VCM Law Group regularly assists clients throughout Miami-Dade, Broward and Palm Beach counties with wind damage claims. If your home or business has sustained significant damage, you have a right to expect your homeowners or property insurance to cover the repair or replacement costs. Unfortunately, insurance companies frequently delay, deny or underpay claims.
We understand the frustration of dealing with insurance companies in the aftermath of a high windstorm and will fight tirelessly to get you the payment you need to repair your property. Our experienced property insurance attorneys have a proven history of winning significant settlements for our clients in wind damage claims. Please contact our office today for a free consultation.
Common Types of Wind Damage to South Florida Properties
South Florida is prone to hurricanes, tropical storms, and other devastating weather events that result in wind damage. While hurricane force winds are especially destructive, wind gusts of 50 mph can also cause significant damage to your home or property, including:
- Roof damage caused by high winds and/or fallen trees
- Water damage resulting from broken windows and heavy rains that often accompany wind storms
- Structural damage to homes and property caused by powerful hurricanes, despite the fact that many Florida homes and buildings are built to withstand strong storms
- Cosmetic damage such as sheared vinyl siding, damaged doors and windows, and landscape damage can occur during relatively minor windstorms
You should know that most homeowners and property insurance policies treat hurricane damage and wind damage differently and your insurer may claim that wind damage isn’t covered. That’s where VCM Law Group comes in. We know how to fight back against the tactics insurers use to deny claims.
How VCM Law Group Can Help With Your Wind Damage Claim
When you become our client, we will be your advocates and your allies, working to make sure your rights are protected. Our experienced wind damage lawyers can help you recover the following costs:
- Repair of your home or property, including damage to the roof, doors, windows, walls, porches or other structures
- Replacement of personal property (e.g. furnishings, equipment, electronics, appliances)
- Loss of use/alternative living expenses
- Repair or replacement boats, cars, or other vehicles
- Business interruption
Our legal team will conduct a thorough investigation of the damage to your home or business. By collaborating with a respected network of investigators, appraisers, restoration specialists, and contractors, we will accurately estimate the cost of your needed repairs. Above all, we will fight to obtain the full value of your claim.
Why Insurance Companies Deny Claims
Insurance companies typically put profits ahead of policyholders to deny wind damage claims, particularly claims involving damaged roofs. Florida law states that if 25 percent of a roof is damaged, then the entire roof must be replaced. Insurers often claim that the roof damage was less than 25 percent, however, and will only cover the cost of repairs. Insurers also frequently deny claims by stating that the property damage resulted from wear and tear, not wind damage, or that flood damage was the primary cause.
If your wind damage claim has been denied, VCM Law Group can help to reopen your claim or file a lawsuit against your insurance company. Our legal team will work closely with you to document the damage to your property and demand full payment for your claim. While we prefer to reach negotiated settlements to claims, our trial lawyers are fully prepared to litigate.
Filing a Claim in South Florida
If your home or business suffers wind damage, there are a number of steps you can take to protect your interests. First, contact VCM Law Group – the earlier we get involved the better for you & your claim. Like all of our property insurance cases there is no cost to you whether you call us right after the windstorm or after your claim has been denied or underpaid. We will carefully review your insurance policy to determine if the damage is covered. You should be aware that homeowners and property insurance in Florida include hurricane and wind damage deductibles that require you to foot the bill for a certain amount of damage.
It is also crucial to collect documentation to support your claim. This includes taking photos and inventorying damage to the roof and other property structures. Moreover, secure the property from further damage (e.g. placing a tarp over a damaged roof). If you do not, the insurance company may deny your claim.
Contact Our Experienced Miami Wind Damage Insurance Claims Lawyers
The wind damage claim attorneys at VCM Law Group have the skills and experience to help you with your claim. We understand your concerns about making the needed repairs to your property, dealing with your insurance company, and collecting the necessary documentation to support your wind damage claim.
Our experienced property insurance attorneys will address your concerns by providing you with informed representation and dependable service. Above all, we will guide you through the claims process and see to it that you are fully compensated for your losses. Because we understand the financial burden you are facing, we will not charge you any attorneys’ fees until we recover for you. Please contact our office today to speak with one of our experienced wind damage attorneys.