Florida Hurricane Claim Denials

Hurricane Insurance Claim Denied? Here’s How You Can Respond

If you’re a homeowner in Florida, then hurricanes are a risk that you have to live with each year. These immense forces of nature will expose the homes in their path to sustained winds, dangerous gusts, and tons of water. Hurricanes can cause extreme damage or completely destroy homes depending on their overall strength. However, even category 1 hurricanes can still easily tear off roof shingles, gutters, or siding. In the aftermath of one of these storms, it can be really chaotic for homeowners that were in the path of the storm. You’ll have to file a property damage claim with your insurance provider, but this process often doesn’t go like one would expect. If you are a Florida homeowner whose hurricane claim was denied by your insurance carrier, then it is time to talk to an insurance dispute attorney.

Damaged Florida home after the hurricane claim was denied

Make Sure Your Florida Home is Protected in the Event of a Hurricane

In order to protect your Florida home against severe storms like hurricanes, the wind has to be kept out. This seems obvious, but the average home is actually more vulnerable to wind than you would expect. Unreinforced doors and windows will become weak spots under the intense winds that a hurricane can produce. These winds can do real damage if even just a minor opening is left unaddressed.

If your home is significantly damaged in a severe storm, you may not be able to live there until repairs are completed. It’s not uncommon for some businesses to have to shut down, losing significant income as the owner tackles a commercial insurance claim in the wake of a hurricane. Our law firm was co-founded by an insurance dispute attorney with extensive experience handling denied hurricane claims in Florida and Georgia. Given his experience, he felt it was important to record the best tips he has for Florida homeowners in this ultimate hurricane prep guide.

Underpaid Hurricane Claims

Our experienced insurance attorneys have worked with many clients who reached out because their insurance company didn’t offer enough money to pay for the cost of repairing the hurricane damage. Insurance companies try to justify paying too little with low adjuster estimates. Sometimes insurance companies try to say only part of the damage is covered by the policy, and send letters quoting lots of exclusions from the policy. There are a lot of aspects that don’t come to light until you find yourself in a serious situation. It’s for that reason that we put together this hurricane insurance claim checklist.

Even though the insurance company has told you that you’re not entitled to any more money, please do not give up. If you feel like you might have been underpaid for your hurricane damage, please call us and our insurance lawyers can evaluate whether your provider may owe you more money for the resulting property damage.

How to Deal with Difficult Deductible Letters

Most insurance policies in Florida come with high hurricane deductibles. After making an insurance claim for hurricane damage, many property owners will receive a letter from the insurance company that says that nothing is owed because the cost to repair is less than the hurricane deductible. In our experience, many of those initial insurance company assessments are wrong.

Hurricanes affect a huge area and lots of claims come in at the same time. When adjusters are preparing estimates for hurricane damage, they are trying to get as many claims done in one day as possible. We’ve seen cases where adjusters performed roof inspections at nighttime! Even adjusters with the best intentions just miss things when they are too busy. And not every adjuster has your best intentions at heart.

Trust your gut. If you think the cost of repair is going to be more than your deductible, you shouldn’t just let the claim go based on the insurance company’s numbers.

Free Case Review for Denied Hurricane Claims in Florida

The reality here in Florida is that insurance companies can deny claims that are perfectly valid. How can an insurance provider deny a property damage claim when it is clear a hurricane damaged the home or commercial building in question? Homeowners can receive claim denials for all sorts of reasons following a hurricane or other severe storm: sometimes the insurance company will say that the damage was repaired too quickly, or too slowly, or that there was no “wind created opening” in the building.

The good news is that you still have actions you can take if your hurricane insurance claim was denied in Florida. The first thing you should do is get in touch with an insurance dispute attorney. Herman & Wells has some of the best attorneys in Pinellas and we offer a free case evaluation too. If this sounds like a marketing gimmick, please note that this gives our law firm the opportunity to evaluate the details of your hurricane claim and determine if there’s a case we can make against the insurance provider. This is a significant opportunity for a homeowner dealing with an insurance dispute and we can only hope you take it. Call (727) 821-3195 now or use our online contact form to request a complimentary case review.

Please note: Our firm is only able to take on cases in Florida and Georgia. If you filed a claim in a different state, our attorneys unfortunately will not be able to take on your case.

Case Results

See More Case Results

Underpaid Commercial Insurance Claim

Hurricane winds damaged our client’s apartment complex, causing roof damage and interior water damage.  The insurance company paid $100,000, which was not enough money to cover the cost of repairs.  We filed a lawsuit against the insurance company and recovered an additional $228,000 for our client, bringing the total payment up to $328,000.  This allowed our client to fully repair the storm damage.

Initial Position



Delayed and Underpaid Homeowners Claim

A family’s home near Lakeland, Florida was damaged by a hurricane.  Water came into the house from the roof.  The insurance company sent its own contractor to dry it out, but didn’t complete the job.  The adjuster also wrote an estimate to repair the inside of the house, but the insurance company made the adjuster delete some of the repairs from his estimate.  At the end of the day, the insurance company only paid the family $1,900 for their damage.  After we were hired to help the family fight back against the insurance company, the family was able to recover an additional $220,000 from the insurance company to settle the case.

Initial Position

$1900 paid


Call us today for a Free Case Evaluation

(727) 821-3195