Storm Damage Attorneys

How Is Storm-Related Flood Damage Different from Other Types of Storm Property Damage?

One of the insurance company’s favorite storm damage claim denial rationales is, “Your damage was caused by flooding.” Two things can be true at once:

• FEMA flood insurance pays for natural flood damage claims, not your normal hurricane damage insurance
• Your water damage was a result of a covered peril, like wind damage or hail damage

Whether your home insurance company should cover water damage is primarily based on how and where that water entered your home. Natural flooding is excluded from your policy, but rain that enters your home through storm-damaged roofing or a window that was broken by flying debris is not natural flooding. In that scenario, your home insurance policy likely should be covering your water damage and necessary repair services, including things like mold testing and remediation.

Even if the insurance company acknowledges your water damage was caused by a non-flood source, they may still attempt to dispute your claim. For example, they may suggest your roof was in disrepair prior to the storm, making any water damage caused by your leaky roof your own fault.

You don’t have to simply accept the insurance company’s initial decision on your claim. If you believe you’re being treated unfairly, the Florida storm damage lawyers at Kanner & Pintaluga are here to help.

Florida Storm Damage Comes in Many Forms

When the average person thinks of hurricane damage, they’re generally envisioning wind, rain and storm surge flooding. While these hazards do lead to most damage during Florida hurricanes, they’re not the only sources of damage or always the direct cause of property damage.

Fires are a frequent occurrence in hurricanes. People who are burning candles when the power goes out can inadvertently start fires if those candles are knocked or blown over. Fires can also be sparked by downed power lines.

Unfortunately, storms and the lack of a police presence in their aftermath can also lead to claims related to looting and vandalism.

At Kanner & Pintaluga, we take all types of property damage cases, not only those related to wind damage or flooding. If your business, home or private property suffered any type of damage during a storm, and the insurance company is unfairly denying or undervaluing your claim, we’re here to help.

Storm Damage Claims We Handle

Storm damage attorneys handle a wide variety of claims across regions affected by severe weather. Hurricanes, tornadoes, tropical storms, and hailstorms can cause billions of dollars in damage annually, according to the National Office for Coastal Management.

We’re experienced with the most common types of storm-related damage, their causes, and the resulting harm to properties. If your property sustains damage in a storm, contact a storm damage lawyer today to help maximize your compensation.

Wind Damage

High winds from hurricanes, tornadoes, or tropical storms can cause extensive damage to buildings, roofs, fences, trees, and vehicles. Property owners often find missing shingles, holes, or leaks in their roofs, along with notable window and door damage. Structural damage to walls or foundations is also common, as are fallen trees and debris across properties.

Flood Damage

Heavy rainfall, storm surges, or rising rivers during hurricanes and tropical storms often lead to flooding in both coastal and inland areas. While wind damage is usually covered under typical insurance policies, flood damage may be excluded.

Water intrusion into homes or businesses is common, damaging floors and furniture. Electrical damage from water exposure and mold growth are other perils that property owners face after water submersion.

Hail Damage

Severe thunderstorms with hailstones can cause significant damage to homes, vehicles, roofs, and outdoor structures. Hail can cause dents and cracks in roofing, broken glass, vehicle damage, and damage to landscaping.

Tornado Damage

Tornadoes with winds exceeding 85 mph can be highly destructive and often result in severe property damage. Complete destruction of homes or buildings, uprooted trees, flying debris, and downed power lines are frequently seen as a result of these storms.

Lightning Strike Damage

Lightning strikes during thunderstorms can cause fires, electrical damage, or direct property damage. Common damages resulting from lightning strikes include fires, damage to electrical systems, and structural damage.

Water Damage

Aside from flooding, property owners often see water damage from wind-driven rains during intense storms. Heavy wind-driven rain, even without significant flooding, can result in water intrusion into homes.

Property owners often notice water damage to interior walls, floors, and ceilings, accompanied by mold and mildew growth resulting from prolonged exposure to moisture. Damaged insulation or electrical components in the affected areas are also common.

Additional Storm Damage Claims

While the above are a few of the most frequently reported types of storm-related damage, the list is not all-encompassing. Storm damage lawyers can represent clients for a wide range of claims.

Other common storm damage claims include:

• Loss of Use Claims
• Structural Damage Claims
• Debris Removal Claims
• Business Interruption Claims
• Power Surge Claims
• Roof Damage Claims
• Tree Damage Claims
• And More

Get a Comprehensive Review of Your Storm Damage Insurance Coverage

A comprehensive review of your storm damage insurance coverage is crucial if you’re a homeowner in a storm-prone region. Storm damage attorneys can provide a detailed review and explanation of your policy’s benefits, exclusions, and any gaps in coverage you may face.

Storms can cause significant damage to your property, including your home, roof, car, and landscaping. By reviewing your policy, you can be confident that all types of storm damage — such as wind, hail, flood, and even tornadoes — are covered. Without this review, you may not realize that certain types of damage, like flooding, may require separate coverage, such as flood insurance.

Additionally, insurance policies often have exclusions and limits that impact your ability to recover from storm damage. Some storm damage policies, especially in high-risk areas, have higher deductibles for storm-related damage. You might have a separate storm or hurricane deductible, typically a percentage of your home’s value, rather than a flat dollar amount. Understanding the fine print of your policy can help you plan financially and avoid surprises when you need to file a claim.

// FREQUENTLY ASKED QUESTIONS

Storm Damage Lawyers: Frequently Asked Questions

Most people’s homes and properties reflect their life’s work. People pour time and money into maintaining their personal oasis. Homes are places that hold memories, cherished belongings, and hopes for the future. Nothing is more devastating than losing what you care about most in a storm. Unfortunately, this has become a reality for far too many people across storm-prone regions.

Here are some of the most frequently asked questions regarding storm damage claims.

When should I contact a storm damage lawyer?

Contact a storm damage lawyer as soon as you notice damage to your home. This may be in the hours or days following a storm or even a few weeks later. Promptly speaking with a storm damage attorney can help expedite and maximize your claim.

Additionally, if an insurance company denies or attempts to underpay your claim, contact us immediately, and we’ll start reviewing and appealing your case.

How long do I have to file a storm damage claim?

The time frame to file a storm damage claim depends on the laws of your state or region. In many areas, there are deadlines — sometimes as short as one year from the date of the loss — to file a property damage claim with your insurance company.

You may also be able to file a supplemental claim if you realize your losses are greater than initially reported, even after filing the initial notice. It’s essential to verify the specific rules applicable in your area and consult with an attorney to ensure you do not miss critical deadlines.

What types of storm damage are covered by insurance policies?

Storm damage insurance coverage varies depending on the type of storm and the specific insurance policy you hold. Standard homeowner’s insurance policies typically cover damage from wind, hail, and tornadoes.

Flood damage is often excluded and typically requires a separate policy. However, wind-driven rain is usually included in standard coverage. Due to the complex language and exclusions in many insurance policies, it’s best to speak with a storm damage lawyer to understand your policy’s limits and protections.

What if my insurance company denies my claim or offers a low settlement?

If your homeowner’s insurance company denies your claim or offers a low settlement, contact a storm damage attorney right away. We’ll review your claim and policy, advise you on your next steps, and file an appeal or begin negotiations on your behalf.

How much does a storm damage lawyer cost?

The storm damage lawyers at Kanner & Pintaluga work on a “no-win, no-fee” basis. This means we operate on contingency — you only pay if we secure a settlement for you. There are no upfront costs to get started, so you can focus on recovery while we handle the legal process.

Can I sue my homeowner’s insurance company?

Yes, you may be able to sue your homeowner’s insurance company if they act in bad faith, deny a legitimate claim, underpay, or unreasonably delay payment. An attorney can help you evaluate your situation and determine whether legal action is warranted.

How do I appeal a denied storm damage claim?

If your storm damage claim is denied, you have the right to appeal the decision. It’s always best to consult with a storm damage attorney when this happens to improve your chances of recovering a fair settlement.

We’ll review your denial letter and your insurance policy, then create a plan of action. This may include gathering additional documentation, requesting further reports from your insurer, and submitting new evidence related to your property damage.

Once prepared, we’ll file a formal appeal and request a re-inspection of your property. In some cases, we may recommend hiring an independent adjuster. If the appeal is unsuccessful or the insurer’s response is inadequate, we’ll likely move toward mediation. If that still doesn’t resolve the issue, litigation may be the next step.