Homeowner Insurance Claims

Homeowner Insurance Claims

Homeowner Insurance Claims

Wind Damage

High velocity winds can cause permanent damage to your property.  Common wind damage claims involve roofs blowing off, tress falling on your property, fences being blown down, shingles/tiles being lifted and window leaks.  In regard to Hurricane Ian, Cayo Costa, Florida, was hit with maximum sustained winds of 150 mph.  This type of wind speed can cause damages that aren’t realized upon the initial assessment of your property. 

Damage caused by wind is covered under most homeowners insurance policies, but the terminology used when making a claim can trigger policy exclusions and conditions.  Quattrochi, Torres and Taormina is currently handling numerous Hurricane Ian wind damage claims in an effort to return policyholders’ homes to their pre-hurricane condition.  Don’t get caught up in the claims process, let Quattrochi, Torres and Taormina help from the get go.  Contact Quattrochi, Torres and Taormina via phone or email if you claim has been delayed, undervalued or denied. 

Hurricane Damage

Hurricanes are one of the most unpredictable and devastating weather disasters facing homeowners insurance policyholders. Winds, rain, hail, storm surge, and flooding can wreak havoc on your home or business all at once. Hurricane insurance claims can be complicated because they typically require multiple policies (i.e. standard homeowners and flood insurance).  There could be multiples companies and claims adjuster shifting responsibility from one to the other.  Quattrochi, Torres and Taormina understands this frustration and is here to help you with any hurricane Ian that has been wrongfully delayed, denied, or underpaid.   Justice is our priority, which starts with getting you on the path toward property recovery.

Do you need an attorney to handle your #HurricaneIan claim?

Not in every case.  In some cases, homeowners insurance claims are handled punctually and fairly. If so, these instances do not require an attorney because the insurance company is honoring their obligations under the contract. When an insurance company wrongfully delays, denies, or undervalues your claim, it is recommended to consult with an experienced property insurance attorney to review your options.

We want to be that attorney!

Timely Response From Your Homeowners Insurance Company

Insurers are required to respond to their policyholders in a timely manner.  The deadlines associated with these obligations vary per state, but you can find information on them in your Policy.  When you receive a coverage decision notice, your insurer should list the reasons for their decision and the portion of your policy they are relying upon.

It is also possible your insurer offers a lower amount than what you were expecting or feel is reasonable.

We recommend that you call an attorney to understand your rights under the Policy proactively.  Whether that is before making a claim, after making a claim or when the insurance company makes a claims decision, is dependent on your palate for risk.  If you feel that your claim has been unfairly denied, delayed, or undervalued, it may be time to contact an experienced homeowners insurance attorney.

Insurance Policy Exclusions

It is important to know and understand the Exclusions within your Policy.  A Policy Exclusion is peril or category of the property which an insurance policy excludes from coverage.  You need to know what your exclusions are.  Further, you should know what they are before your make a claim or give a statement.  Best believe that if your damage falls within a grey area in-between exclusion and coverage, the insurance company will attempt to compartmentalize it into the exclusion.  Let us help you understand your rights under the Policy before you make a claim or give a statement. 

Duty To Timely Report Hurricane Ian Damage

You have a duty to honestly, accurately, and quickly report damages to your home from hurricane Ian. Once your insurer is made aware of the loss, they will send an “independent” adjuster to your home to inspect the damage. This adjuster may ask you questions about the loss during the inspection. Be honest and forthcoming. If you would like to know your rights under your policy prior to this inspection, call our office for a free consultation.