Three Steps to Take If Your Hurricane Ian Claim Is Denied or Undervalued

Facing a hurricane as powerful as hurricane Ian is a heralding experience that leaves homeowners trying to pick up the pieces of their homes and lives.

Sadly, many hurricane Ian insurance claims are being denied or undervalued.

Insurance companies are doing this in an attempt to protect their profit margins. Hurricane Ian created billions of dollars of property damage, leading to massive hurricane insurance claims.

If you are one of the thousands of people dealing with a denied or undervalued hurricane damage insurance claim, you are learning the sad reality about insurance companies. They are not your neighbor, they are not your friend, and you are not their number one priority. Like every other business, their number one concern is to earn money and spend the least amount of money possible.

If your insurance company is playing hardball with you or is not offering you money for your legitimate claims, you are not alone. Thankfully, there are ways that you can fight back.

Fight Back When Your Hurricane Ian Claim Is Denied or Undervalued

Did you know that 9 out of 10 people do not contest their denied or undervalued hurricane Ian claim? You have every reason to fight. For several years, you’ve likely paid your insurance premium on time. You’re the customer and the one who has suffered a loss.

Insurance companies can be insidious in making you feel like there’s no room for insurance claim hurricane negotiations, or if you don’t take their lowball offer, you’ll walk away with nothing. At The Landau Law Group, our years of experience have proven that you can negotiate, argue, and fight back when your hurricane Ian claim is undervalued.

Step 1. Talk to an Experienced Property Damage Lawyer

Insurance companies are tricky. The property damage lawyers at The Landau Law Group are more formidable. Often, when insurance companies hear that you’re talking to an attorney, they start paying attention.

Our attorneys know the tricks insurance companies use. We dedicate ourselves to seeing to it that victims who file an insurance claim for hurricane damage like you get the compensation they deserve.

Insurance companies bank on the fact that in the aftermath of a hurricane, people are so desperate to get their lives back that they will eventually accept any lowball offer presented.

At The Landau Law Group, our experienced legal team understands how complicated insurance policies are, works with independent adjusters, and collects evidence we will use as ammunition in the fight to ensure you get the maximum settlement possible. When fighting with insurance companies, it can feel like you are alone. We are here to tell you that you are not.

Step 2. Get Proof for Hurricane Ian-Related Damage

The hurricane damaged your home’s roof, and insurance companies will say it’s because the roof was old. You suffered flooding, and insurance companies will say flood damage insurance does not cover it.

How do you fight back? You do so by understanding your insurance coverage. For example, do you have wind damage coverage? If so, show examples that prove water damage above the waterline. “Wind-driven rain” is a term that shows your insurer that a hurricane put a hole in your roof and let the rain in, so the water damage must be covered.

Was your roof damaged because your roof was old? Of course not. It was damaged because hurricane Ian came ashore with max sustained winds of 150 miles an hour. It was the fifth-strongest hurricane ever to strike the United States. That’s where your roof damage came from, and that’s what we can help you prove.

Step 3. Gather Additional Evidence

Independent adjusters will give you a more fair valuation than adjusters working for an insurance company. No matter how nice the insurance companies adjusters seem, they’re not there for you. At The Landau Law Group, we have the resources to put you in touch with independent adjusters that will give you a fair valuation of your home’s damage.

Keep detailed evidence of damage. This includes photos, videos, receipts, and a list of things that you lost. For example, if the hole in your roof doesn’t get fixed by the insurance company and it leads to additional damage, document it. Continue to do this until your home is repaired.

Keep records of each call, letter, or email with your insurance company. Write down any promises or offers they make. Most importantly, do not sign a release form until it has been reviewed by the property damage attorneys at The Landau Law Group.

Contact Hurricane Ian Insurance Claim Lawyers Who Are Here to Work for You

Our property damage attorneys can be there for you if you are dealing with a denied Hurricane Ian claim. We have been successful against some of the largest insurance companies in Florida, and we look forward to fighting for you. Contact us today for a free case consultation. 

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