Why was my Hurricane Damage Claim Denied?

Florida Hurricanes and Insurance Claim Denials

Once again we have entered into Florida’s rainy season where our state experiences truly massive amounts of storms. As a consequence of this season, Floridians also experience the destructive power of hurricanes that power across the warm waters of the Caribbean. Hurricane season is a dreaded time for most Floridians but most of us have made preparations whether in the form of emergency supplies, evacuation plans, and most importantly insurance policies were taken out to protect our property. In the aftermath of a hurricane picking up the pieces is a difficult ordeal but this can be made even worse when the insurance company you put your faith into denies your hurricane damage claim.

Florida Hurricane Damage Claims

Eberst Law specializes in assisting those that pursue compensation for hurricane damages. Handling a claim on your own can often be a daunting task. Speaking to the insurance company can often come with all kinds of pitfalls where they may try to trick you into saying things that can damage the credibility of your claim. Eberst Law can assist you in proving the credibility of your claim and negotiating with the insurance company. Our lawyers specialize in handling matters such as these and will give your claim the attention and expertise it needs to recover you compensation that can help get you back on your feet. Your claim may have been denied by the insurance company but that doesn’t mean that there is no hope. Enlisting the assistance of Eberst Law can give your claim a chance at getting you the money that you need to help cover damages caused by flooding, debris, wind damage and much more. Contact Eberst Law at 352-269-0017 or contact us online.

Why Was My Hurricane Damage Claim Denied?

The damage caused by hurricanes can cause massive damage to a person’s property and significantly drain their finances. Making a claim with your insurance company is not a sure way to ensure that you get the money that you need to cover these damages. The insurance company can easily deny your hurricane damage claim for the following reasons.

You Don’t Have Coverage

Having a homeowners insurance policy does not guarantee that you will have coverage for all the different kinds of damage that can occur because of a hurricane. Floodwaters caused by hurricane storm surge may not be covered by your insurance policy. Many standard homeowner’s insurance policies do not cover flooding damage which often requires its own separate policy. Always be 100% sure about what exactly your insurance policy covers and alter your policy as needed depending on risk.

You Reached Your Coverage Limit

When insuring your home it is important to keep the level of coverage in mind. Many people make the mistake of underinsuring their home so when they suffer severe hurricane damage, the insurance policy does not have enough of a coverage limit to handle all of the damage. This is often grounds for an insurance company to deny a homeowner’s claim. Insurance companies will only pay out the amount specified in an insurance policy and leave the difference to be paid by the homeowner when the damages exceed the limit.

You Didn’t Document Damages

A very important aspect of hurricane insurance claims is being able to back up your claims with evidence of property damage. The insurance company will question any claims of damage you make unless you present credible evidence. This means that homeowners will have to make sure that they document the integrity of their property before and after a hurricane damages it. This can be done with pictures of the property or video to provide proof that it was damaged.

Consider Eberst Law as Your Hurricane Damage Claim Attorney

If you or a loved one have been through a hurricane and suffered severe damage to your property as a result of this kind of natural disaster then you may be attempting to recoup your losses by filing a claim with your insurance company. What many people do not realize is that these insurance companies will deny many more claims than many expect which can include you. The lawyers of Eberst Law can assist you in dealing with denied insurance claims and help you get the money you need to get back on your feet.

When you enlist the aid of Eberst Law, you ensure that your claim is given the best chance possible at getting you the money that you need. Our lawyers have the experience and knowledge to provide the professional legal services that people have come to expect of a firm like ours. To contact Eberst Law about what we can do for you and your claim either contact us online or call our Gainesville office at 352-269-0017.

Stuart, Florida Office

101 SE Martin Luther King Jr Blvd

Stuart, FL 34994


Gainesville, Florida Office

716 E. University Avenue

Gainesville, FL 32601


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Attorney Jon Eberst

Attorney Jon Eberst

Jonathan Eberst, the driving force behind The Eberst Law Firm, is known in his community and across Florida for knowledge and skill in the personal injury industry. Respected for his friendly and help attitude, he has consistently helped thousands of clients, ensuring their rights are upheld. Jon's profound expertise makes him a sought-after voice in the legal community, both online and in-person.

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