Record Rainstorm Causes Devastation in Broward County, Florida: The Importance of Comprehensive Insurance Coverage

A record-breaking rainstorm recently wreaked havoc in Broward County, Florida, leaving a trail of destruction in its wake. The deluge, which experts have called a once-in-a-century event, overwhelmed the region's infrastructure, flooded roads, and damaged or destroyed countless cars. This catastrophe serves as a powerful reminder of the importance of having the right insurance coverage to protect your vehicle and finances against the unpredictable nature of weather-related incidents. The Rainstorm's Impact on Broward County The torrential downpour began on Friday and continued through the weekend, dumping an astonishing 20 inches of rain on Broward County in just 48 hours. The intense precipitation led to widespread flooding, which submerged vehicles, blocked roads, and caused several traffic accidents. Many residents, unprepared for such extreme weather, were left to deal with the aftermath of the storm's destructive power. As the floodwaters receded, the extent of the damage became...

Navigating Insurance Claims After the Record Rainstorm in Broward County: Why You Need an Insurance Lawyer

Broward County, Florida, experienced a record-breaking rainstorm recently, leaving a trail of destruction and chaos. The relentless downpour caused flash floods, uprooted trees, and submerged many cars in deep floodwaters. While residents are now grappling with the aftermath of the unprecedented rainfall, numerous car owners are finding it challenging to navigate the insurance claim process. As insurance companies are swamped with claims, some auto damage claims have been denied, leaving vehicle owners feeling helpless. This article will explore the damage inflicted by the recent rainstorm and discuss the benefits of hiring an insurance lawyer when faced with a storm-related auto damage claim denial. The Devastating Rainstorm in Broward County Meteorologists have reported that the rainfall in Broward County reached historic levels, with some areas experiencing more than 15 inches of rain in just 48 hours. The deluge caused severe flash floods, which inundated streets, homes, and busin...

Broward County Rainstorm Havoc: A Closer Look at the Automobile Damage and the Need for Insurance Lawyers

The recent record-breaking rainstorm in Broward County, Florida, unleashed unprecedented flooding, causing extensive damage to vehicles throughout the region. As a result, many car owners are seeking the assistance of insurance lawyers to help them navigate the complex claims process and ensure they receive the compensation they deserve. This article delves into the extent of the damage caused by the Broward County rainstorm, the challenges faced by affected car owners, and the importance of engaging experienced insurance lawyers in such circumstances. Automobile Damage: A Snapshot of the Rainstorm's Impact The torrential downpour in Broward County led to flash floods, leaving vehicles submerged in water, stranded on roads, and even swept away by the powerful currents. Cars experienced various degrees of damage, ranging from waterlogged interiors and compromised electrical systems to corrosion and engine damage. The sheer volume of affected vehicles overwhelmed insurance companies, le...

Is Your Car Insurance Company Acting in Bad Faith? A Guide for Broward County Rainstorm Victims

The recent rainstorm in Broward County, Florida has caused immense flooding and damage to numerous automobiles, leaving many car owners to rely on their insurance companies for assistance. In the wake of this disaster, it's crucial for policyholders to be vigilant and ensure that their insurance companies are acting in good faith. This article will guide you on how to identify bad faith practices by your car insurance company and understand your rights as a policyholder. Unraveling the signs of bad faith practices after the recent Broward County rainstorm and understanding your rights as a policyholder Slow or no response to your claim After a natural disaster like the Broward County rainstorm, insurance companies may be swamped with claims. However, this does not excuse a slow or non-existent response to your claim. A good faith insurance company will prioritize processing claims and keep you updated on the progress. If your insurer is not responding to your inquiries or making an ef...

The Record Rainstorm in Broward County Florida: What to Do Immediately After Your Vehicle Has Been Damaged in a Storm

The recent record rainstorm in Broward County, Florida, has left many people dealing with significant damage to their automobiles. With cars flooded and streets littered with debris, vehicle owners are facing the daunting task of filing insurance claims and seeking compensation for the damage incurred. In this article, we will discuss the importance of hiring insurance lawyers, such as Leader, Leader & Zucker, PLLC, to help you navigate the complex world of insurance claims and ensure you receive the compensation you deserve. Common Rainstorm-Related Auto Damages and Insurance Claims The recent rainstorm in Broward County, Florida, has caused various types of auto damage, leading to numerous insurance claims being filed. Some of the most common types of auto damage and associated insurance claims resulting from such a rainstorm include: Flood damage: Prolonged heavy rainfall can cause flooding, resulting in vehicles being partially or fully submerged in water. Flood damage can ...

Hurricane Ian and Roof Damage

Hurricane Irma Insurance Claims

Fort Lauderdale, FL – On September 28, 2022 Hurricane Ian made landfall on Florida’s Gulf coast as one of the most powerful storms to hit the U.S.  Ian brought with it catastrophic 150 mph winds, heavy rainfall and storm surge to the Gulf Coast and impacted much of the state with heavy rainfall and hurricane force winds. Early indications are that Ian will be one of the costliest storms on record, with potential losses now estimated at approximately $70 billion.  If your property suffered damage from Ian you may be wondering what to do now.

The first step after you have suffered a loss to your home or business is to document all of the visible damages you can see with photographs and video if possible.  Walk through your property on the interior and inspect the interior rooms for signs of water damage.  Inspect all of your furniture and personal possessions for damage.  On the exterior, walk the perimeter of the home and inspect the walls, gutters, and grounds. You may see damage to your roof from ground level.  Do not attempt to get onto your roof unless you are experienced in doing so.   Save all photographs so you can submit them to your insurance company.  Do not throw anything out at this time.  Keep all damaged property until your claim has been inspected by the insurance company’s adjuster.

Making a Claim for Loss Assessment Coverage

Felonies

FORT LAUDERDALE, Florida. If you own a condo, two major insurance policies will cover you for losses. There will be your condo association’s HO-6 insurance coverage that protects against damage to the common areas and the building, and there will be your personal condo insurance coverage which will protect your unit and the items inside it. However, there is additional coverage you can purchase, known as loss assessment coverage. Loss assessment coverage can protect you if damages to common areas in your building exceed the condo association’s insurance policy.

If, for example, your building is damaged in a natural disaster, or if common property areas need repairs due to an unforeseen event, or someone suffers a serious personal injury in common areas, your association may need to make a claim against its HO-6 insurance policy. However, if damages exceed the policy’s limits, each owner may be issued an assessment to cover the difference. While HO-6 policies tend to have high limits, these policies may still require condo owners to sometimes pay high deductibles before the insurance coverage begins. Loss assessment coverage is personal insurance coverage you can purchase to cover this difference. According to the Balance, loss assessment coverage can protect you if the condo’s common areas suffer damages, if there is an injury on shared property, or if you are asked to pay a deductible. In fact, according to the Balance, loss assessment coverage can protect you from high deductibles many HOA’s HO-6 policies require. The Balance notes that deductibles can range from $5,000 and up.

When an Adjuster’s Estimate Doesn’t Match Contractor’s Estimate for Property Insurance Claims

FORT LAUDERDALE, Florida. If your home has been damaged due to a natural disaster or due to another reason covered by your insurance policy, you may be in the process of making an insurance claim. You may be asking contractors to give you estimates of repairs or asking for estimates for the cost to rebuild. But what happens when the estimates contractors provide differs from the estimates insurance adjusters are willing to pay? According to United Policyholders, you are entitled to receive a settlement that allows you to restore your home to its pre-damaged condition. One of the biggest challenges will be in documenting your home’s pre-damaged condition to adjusters. For example, an adjuster might not want to offer money to pay 100% for a roof repair if your home was already due for a new roofing job in one year. An adjuster might similarly not want to pay for new windows if your windows already needed repair before the storm hit. However, if you kept your roof and windows repaired...

What is Covered in Your Standard Homeowner’s Insurance Policy?

FORT LAUDERDALE, Florida. According to the Insurance Information Institute, a standard homeowner’s insurance policy will cover damage to your home due to natural disasters. Standard homeowner’s insurance includes coverage to repair your home’s structure, coverage to replace damaged belongings, and liability protection. Standard homeowner’s insurance may also cover your living expenses should you be displaced from your home due to a fire or a natural disaster. It is important to understand what is and isn’t covered by a standard homeowner’s insurance policy. Damage to your home due to hurricanes, lightning, hail, or fire is often covered by a standard policy. However, standard policies won’t cover you for all natural disasters. Flood and earthquake damage is not often covered by standard policies, so if you live in a flood-prone area, you may need to purchase additional coverage.  Furthermore, there are a lot of limits and exclusions placed in policies that many policy ...

Damage to Your Condo? Which Insurance is Responsible for Your Claim: Your Unit Insurance or the Condo Association Insurance?

FORT LAUDERDALE, Florida. If you own a condo, there are typically two types of insurance claims you might find yourself negotiating: your condo association’s insurance policy, also known as an HO6 and your individual unit insurance. According to SFGate, your association’s policy will generally cover common areas in your building and the building’s external walls. Any damages that occur inside your unit should be covered by your unit insurance policy. Like homeowner’s insurance, most condo association policies don’t automatically cover the building for flood damage. If you are in a flood zone, your condo association will also be required to have a flood policy if your building is located in a flood area. Federal lending requirements also require condo associations to have coverage for bodily injury damages and property damage claims. So, how do you know which claim you should be making? First, the association will generally make claims against the HO6, so individual condo ow...

GET ANSWERS TO ALL YOUR QUESTIONS

What Our Clients Say

handled my case swiftly and professionally
Michael Leader really came through for me in my time of need. He handled my case swiftly and professionally. His staff was courteous and very helpful. They answered all my questions right away. I would not hesitate to use his services and expertise in the future!
They help the little guy and bring justice
They help the little guy and bring justice
I cannot say enough good things about this team
Michael Leader and Anita were not only amazing but kind. I cannot say enough good things about this team. I not only won my case but their kindness was unbelievable. Michael is an unbelievable lawyer and I would recommend him to everyone.
More Clients Review
/01
Hurricane Insurance Claims
/02
Hurricane Irma Insurance Claims
/03
Storm Damage Defense
/04
Water Damage