Florida Wind Damage Insurance Claims

Florida Wind Damage Insurance Claims – Protecting Your Property and Your Rights

Severe windstorms, including hurricanes and tropical storms, can cause devastating damage to homes and businesses across Florida. However, when it’s time to file a wind damage insurance claim, many policyholders face delayed, underpaid, or outright denied claims. At Williams Law, P.A., we are experienced in handling complex wind damage claims, ensuring you receive the compensation necessary to restore your property.

Understanding Wind Damage Home Insurance Claims

Insurers often argue that damage was caused by factors like poor maintenance or pre-existing conditions rather than the wind event itself. Insurers usually exploit these ambiguities to reduce or deny claims, making the process difficult for homeowners. To ensure fair compensation, it’s crucial to document all damage thoroughly and seek legal help.

What Qualifies as Wind Damage for Florida Insurance Claims

Wind can cause significant visible and hidden damage, which policyholders are often unaware of until it’s too late. Typical forms of covered wind damage include:

• Shingle loss or detachment
• Roof uplift or tearing of underlayment
• Broken windows and doors
• Exterior wall damage or warping
• Structural shifting or cracking
• Debris and tree impact damage
• Water intrusion from wind-created openings
• Interior mold due to compromised roofing or siding

Even if the damage appears minor on the surface, wind can weaken the integrity of your home, leading to costly long-term issues if not properly repaired and reimbursed.

Why You Need a Wind Damage Insurance Claim Lawyer

Navigating Florida’s Unique Legal Landscape

Florida has specific laws and regulations regarding wind damage and insurance claims, particularly following hurricanes. Our lawyers are well-versed in Florida’s legal landscape and can ensure that all claims are filed correctly and on time, adhering to state requirements.

Florida Windstorm Deductibles – What You Need to Know

Most Florida insurance policies include a separate windstorm or hurricane deductible, which can be 2% to 5% of your dwelling’s insured value. That means your out-of-pocket cost may be thousands before your coverage kicks in.

We review your policy closely to ensure:

• The correct deductible is applied
• No overlapping or duplicate deductibles are used
• You receive credit for all covered losses
• The deductible does not reduce your claim unfairly

Insurers often misuse deductibles to reduce claim payouts. We stop them.

How We Can Help Your Wind Claim

• Claim Evaluation: We review your policy and assess your damages to determine the full extent of your coverage.
• Filing and Managing Claims: We handle the entire process, from filing paperwork to negotiating settlements.
• Litigation: If necessary, we’ll take your case to court to ensure you receive the compensation you deserve.

Reopening Wind Damage Insurance Claims in Florida

If your claim was closed too quickly or underpaid, you may still have time to reopen the claim. Florida law allows homeowners to file supplemental claims within three years of the date of loss. We often find:

• Hidden damage was missed during the initial inspection
• Insurance adjusters used low repair estimates
• The policyholder didn’t realize their rights at the time of settlement

Our firm regularly reopens wind damage claims and recovers thousands—or even hundreds of thousands—more than the original payout.

Common Tactics Used to Deny or Undervalue Wind Damage Claims

Insurance companies frequently attempt to reduce their payout using deceptive practices. We routinely challenge claims denied due to:

• Alleged Pre-existing Conditions
• Wear and Tear Exclusions
• Misclassification of Damage as Cosmetic Only
• Claiming Damage Was Caused by Flooding, Not Wind
• Improper Application of hurricane or windstorm deductibles
• Adjusters Undervaluing Damage or Failing to Inspect the Full Property

When these tactics are used against Florida property owners, we respond immediately with independent assessments, engineering reports, and expert testimony.

Why Choose Williams Law, P.A.

• 28+ years of Florida Insurance Litigation Experience
• Millions recovered for Policyholders Statewide
• In-house Experts and a Network of Licensed Engineers and Inspectors
• Contingency Fee Representation – No Fees Unless We Win

We only represent policyholders, never the insurance companies.

Contact Williams Law, P.A. for a Free Consultation

Our experienced Florida wind damage insurance claim lawyers are here to guide you through the process and fight for the compensation you deserve. Don’t let the insurance company undervalue your claim—call us at 1-800-451-6786 or fill out our online contact form. We offer free consultations to review your claim and discuss your legal options.