Bradenton Hurricane Ian Insurance Claims Lawyers

leader lawThe Bradenton, Florida hurricane Ian insurance claims lawyers at Leader, Leader, & Zucker, PLLC are here to help you appeal a denied or underpaid homeowner’s insurance claim. One of the most stressful aspects of the rebuilding process involved making a homeowner’s insurance claim. Will your hurricane Ian homeowner’s insurance claim be covered in full, or only partially covered? Will it be denied? Homeowners rely on insurance settlements to repair and rebuild their homes. The Bradenton, Florida hurricane Ian insurance claims lawyers at Leader, Leader, & Zucker, PLLC understand the unique challenges that homeowners are facing in the aftermath of a storm.

Hurricane Ian caused widespread devastation and property damage across Florida and was one of the deadliest hurricanes to hit Florida in nearly 100 years. Reports indicate that residents of Bradenton, Florida sustained as much as $56 million in property damages due to hurricane Ian. The hurricane damaged government buildings and schools resulting in widespread closures due to damage. Damages included destroyed roofs, broken windows, and more.

If your home was damaged in hurricane Ian in Bradenton, Florida, you might be in the process of making an insurance claim or submitting a proof of loss form. In the weeks to come, many homeowners will find that their insurance claim has either been denied, or they may learn that they are receiving less money than they expected. If your homeowner’s insurance claim was denied or underpaid in the wake of hurricane Ian, you are not alone. You also have the right to appeal a denied claim. The Bradenton, Florida hurricane Ian insurance claim lawyers at Leader, Leader, & Zucker, PLLC are here to help you navigate the appeals process. We can read the fine print of your policy, help you understand your rights, estimate your settlement amount, and help you fight for the settlement you might deserve.

Claim Denied? A Hurricane Ian Insurance Claim Denial Lawyer in Bradenton, Florida May Be Able to Help

There are many reasons why a hurricane Ian homeowner’s insurance claim might be denied or underpaid. The hurricane Ian insurance claim denial lawyers in Bradenton, Florida at Leader, Leader, & Zucker, PLLC can evaluate your claim and help you appeal a denied or underpaid claim so you can receive the settlement you need to rebuild your life. Why might a homeowners’ insurance claim be denied? Here are some reasons:

  • Flood Damage. Standard homeowner’s insurance policies don’t cover flood damage claims. The National Flood Insurance Program provides coverage for people who live in flood zones. In order to qualify for this government-backed insurance coverage, you need to live in a flood zone. Yet, as storms become more intense and as flood zones expand, flood maps don’t always keep up with the potential for flooding in certain areas. If your home was damaged due to flooding, and you don’t have flood insurance, water damage due to flooding won’t be covered. To make matters even more complicated, while standard homeowner’s insurance covers water damage due to hurricanes, if your home was flooded, your policy may include a provision that excludes all water damage if your home was damaged due to floodwaters. This is because it can be sometimes difficult to distinguish between water damage due to flood and water damage due to rain, or due to a burst pipe in a storm. Yet, if your homeowner’s insurance policy doesn’t exclude water damage if flooding was a factor, you may still be able to make a partial claim for water damage. This can get complicated, because adjusters might make one water damage determination while you and your private adjuster may make another. At the end of the day, water damage can be a very costly aspect of hurricane damage. If your homeowner’s insurance company has wrongfully claimed your home was flooded (and it only suffered rain damage), or if you’re having trouble distinguishing between water damage and flood damage for settlement purposes, a hurricane Ian insurance claim denial lawyer in Bradenton, Florida at Leader, Leader, & Zucker, PLLC may be able to help you.
  • Submitting your claim on time is important. If you failed to submit proof of loss forms on time or failed to inform your homeowner’s insurance company about damages, your claim might be denied. Yet, it is important to keep in mind that insurance adjusters are being flooded with claims in the aftermath of hurricane Ian. Documents can get lost. Mistakes can be made. If your homeowner’s insurance company is claiming that you didn’t submit forms on time, and you know you did, and your claim is being denied as a result, reach out to the hurricane Ian insurance claim denial lawyer in Bradenton, Florida at Leader, Leader, & Zucker, PLLC today. We can help gather together the documentation you might need to support your claim.
  • Lapsed Coverage. If you failed to pay premiums on time or didn’t renew your coverage, your coverage might have lapsed. You might make a claim only to learn that there’s no insurance coverage to speak of. Yet, again, in the aftermath of hurricane Ian, insurance adjusters will likely be handling many claims at once. Mistakes can be made. If you know you paid your premiums on time and renewed coverage but your insurance company is wrongfully telling you that coverage lapsed, the hurricane Ian insurance claim denial lawyer in Bradenton, Florida at Leader, Leader, & Zucker, PLLC may be able to help you.
  • Making Temporary Repairs. In the aftermath of a hurricane that caused damage to a roof or windows, or property, you may have the responsibility to take steps to ensure that more property isn’t damaged. This might mean putting a tarp on your roof, boarding up windows, or putting undamaged property in storage if your home was seriously damaged. Failing to take these steps could result in a denied claim if property was further damaged after the storm. Hurricane Ian raised unique challenges for homeowners, though. Bridges were destroyed and many homeowners were simply unable to or weren’t permitted to return to their homes for safety reasons. If this describes your situation, your insurance company may need to take this into account. Furthermore, if your homeowner’s insurance adjuster is claiming that damage happened after the storm when you know it happened due to hurricane Ian, you may also have a right to appeal a denied claim. The Bradenton, Florida hurricane Ian insurance claim denial lawyer at Leader, Leader, & Zucker, PLLC is here to help you if your claim has been denied or underpaid.
  • Type of Coverage. There are two main types of insurance coverage and the type of insurance coverage you have will determine how much of your damages will be covered. When it comes to insurance coverage there’s replacement cost insurance and actual cash value insurance. With actual cash value insurance, your insurance adjuster can depreciate items damaged. If your roof was older, or if an older television was damaged in the storm, these factors might limit the amount of recovery you can receive. Replacement cost insurance doesn’t consider the age of the item. It just considers how much you’ll pay to replace it. Replacement cost insurance can cost more in premiums, but pays you more when you suffer losses. If you aren’t sure what kind of coverage you have, or what fair depreciation might be on your losses, reach out to the Bradenton, Florida hurricane Ian insurance claim denial lawyers at Leader, Leader, & Zucker, PLLC.
  • Bad Faith. Sometimes insurance companies just break the law. They fail to properly investigate claims. They “lose” documents. They misrepresent your coverage. If you believe your insurance company or adjuster is acting in bad faith, the hurricane Ian insurance claim denial lawyers in Bradenton, Florida at Leader, Leader, & Zucker, PLLC may be able to help you.

These are just some of the factors that can determine a denied insurance claim. If your claim was denied or underpaid, reach out to the Bradenton, Florida hurricane Ian insurance claim denial lawyers at Leader, Leader, & Zucker, PLLC. We can help you today.

How A Bradenton, Florida Hurricane Ian Homeowner’s Insurance Claim Denial Lawyer Can Help Protect Your Rights 

When it comes to making your homeowner’s insurance claim, you have rights. A Bradenton, Florida hurricane Ian homeowner’s insurance claim denial lawyer understands your rights and can help protect them. Under the Florida homeowner’s claim bill of rights, you have certain important rights when making a claim. These rights include:

  • The right to have your claim acknowledged within 14 days of having made it.
  • The right to receive notice within 30 days of submitting proof of loss forms informing you whether your claim will be paid in full, partially paid, or denied. Or, if your claim is under investigation, your insurance company must let you know.
  • The right to be paid for your claim within 90 days of submitting your claim. This means full payment, or the undisputed portion of a partial payment. If your claim has been denied, you must receive written notice within 90 days of submitting proof of loss forms.

If your homeowner’s insurance company fails to make payments on time, you may be entitled to collect interest on the late payment. If the insurance company disputes part of the payment and you win, your insurance company may also have to pay interest on the disputed part when the company pays up. Of course, you have important responsibilities, too. In order for your insurance company to be held to these timelines, you must submit proof of loss forms and document your damages. Yet, if your homeowner’s insurance company has failed to meet deadlines, the Bradenton, Florida hurricane Ian homeowner’s insurance claim denial lawyer at Leader, Leader, & Zucker, PLLC may be able to help you.

How a Bradenton, Florida Hurricane Ian Property Damage Lawyer Can Help You Meet Your Responsibilities 

leader lawTo get the claim you deserve, you’ll need to report damages and submit proof of loss forms to your homeowner’s insurance company as soon as possible. At Leader, Leader, & Zucker, PLLC, we are a Bradenton, Florida hurricane Ian property damage law firm that understands how stressful the insurance claim process can be. We can help you if you need to appeal a denied or underpaid claim, helping to make sure you met your responsibilities and properly documented all losses. What are your responsibilities when making a homeowner’s insurance claim? These include:

  • Let your homeowner’s insurance company know your home was damaged in hurricane Ian and submit proof of loss forms by the deadlines.
  • Document all losses.
  • Protect your property from further damage after the storm.
  • Get estimates from licensed contractors.
  • Avoid signing any contracts until your settlement has been approved.

These are just some things to keep in mind in the aftermath of a storm. The Bradenton, Florida hurricane Ian property damage lawyers at Leader, Leader, & Zucker, PLLC are here to help you. You don’t have to navigate the appeals process alone.

Let a Hurricane Ian Property Damage Insurance Claim Lawyer in Bradenton, Florida Help You 

The hurricane Ian property damage insurance claim lawyers in Bradenton, Florida at Leader, Leader, & Zucker, PLLC may be able to help you if your claim was underpaid or denied. Our lawyers understand the unique challenges homeowners face in the aftermath of a serious storm. Insurance adjusters know more about the claim process than homeowners which puts them at an advantage. Leader, Leader, & Zucker, PLLC is a Bradenton, Florida hurricane Ian property damage insurance claim law firm that can tip the balance on your side.

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Michael, Thank you so much for all of our support and diligence over the past seven months. That was the most trying and difficult time of my life. Michael’s legal expertise was top notch.
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Michael, Thank you so much for all of our support and diligence over the past seven months. That was the most trying and difficult time of my life. Michael’s legal expertise was top notch.
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Michael, Thank you so much for all of our support and diligence over the past seven months. That was the most trying and difficult time of my life. Michael’s legal expertise was top notch.
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