Miami Insurance Claim Lawyer Storm Hurricane Damage Lawyer
High-velocity winds from hurricanes, tropical storms, or even thunderstorms can wreak havoc on your Miami property. Aside from the visible damages to your property, like trees falling, your roof being blown off, or your fence falling down, there can be hidden damages to your property as well.
The first thing you may think after your home suffering from property damages after a storm is that your homeowner’s insurance policy will cover it. However, the truth is that these policies can contain ambiguous exclusions or limitations that could lead to your claim being denied. Our Miami Storm and Hurricane Damage Claims Lawyers at Whittel & Melton are prepared to handle insurance claims involving wind, hurricane, hail, tropical storm, and thunderstorm damage claims and help policyholders recover the full and fair compensation they are rightfully owed so that they can make the necessary repairs to their home. What is rightfully owed? If your insurance claim has been delayed or flat out denied, we urge you to call us now at 866-608-5529 or contact us online to arrange a free consultation.Wind Damage in Miami
People often think of hurricanes or tornadoes when it comes to wind damage to a property and while this is true, any kind of storm that has high winds can damage your property. Wind damage can happen from a severe thunderstorm with what is known as “straight-line” winds that travel at speeds in excess of 50-60 mph. Likewise, severe thunderstorms can also generate downdrafts that can gain speeds of 100 mph.
Roofs are usually the most susceptible structures to strong winds, debris, fallen trees, and other projectiles during a storm. But, hurricane, hail and strong winds can also damage chimneys, windows, siding, brick work, gutters, exterior paint, fences and any trees and landscaping.Breakdown of Wind Speeds
- Gale Force Winds: Speeds are classified as 39-46 mph and do not usually cause any structural damage to properties, but these wind speeds can lead to small tree limbs and branches breaking.
- Strong Gale Force Winds: Speeds are classified as 45-57 mph and can cause tree branches and limbs to break and roof shingles to loosen or be blown off.
- Whole Gale Force Winds: Speeds are classified as 55-63 mph and can caused smaller trees to become uprooted or blown over and result in considerable property damage.
- Storm Force Winds: Speeds are classified as 64-75 mph and can result in large trees being uprooted and widespread structural damages.
- Hurricane Force Winds: Speeds are classified as over 75 mph can result in roofs being blown off entirely, windows breaking, mobile homes and RV’s being flipped, and other severe types of property damage.
- First and foremost, you want to make sure that you and all of your loved ones are safe and that there are no storm hazards that could jeopardize your family’s safety once you have returned home. Check for downed power lines, look for flood water, debris and other dangers, and check all electric or gas appliances for damage.
- Take pictures of all property damage, including interior and exterior damages. From here, you will want to create an inventory list of all possessions and property that have been damaged. You will need to gather all of your receipts or proof of payment of your damaged items.
- Next, you will want to file a claim with your insurance provider. When doing this, make sure to keep records of all documents and conversations you have had with the adjuster assigned to your case and anyone else from the insurance company. Make sure to get names, dates and summaries of all interactions.
- Once a claim has been made, you can proceed with contacting trusted contractors to inspect your property for damages and write bids for the repairs.
- Lastly, you should consider speaking with our Miami Storm and Hurricane Damage Claims Lawyers at Whittel & Melton. You can call us at 866-608-5529 or contact us online 24/7 for a free consultation.
Most Miami property owners find that they are met with some resistance from their insurance provider once they have filed a claim for damages. We have experience interpreting the ins and outs of storm damage claims and can help answer any questions you have about your policy coverages, help you understand what to do when your insurance adjuster has estimated repair costs that are much lower than you anticipated, help you with damages that are quite extensive and as a result have led to a more complex claim, and assist with claims that have been delayed or denied.
Our Miami Storm and Hurricane Damage Claims Lawyers at Whittel & Melton know how badly a hurricane or severe storm can disrupt your life. Your home is your shelter and when you are dealing with an insurance company who is making your home repairs much harder than they should be, we can help. Call us now at 866-608-5529 or contact us online to get the help you need.