Torrential rain and high winds ripped across Tampa, Lakeland, Orlando and other cities in Florida this week, leaving behind a path of destruction. Uprooted trees, twisted metal, toppled screen enclosures and torn awnings were a common sight after the string of violent storms and tornadoes. In the aftermath, many residents are finding their homes battered.
If your home suffered damage in these storms and you plan on filing an insurance claim, there are several things to remember.
- It is important to familiarize yourself with your insurance policy, as it may only cover certain types of damage. For example, if the heavy rains or a torn roof flooded your living room, it is important to understand whether you are covered for “mold damage” or just “water damage.”
- Homeowners should contact their insurance company as soon as possible to report the damage.
- Before beginning the clean up process, document the damages with photographs. Take pictures of each room affected, along with individual items.
- If you hire someone to assist with clean-up or repairs, keep all invoices and maintain a record of how long the work took to complete.
- Document all conversations you have with the insurance company, including times and dates of calls, the name(s) of who you spoke to, topics discussed and the outcome of each call.
If your claim is not paid in a reasonable time, you are offered a settlement that you feel is too low, or if your claim is denied, the insurance company may be acting in bad faith; an insurance claim dispute attorney at Burnetti, P.A. may be able to help you obtain the benefits you are entitled to under your policy. For a free consultation, call 1-888-BURNETTI. Evening and weekend appointments available.