process can sometimes get complicated. A hurricane Ian homeowner’s insurance claim denial lawyer at Leader, Leader, & Zucker, PLLC may be able to help you appeal your denied claim.

How a Hurricane Ian Property Damage Insurance Claim Lawyer in Bonita Springs, Florida Can Help You

The process of rebuilding after hurricane Ian will likely take years. Part of the challenge families will face in the rebuilding is getting paid for their hurricane property damage claims. If the settlement your homeowner’s insurance company is offering is lower than the cost of repairs, or if your hurricane damage claim has been denied, reach out to the hurricane Ian property damage lawyer in Bonita Springs, Florida at Leader, Leader, & Zucker, PLLC today. Our attorneys can review your policy, review your damages, and negotiate with insurance companies to help you and your family get the settlement you may deserve under the law.

Contact a Hurricane Ian Property Damage Lawyer in Bonita Springs, Florida Today

If your hurricane Ian homeowner’s insurance claim has been denied or delayed, you may only have a limited time to appeal the denial. Reach out to Leader, Leader, & Zucker, PLLC, hurricane Ian property damage lawyers in Bonita Springs, Florida. We can help you every step of the way through the appeals process or assist you with negotiating the settlement you may deserve from your homeowner’s insurance company.