In preparation for the start of Florida hurricane season beginning June 1st, our hurricane damage claims attorneys at the Morgan Law Group cannot stress enough how important it is to review your insurance policies and any hurricane coverage you might have prior to any major storms making landfall.
Our Florida insurance claims attorneys understand that some of our residents are still reeling from the damages caused by Hurricane Michael in October 2018 and that some policyholders are still struggling to get the payments they deserve from their insurance companies months after the destruction.
Although the previous hurricane season may not be behind some, proactively reviewing your insurance coverage prior to the start of the 2019 season may help you and your family recover from any potential damage from upcoming hurricanes.
What Should I Look For When Reviewing My Hurricane Insurance Coverage?
Before you can review your hurricane insurance coverage, you must have access to a complete copy of your homeowner’s insurance policy.
Contact your insurance agent or a customer service representative via phone, email, or USPS letter to request a complete copy of your insurance policy, if you do not have one readily available.
Once you have the copy, print it out to ensure you can read through it thoroughly, and highlight any areas where you may have questions regarding what the insurer will and will not cover should your home, business, or other property sustain hurricane damages.
Here’s what to look for.
Does your policy contain coverage for:
- Hurricane damage
- Wind-related damage
- Flood damage
- Hail damage
Ask yourself questions regarding your coverage, including:
- Has the insurance company changed my coverage in the last year?
- Does my policy include a separate deductible for risks like a hurricane?
- Does my coverage provide living expenses if I am unable to live in my home after a hurricane?
- Do I need to raise the amount of hurricane coverage for liability, personal possessions, property, home, or business?
If your current insurance coverage does not contain any form of hurricane damage protection, a separate policy may be available to help you and your family establish the security you need for the upcoming storm season.
Throughout the storm season, be sure to keep track of your insurance policy number, a customer service phone number, or the direct contact information for your insurance agent, in case you have questions about your coverage, or need to file a claim.
If you have additional questions about your coverage or are currently embroiled in a battle with your insurance company over Hurricane Michael damages, contact our experienced insurance claims attorneys in Florida today by calling (407) 349-8679 to schedule a free consultation.