Personal Injury, Hurricane and Property Damage Attorneys in Delray Beach, FL
Being injured in an accident or having your home or property devastated by a hurricane are hugely disruptive life events. The tragedy of these injuries or damages can be significantly exacerbated when your avoidable injury was due to someone else’s negligence or your insurance company won’t honor your hurricane damage claim.
Both of these scenarios can leave families reeling with few choices.
After an injury, you may not be able to return to work, leaving you to struggle through recovery while you watch the medical bills and rehabilitation costs pile up.
If you can’t get the money you need to repair your home after a hurricane, similar problems can arise. Your home may no longer be livable, or it could have suffered significant damage that you just can’t afford to repair, putting your family’s safety at risk.
If you find yourself in either of these situations, it may be in your best interest to speak with a personal injury lawyer or property damage attorney. An attorney can help hold negligent parties accountable and help you win the money you need to move on with your life without being buried under debt.
They can also advocate on your behalf if the insurance company is trying to deny your hurricane damage claim and fight for the settlement your premiums should entitle you to.
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How We Approach Hurricane Property Damage Cases
Hurricane damages can really throw Florida area homeowners for a loop. Private homeowners insurance plans don’t cover certain types of damage, primarily because of hurricanes. Private insurers were having to pay out so many large claims in the aftermath of hurricanes in Florida that they decided they just weren’t going to cover certain types of hurricane damage anymore. However, most of the excluded damages must do specifically with storm surge flooding – NOT wind or wind-driven water damage.
Too often we see clients who have claims for legitimate damage related to a hurricane that should be covered but the insurance claims adjuster and the company argue that the damage shouldn’t be covered. In these situations, evidence and investigation is again key.
We will analyze your insurance policy, the damage your home sustained and negotiate with your insurance company to convince them your claim should be honored. If necessary, we will also work with local independent claims adjusters who can help us analyze your home’s damage to prove the source of the damage your claiming is not exempt from your policy.
How We Approach Personal Injury Cases
Evidence is key in a personal injury case. The goal is to collect as much information about the accident and your condition as possible. This includes any police reports, surveillance or dashcam footage, auto accident photos, medical records, doctor reports, your pay stubs and your bills.
There are several goals in a personal injury case. We want to use evidence to clearly show that the negligent party, whether it was a person or a business, acted improperly and caused your injury. This could be willful negligence, like a driver running a red light or driving while drunk and causing an accident, or be negligence by inaction, like a grocery store employee not cleaning up a spill which results in a slip and fall.
Once we’ve clearly shown how someone’s action or inaction led to your injury, we then need to show how much that injury cost you. That’s where collecting medical bills and health care documentation is so important. We want to be able to clearly show how much your medical care cost, from the ambulance ride through to your last day of rehabilitation. We also want to be able to document how much work you had to miss and what your lost wages were as a result.
Lastly, we need experienced medical experts to testify to your long-term recovery prospects. If a doctor determines that you may need mobility assistance for the rest of your life, then you should be compensated not only for the continuing cost of that care but also for the pain, suffering and loss of happiness you may experience due to your inability to do the things you once loved.