According to the Tampa Bay Times, residents across the Florida panhandle still continue to struggle with clearing debris from Hurricane Michael. The newspaper article reports that millions of acres across Florida remain cluttered by the debris of toppled trees and the garbage from damaged structures and homes. Twisted metal and piles of garbage in some areas have yet to be cleared. Debris from the storm has been blamed for stronger wildfires in the panhandle due to downed trees that have not been cleared. Flooding has been attributed to clogged waterways due to debris. When waterways are blocked by fallen trees, other areas that had been previously dry can flood, as water levels rise.
Are you still struggling to clear debris from your property after hurricane Michael hit? Your homeowner’s insurance policy may cover you for certain kinds of debris removal, especially if the debris was the result of the storm. Many homeowners struggle with debris removal because they are facing so many expenses due to damage from the storm. However, debris can create hazardous conditions on your property and can also become projectiles should another storm hit. However, many homeowners continue to struggle and wait for their homeowner’s insurance companies to settle with them. Some homeowners have had to make tough decisions about which repairs are critical and which ones can wait. If debris removal continues to be an issue, or if you are still struggling with your homeowner’s insurance claim after hurricane Michael, you may want to reach out to a hurricane insurance claim lawyer like Leader, Leader, & Zucker, PLLC in Fort Lauderdale, Florida today.
Understanding Debris Removal Claims After a Hurricane
While your homeowner’s insurance policy may cover debris removal if the debris was caused by a covered peril under your policy (wind, fire, hurricane), there may be limits to how much your insurance company will pay to remove debris. Debris removal and cleanup becomes an important issue if your home was completely destroyed in a hurricane, and it can sometimes be a point of contention when homeowners are negotiating insurance settlements. After all, before you can rebuild your home, you’ll first need to clean up debris.
Homeowners insurance should pay for some part of debris removal, but if there is quite a bit of debris to be removed, or if the removal process is complex and costly, your coverage may not always cover all the costs of debris removal. Most homeowner’s insurance policies will cover debris removal costs that amount to 25% of the cost of the physical damage to your home. So, if your loss was valued at $100,000, you may be entitled to receive up to $25,000 in debris removal, plus or minus your deductible. When negotiating money for debris removal, it is important to first make sure that the value of your total damages are accurately calculated. These can sometimes be miscalculated due to errors on the part of the adjuster, or because the adjuster might have used a computer program that looks at estimates and not the actual costs of losses. When negotiating with insurance companies about the value of your claim, it can sometimes be helpful to have a hurricane insurance claim lawyer on your side to review your damages, estimate the value of your claim, and fight to help you get the settlement you may deserve. Leader, Leader, & Zucker, PLLC are hurricane insurance claims lawyers in Fort Lauderdale, Florida who may be able to help. Many claims remain unsettled due to disputes about the settlement amounts.
Debris removal is often classified under “additional coverage” under your homeowners insurance policy. So, if you are not sure what is or isn’t covered when it comes to debris removal, it might be best to start by reading your additional coverage section. Having trouble understanding your homeowner’s insurance policy? Reach out to Leader, Leader, & Zucker, PLLC today.
Having Trouble Paying for Debris Removal After a Hurricane?
If you are like some Florida residents who are still having problems paying for debris removal after a hurricane, you may have questions about what is and isn’t covered by your homeowner’s insurance policy and may have questions about whether the settlement homeowner’s insurance is offering is the amount you might be entitled to receive. Leader, Leader, & Zucker, PLLC are hurricane insurance claims lawyers in Fort Lauderdale, Florida who may be able to help you if you still have debris that needs to be removed. Our attorneys may be able to fight to get homeowner’s insurance to pay for debris removal or help you understand what is and isn’t covered under your policy. Contact us today to learn more. Or, reach out to USAttorneys.com to get connected with a lawyer at Leader, Leader, & Zucker, PLLC today.