Insurance Claims for Wind, Hail & Weather Damage

Insurance Claims for Wind…

Property insurance coverage is supposed to provide homeowners and business owners with peace of mind. If a disaster occurs, they should be able to rest assured that their insurance company is there to help them through a difficult time. Instead of lessening the burden of paying for repairs, however, many insurance companies only add to property owners’ distress by denying valid insurance claims for wind, hail and weather damage. In Central Florida, where rain is a constant concern and hurricane damage is never far enough away, denials of claims can be devastating.

Cordova Law Firm PLLC is dedicated to helping homeowners and business owners fight for their rights against wrongful insurance denials. Our attorneys have handled many property damage insurance claims in Florida and know exactly how to investigate, negotiate, and fight for your claim. Just call us — or contact us online — for a free consultation about your situation and how we can make a difference for your claim.

Wrongful Denial of Claims for Wind, Hail and Weather Damage

Insurance companies scrutinize each claim for property damage carefully. Sometimes, this is a legitimate effort to prevent fraud. Sometimes, it is an effort to avoid paying valid claims.

A property insurance policy is a contract between a homeowner or property owner (the policyholder) and an insurance company (the insurer). The policyholder pays premiums to the insurer. In exchange, the insurer promises to pay for damages suffered by the policyholder, according to the terms of their agreement.

“The terms of their agreement” is often where problems arise — as the saying goes, the devil is in the details. Insurers must abide not only by that agreement, but also Florida and federal insurance laws. Unscrupulous insurers may try to get away with denying claims by people that they think cannot stand up for their rights. This is where a legal advocate can help by reminding insurers of their obligations under the law.

For insurance claims involving weather damage, insurance companies might deny a claim because:

  • The claim was not timely: Insurance companies might hold policyholders to strict deadlines, even in the midst of a natural disaster.
  • The damage is not covered: Standard property insurance policies cover damage from rain, wind, or hail, but not flooding. Unless a property owner purchases additional coverage for flooding, an insurance company might claim that it is not obligated to cover weather-related damages like mold or water stains.
  • The damage is due to wear and tear: Property insurance generally does not cover damage caused by the passage of time, rather than severe weather. An insurance company might try to claim, for example, that damage to an old roof was inevitable, and not the result of anything covered by the policy.
  • The policyholder has not met their deductible: An insurance company may claim that the damage is less than the annual deductible, and therefore that they are not obligated to pay.

Challenging the Wrongful Denial of a Property Insurance Claim

When an insurance company denies a claim, it must provide the policyholder with a statement of the reasons for the denial. Insurers have developed their own language for discussing claims, and it can be difficult for people who are not insurance professionals to be sure what they are really saying. Insurance companies work very hard to make sure denials of coverage sound reasonable, at least at first. If a denial of claim seems to be at odds with the property owner’s understanding of the facts, the property owner has options for challenging the denial. We assist home and business owners in all steps of this process.

One way to dispute a denial of coverage for weather-related property damage is to appeal the decision to the insurance company itself. It might be willing to reconsider its decision.

As we mentioned earlier, insurance companies have responsibilities under the law. A policyholder who believes their insurance company has violated their legal or contractual duties can file a complaint with the Florida Department of Financial Services.

Policyholders can also seek compensation from their insurance company by filing a lawsuit in court. This is usually the last option after all other methods have failed.

Florida Property Insurance Claim Denied? Just Call Us.

If you have suffered damages because of wind, hail, or other weather, you need an advocate who will fight for your rights with your insurance company. The Florida property insurance claims attorneys at Cordova Law are here to help you. Please call (321) 267-3682(CORDOVA) today to schedule a free, confidential consultation to discuss your rights and options.


“Great consultation and addressing any concerns that I had, friendly staff and highly knowledgeable!”
– Nitty Rampersaud

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