what to do if no insurance coverage after hurricane michael

Status of Hurricane Michael Insurance Claims

Estimated Insured Losses Exceed $6.2B

For reporting period through April 26, 2019, according to the latest Hurricane Michael merits information provided by The Florida Part of Insurance Regulation (FLOIR), more than 146,000 belongings insurance claims have been filed past insureds. Total estimated insured losses exceed $six.2B. The vast majority of insurance claims, 60%, are from Bay County property owners. Bay Canton is habitation to Mexico City Embankment, which was nearly leveled. Surrounding cities like Panama Urban center, Lynn Oasis, and Callaway also greatly suffered from the winds and h2o brought by Hurricane Michael.

Closed Claims (Paid)

There are more than 101,000 Hurricane Michael claims that accept been closed and paid. Unfortunately, this could hateful that the insurance company paid something on the claim, but did not pay what the property possessor needed to make them whole once again. This could result from:

• Overlooking some of the damage.
• The insurance company'southward field adjuster not estimating like kind and quality of materials and finishes.
• Denying payment on some of the claim citing that damage was non caused by the hurricane or is non covered under the policy.

That is why we believe that "closed and paid" could really hateful that an underpayment occurred.

Closed Claims (Not Paid)

There are 19,360 claims that take been airtight and not paid. We refer to these every bit "denied". The insurance visitor may deny a claim based on the conventionalities that harm was not acquired past Hurricane Michael or based on the belief that the policy doesn't cover that specific cause of loss (likewise chosen a "peril").

Here are excerpts from two deprival letters from insurance companies:

"[we are] unable to provide coverage for your loss, as your policy does not provide coverage for wear and tear, deterioration or water to the interior of a building unless a covered peril beginning damages the building causing an opening to a roof or wall and the pelting enters through this opening."

"Unfortunately, because the direct force of a covered peril did not impairment the outside of your home causing an opening in your roof or wall allowing the rain to enter, there is no coverage for the resulting interior water damages to your dwelling house. Additionally, your roof is failing due to age, wear and tear which is besides excluded by your policy."

A denial letter is typically several pages long. Information technology will cite the reason for denial forth with including the exact verbiage of your insurance policy relating to why your merits was denied.

Open up Claims

There are most 20,000 Hurricane Michael claims that are open.

No thing where you are in the process with your insurance claim, stay on top of your claim and proactively manage the timeline of your claim. Make notation if your insurance company misses theses deadlines. In the example of Hurricane Michael claims, it could just be an honest backlog of piece of work and they are doing their best to grab up. In other cases, information technology could be a sign of acting in bad faith. Log the date, time, who you spoke with and about what.

What Y'all Can Do If Your Insurance Company Won't Pay

You have options if your insurance company won't pay you enough or flat out denied your claim:

File a complaint against your insurance visitor. In Florida, you lot should file a complaint against your insurance company with the Florida Department of Financial Services (DFS) Division of Consumer Services. Based on data acquired by Florida Professional Law Group regarding complaints, information technology takes on average 82 days for DFS to close a complaint from the time y'all submit 1, and it doesn't guarantee the results yous want.

Consult with a law business firm that specializes in insurance claims. Most insurance attorneys will offer a free consultation of your claim. You may contact us for a no-obligation consultation. We'd be honored to help you with your insurance claim. Requite our friendly and experienced Claims Helpline professionals a call at 800-Police-4141. We're located in Hollywood, FL and serve the entire state. Florida Professional person Constabulary Grouping assists clients with new, underpaid, and denied belongings insurance claims. Our clients include homeowners, condo owners, businesses, and associations who feel belongings damage. Florida Professional Law Group has a six step insurance claim process aimed at getting you a fair settlement.

This form does not create an attorney-client relationship. Situations vary. Don't rely on this website for legal advice. Past submitting this form, you are consenting to receive marketing emails from: Florida Professional Constabulary Grouping, PLLC, 4600 Sheridan Street , Suite 303, Hollywood, FL, 33021, United states. Y'all can revoke your consent to receive emails at any time by using the SafeUnsubscribe® link, found at the lesser of every e-mail. Emails are serviced by Constant Contact.

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Source: https://flplg.com/hurricane-michael-insurance-claims-office-of-insurance-regulation-report/

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