Tag: Damage

Hurricane Irma Damage

Hurricane Irma has now passed through Florida and she has left much damage behind.  The path of the storm destroyed the beautiful Florida Keys with a direct hit in the Middle Keys.  Many of you who may have been affected by the storm will face a long and stressful struggle to repair, rebuild, and replace your homes and your businesses.  Insurance companies sold wind and flood policies to Florida consumers like you and did so with the promise of protecting you after a hurricane, storm surge, and flood.

As important as it is to prepare for the arrival of the storm, it is just as important to make sure that your insurance company provides you full, complete, and timely payment so that you can quickly begin to rebuild your home and your business and put your life back together.  The steps you take immediately after the storm are crucial.  You must preserve and present your claim to your insurance company in the proper manner so that you can obtain a fair, just, and timely payment from the insurance company who has been collecting your premiums for years.  It is time now for the insurance that you paid for to justify its existence.  The insurance companies who sell the homeowners policies and business owners policies must pay you the compensation that is required under the insurance policy and not deny, delay, and decrease your payment.

If your home, condominium, apartment, or business has been damaged by a hurricane, storm surge, or flood, you deserve a well-qualified, well-recognized law firm that you can trust to fight for you. The lawyers at The Ellsley Law Firm have recovered millions of dollars on behalf our clients.

Please call us at 1-877-STORMLAW or (877) 786-7652 for a free consultation.

Flood Insurance in Florida

When you live in a state such as Florida, you may experience a hurricane every few years.  You must make sure that you purchase both homeowners insurance as well as flood insurance to protect your home and business.  Many people have recently decided to opt out of flood insurance because they were told that their home or business is not in a flood zone.  That is a mistake.

It is important that a homeowner understand all aspects of a homeowners insurance policy and a flood insurance policy because each protects real property and personal property from different threats or perils.  Most standard homeowners and renters insurance policies do not cover flood damage. The standard policies will cover some damage from rain and water, but if your home is filled with water as a result of rising bodies of water, the policies will probably not cover you.

Please remember to purchase flood insurance, even if your home is not located in a designated flood zone because flooding frequently happens beyond flood zones.

These polices are contracts that are written by insurance companies and are designed to protect the insurance company at the expense of the consumer.

The Ellsley Law Firm specializes in reviewing the lengthy, complex, and often confusing insurance policies that cover wind damage, flood damage, and water damage.

Please call us at 1-877-STORMLAW or (877) 786-7652 for a no-cost, no-obligation meeting to answer any questions or concerns that you may have regarding your insurance coverage.

Damage Caused by Wind or Water

Following a natural disaster such as a hurricane, storm surge, tornado, or flood, your residential property or business may suffer damage caused by wind or water. This storm loss damage may require extensive repairs.  It could also be declared a total loss resulting from a variety of environmental and weather-related factors.

Every person who pays for insurance is called a policyholder.  Every policyholder has a right to be comfortable and confident that the insurance company will protect him or her when disaster happens. This is the exact reason that the policyholder consistently pays the premiums to the insurance company. The insurance company must promptly pay for the damages that were caused to the home or business. As often happens, insurance companies will do everything in their power to pay the least amount possible on a claim. They do this by saying that the damage is minimal or that the damage pre-existed the storm.

Insurance policies these days are lengthy, complex contracts that are full of exceptions and exclusions that make the policy very difficult to read.

If your home, condominium, apartment, or business has been damaged by a hurricane, storm surge, or flood, you deserve a law firm of tough lawyers that you can trust to fight for you.  The Ellsley Law Firm is here to help you.

Please call us at 1-877-STORMLAW or (877) 786-7652 for a free consultation.