Miramar Beach, the beautiful, picturesque community on the gulf we call home, has many great things going for it. Unfortunately, we’re not immune to accidents and disasters. Florida panhandle residents suffer injuries every day, and our community is all too familiar with the ravages of hurricanes. When unpredictable and unfortunate life events throw our neighbors for a loop, our dedicated personal injury and property damage attorneys at Kanner & Pintaluga are here to help them pick up the pieces.

The complexity of homeowners and business insurance policies is no accident. There are many exclusions and narrow rules included in your policy that can be confusing and hard to understand. For example, certain types of hurricane damage, especially certain types of flooding, are not covered under your homeowners policy. You instead have to sign up for FEMA flood insurance in addition to your traditional homeowners policy.

However, there are certain types of hurricane damage that should be covered under your policy, such as wind. Despite what you may have heard, not all water damage is excluded from your policy. For example, if blown debris breaks a window and wind carries rain into your home or wind knocks a tree over and into your home and water gets in as a result, those types of water damage should be covered.

An inexperienced claims adjuster or one who is rushed, like those who are often bussed into hurricane-hit areas to quickly process a massive number of simultaneous claims, may make mistakes or improperly categorize certain types of damage.

If your claim is being denied or the settlement you’re being offered doesn’t seem like it’s nearly enough to pay for the repairs your home or business needs, the hurricane damage attorneys at Kanner & Pintaluga can help. We work with independent claims adjusters, contractors and other professionals to thoroughly investigate your damage before negotiating with your insurance company on your behalf to fight for the money you require to get your home or business back to where it needs to be.